PAYMENT POLICY – RICHBINA

EFFECTIVE DATE: MARCH 6, 2025

At RICHBINA, we are committed to providing a secure and convenient shopping experience for our customers. This Payment Policy outlines the payment methods we accept, the processing of payments, and other important details about transactions made on our website. By placing an order with RICHBINA, you agree to the terms outlined in this policy.

1. ACCEPTED PAYMENT METHODS

We offer a variety of secure payment methods to provide flexibility and convenience during the checkout process:

✔ Credit/Debit Cards (Visa, Mastercard, American Express, Discover)
✔ PayPal – Secure payment option with buyer protection.
✔ Apple Pay & Google Pay – Convenient mobile payment methods for quick transactions.
✔ Buy Now, Pay Later Services (subject to third-party provider approval).

🚨 Important: All payments are processed securely through third-party payment gateways. RICHBINA does not store or have access to your full payment details.

2. PAYMENT PROCESSING

✔ Payments are processed immediately upon placing your order.
✔ Orders will not be shipped until full payment is received and cleared.
✔ If payment is declined or fails, your order will be automatically canceled.

🚨 Important: In some cases, your bank or payment provider may place a temporary hold or verification request before approving the transaction.

3. CURRENCY & TRANSACTION FEES

✔ All transactions are processed in EUR (Euro).
✔ International customers may be subject to currency conversion fees or foreign transaction fees by their payment provider or bank.
✔ RICHBINA is not responsible for any additional fees incurred during the payment process.

🚨 Important: Please check with your payment provider or bank for any applicable fees before completing your purchase.

4. SECURITY & FRAUD PROTECTION

✔ We use SSL encryption to ensure the security of your payment information during transmission.
✔ RICHBINA complies with PCI-DSS (Payment Card Industry Data Security Standards) to guarantee secure payment processing.
✔ We use fraud detection tools to prevent unauthorized transactions.
✔ All payment transactions are processed securely through third-party payment gateways.

🚨 Important: If any fraudulent activity is suspected, RICHBINA reserves the right to cancel the order and issue a full refund.

5. ORDER CONFIRMATION & RECEIPTS

✔ After a successful payment, you will receive an order confirmation email with the details of your purchase.
✔ If you do not receive an order confirmation within 24 hours, please check your spam folder or contact us at info@richbina.com.

🚨 Important: It is your responsibility to ensure that your billing information is accurate and complete before submitting the order.

6. BUY NOW, PAY LATER SERVICES

✔ Buy Now, Pay Later (BNPL) services may be available for eligible customers, allowing you to split your payment into installments.
✔ BNPL services are provided by third-party providers and are subject to their approval.
✔ Late payments may incur additional fees as specified by the BNPL provider.

🚨 Important: RICHBINA is not responsible for the terms, conditions, or late fees set by BNPL providers.

7. CANCELLATIONS & REFUNDS

✔ Orders can be canceled within 12 hours of placing the order, provided the order has not been processed.
✔ Refunds, if applicable, will be issued to the original payment method within 7-10 business days after the cancellation request is processed.
✔ Shipping fees and transaction charges are non-refundable, unless the order was canceled due to an error on our part.

🚨 Important: Refund processing times may vary depending on your bank’s processing speed.

8. PAYMENT ISSUES & FAILED TRANSACTIONS

If your payment is declined or failed, please check the following:

✔ Ensure that your card details (number, expiration date, CVV) are entered correctly.
✔ Verify with your bank or payment provider that there are no issues with your payment account.
✔ Use an alternative payment method if the issue persists.

🚨 Important: If payment issues continue, please contact us at info@richbina.com for assistance.

9. TAXES & DUTIES

✔ RICHBINA is required to collect sales tax in certain regions, which will be included in the total price during checkout.
✔ International customers are responsible for any customs duties, import taxes, and other fees imposed by their country. These fees are not included in the product price or shipping costs.

🚨 Important: RICHBINA is not responsible for any customs fees or taxes applied during international shipping.

10. CHANGES TO THIS PAYMENT POLICY

RICHBINA reserves the right to update or modify this Payment Policy at any time. Any changes will be posted on this page with an updated effective date. By continuing to use our website after these changes, you accept the revised terms.

11. CONTACT INFORMATION

For payment inquiries or assistance, please contact us:

📍 Address: Bayreuther Strasse 99, Reutlingen Achalm, Germany
📞 Phone: 071 45 20 54
📧 Email: info@richbina.com
🌍 Website: richbina.com