Payment Policy

Welcome to Prendora! This Payment Policy outlines the terms and conditions regarding payments, billing, and transactions made on prendora.it ("the Website"), operated by Prendora.

By placing an order on our store, you agree to the payment practices described below.

1. Accepted Payment Methods

To provide a smooth and secure shopping experience for our customers in Lithuania and internationally, Prendora supports a variety of payment gateways:

Lithuanian Online Banking & Bank Links: Fast and direct payments via major Baltic banks (Swedbank, SEB, Luminor, Šiaulių bankas, Citadele, Revolut) processed through secure payment gateways (e.g., Paysera, Montonio, or Klix).
Credit & Debit Cards: Visa, Mastercard, Maestro, American Express.
Digital Wallets: Apple Pay, Google Pay, Shop Pay, PayPal.
Buy Now, Pay Later (BNPL) & Installments: Klarna, ESTO, or Inbank (where available at checkout).
Cash on Delivery (COD): Available only if explicitly selected during checkout for eligible shipping methods within Lithuania.

2. Currency and Pricing

Base Currency: All prices displayed on prendora.it are listed in Euros (€ / EUR).
Foreign Cards: If your bank account or payment card is issued in another currency (e.g., USD, PLN, GBP), your issuing bank will automatically convert the charge according to its exchange rates and potential international transaction fees.
Price Changes: Prices are subject to change without prior notice, but changes will not affect orders that have already been confirmed.

3. Order Authorization and Processing

Charging Your Account: Your card or chosen payment method will be charged immediately upon completing the checkout process.
Order Confirmation: Once your payment is successfully authorized, you will receive an automated order confirmation email containing your receipt and purchase details.
Verification & Fraud Prevention: To protect our customers, all orders undergo automated fraud checks powered by Shopify and accredited payment processors. We reserve the right to delay or cancel any order if suspicious activity or payment authorization issues arise.

4. Taxes, VAT, and Customs

Value Added Tax (VAT / PVM): All prices listed on prendora.it include statutory Lithuanian Value Added Tax (VAT / PVM - 21%) where applicable under Republic of Lithuania and European Union laws.
Customs & Import Duties: For orders shipped outside the European Union, additional customs duties, taxes, or import fees may be levied by local government agencies. These charges are the sole responsibility of the customer.

5. Payment Security and Data Protection

We prioritize the privacy and security of your financial information.

PCI DSS Compliance: Prendora is hosted on the Shopify platform, which is certified Level 1 PCI DSS compliant (the highest global security standard for payment processing).
SSL Encryption: All transactions are processed through encrypted connections using 128-bit / 256-bit SSL technology.
No Card Data Storage: Prendora does not collect, store, or view your complete credit/debit card numbers or online banking credentials. All payment data is processed directly by licensed payment service providers.

6. Payment Failures and Troubleshooting

If your transaction is declined or fails during checkout:

Ensure your card details, expiration date, and CVV code are entered correctly.
Confirm that Smart-ID, Mobile-ID, or bank app 3D Secure authorizations are approved within the required timeframe.
Check if your bank limits online, foreign, or daily transaction amounts.
Try using an alternative payment method (e.g., direct bank link or credit card).

If issues persist, please contact our support team or your bank for further assistance.

7. Refunds and Billing Discrepancies

Refund Processing: All approved refunds resulting from returns, cancellations, or claims will be issued strictly to the original payment method used during checkout.
Refund Timeline: Once initiated, refunds typically take 3 to 10 business days to reflect in your bank account, depending on your financial institution.
Disputes: If you notice any unauthorized charge or billing discrepancy, please contact us immediately at info@prendora.it before initiating a formal bank chargeback so we can resolve the issue quickly.