Payment Policy

1. Accepted Payment Methods

This Payment Policy applies to orders placed through wilvico.com. We accept major secure payment methods shown at checkout, including Visa, Mastercard, American Express, Discover, Klarna, Apple Pay, Google Pay, and PayPal. Available payment options may vary depending on your region, device, payment provider availability, and checkout settings.

2. Transaction Currency

All prices, shipping fees, discounts, refunds, and order totals on our website are processed in U.S. Dollars (USD) unless otherwise clearly stated at checkout. If your bank, card issuer, or payment provider uses another currency, currency conversion rates, foreign transaction fees, or bank service fees may apply according to their own policies. We are not responsible for fees charged by your bank or payment provider.

3. Payment Security

We use trusted third-party payment processors such as Stripe and PayPal to help process transactions securely. We do not store full credit card numbers, card security codes, or complete payment credentials on our website servers. Payment information may be protected through secure checkout pages, SSL/TLS encryption, tokenization, fraud screening, payment authentication tools, and risk review systems provided by the payment processors.

4. Payment Authorization and Failed Payments

Orders are processed only after payment is successfully authorized or confirmed. If a payment is declined, failed, flagged for review, or interrupted during checkout, the order may not be completed or shipped. Customers should confirm that billing details, card information, payment account details, and available funds are correct before submitting payment. If payment fails repeatedly, please contact your card issuer, bank, PayPal, Klarna, or the relevant payment provider for assistance.

5. Refunds to Original Payment Method

Approved refunds will be issued to the original payment method used at checkout within 7 business days after the refund is approved. For returns, the refund approval usually occurs after the returned item is received and inspected according to our Return & Refund Policy. Depending on your bank, card issuer, PayPal, Klarna, or payment provider, the time required for the refund to appear in your account may vary.

6. Payment Disputes and Support

If you believe there is a payment error, duplicate charge, failed payment issue, unauthorized transaction, refund delay, or billing concern, please contact us first at service@wilvico.com or +86 16772941830. Please include your order number, payment date, payment amount, and any relevant screenshots or transaction references. We may use order records, payment confirmation, shipping records, tracking information, return records, and customer communication to review payment issues and respond to Stripe, PayPal, card network, bank, or payment-provider inquiries where necessary.