Payment Policy

4.1 Accepted methods

Nurvishop accepts Visa and Mastercard. Availability may depend on the card issuer, billing country, currency, security checks and the payment service provider.

4.2 Supported currencies

Purchases may be made in EUR, GBP or USD. The selected checkout currency is the currency charged by Nurvishop. If the card account uses a different currency, the issuer may convert the transaction and apply its own exchange rate or fee.

4.3 Payment processing

Card payments are processed through an authorised third-party payment service provider. The provider may collect card details, authentication information, device information and transaction-risk signals under its own privacy terms. Nurvishop receives the information necessary to confirm payment, administer the Order, issue refunds and meet legal obligations.

The payment provider’s commercial name is not stated in this Policy because the provider may change. The payment interface or card statement may identify the provider used for a particular transaction.

4.4 Authorisation

Submitting an Order authorises the payment provider and card issuer to validate and process the transaction. 3-D Secure, one-time codes or additional verification may be required. Nurvishop cannot override an issuer’s decline decision.

4.5 When payment is taken

Payment may be authorised or captured when the Order is submitted or during processing, depending on the payment setup. An Order Confirmation does not guarantee acceptance. If we reject or cancel an Order after funds have been captured, the corresponding amount will be refunded.

4.6 Failed, pending or duplicate payments

A failed payment may be retried only through the Website or another secure method we provide. A pending authorisation can remain visible temporarily even where an Order is not completed. If you believe you were charged twice, contact us with the Order details and non-sensitive transaction information; do not email a full card number or security code.

4.7 Fraud prevention

We may perform proportionate verification, delay dispatch, request additional non-sensitive information or cancel an Order where there are reasonable fraud, identity, sanctions or payment-security concerns. Any review will be conducted consistently with applicable data-protection and consumer law.

4.8 Taxes and duties

Taxes collected by Nurvishop are included or separately disclosed before payment as required by law. Import duties, import VAT, brokerage and similar destination charges may be payable by the recipient where they are not collected at checkout.

4.9 Refunds

Approved refunds are returned to the original payment method unless law requires or the payment provider technically requires another secure method. We do not issue cash refunds for card purchases. Issuer processing time and currency-conversion effects are outside our control.

4.10 Payment security

Never send full payment-card details, PINs, passwords or one-time authentication codes to Nurvishop by email. If a communication appears suspicious, contact info@nurvishop.com using contact details obtained directly from the Website.