Payment Methods

Last Updated: November 2025

At Penyelesaian, we are committed to providing a secure, transparent, and seamless checkout experience. This Payment Methods Policy explains the payment options we accept, how payments are processed, and the measures we take to protect our customers. By placing an order on penyelesaian.com, you agree to the terms outlined in this policy.

1. Accepted Payment Methods

Penyelesaian supports several trusted forms of online payment to ensure flexibility and security throughout your shopping experience.

We currently accept:

  • Credit & Debit Cards
    • Visa
    • Mastercard
    • American Express
    • Discover
  • Digital Wallets & Accelerated Checkout
    • PayPal
    • Apple Pay
    • Google Pay
    • Shop Pay (if enabled)
  • Buy Now, Pay Later (BNPL) Options
    • Available through activated third-party processors
    • Installments may be offered depending on provider
  • Prepaid & Gift Cards
    • Visa, Mastercard, and AMEX prepaid cards
    • Processed like standard credit cards

2. Currency

All prices on penyelesaian.com are shown and processed in USD, unless otherwise stated at checkout. Your card provider may charge currency conversion fees if your account uses a different currency.

3. Payment Security

We use encrypted payment gateways and industry-standard security measures to protect your financial information.

Security Protections Include:

  • SSL encryption for all transmitted data
  • Tokenized payment processing
  • PCI-compliant payment providers
  • Fraud-prevention monitoring
  • Secure checkout with multi-step verification (if supported by your card issuer)

Penyelesaian does not store full credit or debit card numbers on our servers.

4. When You Are Charged

Your payment method is charged at the time your order is placed, not when the item ships.

This ensures:

  • Accurate order reservation
  • Faster inventory processing
  • Immediate purchase confirmation

5. Billing Information Requirements

To complete an order, all customers must provide accurate billing details, including:

  • Full name
  • Billing address
  • Card number and expiration date
  • CVV or security code
  • Email address for receipt and confirmation

Orders may be delayed or canceled if billing information cannot be verified.

6. Payment Verification & Fraud Prevention

We reserve the right to:

  • Request additional verification information
  • Cancel orders flagged as high-risk
  • Refuse suspicious transactions

Verification may include confirming billing details, shipping address, or identity documentation. These measures help protect both Penyelesaian and our customers.

7. Payment Declines

A payment may be declined due to:

  • Insufficient funds
  • Incorrect billing information
  • Bank security blocks
  • Card expiration
  • Network processing issues

If your payment is declined:

  • Verify card details
  • Contact your bank
  • Try a different payment method

Our support team can assist with general questions, but we cannot override bank declines.

8. Taxes & Duties

Applicable sales taxes are calculated at checkout. International customers (if applicable) are responsible for customs duties, VAT, and import charges based on their country.

9. Refund Method & Timeline

Refunds are issued according to our Return & Refund Policy.

Refund Details:

  • Refunds are issued to the original payment method only
  • No transaction fees or penalties
  • Processed within 10 days after the approved return
  • Banks may require 3–5 additional days to display the credit

If your card has expired, your bank will usually reroute the refund to your new card automatically.

10. Unauthorized Transactions

If you detect unauthorized charges:

  • Contact your bank or card provider immediately
  • Contact our support team so we can review the order

Penyelesaian is not responsible for unauthorized use of your account, passwords, or payment credentials; however, we will assist with internal verification when legally permitted.

11. Installment Plans (If Available)

Certain BNPL providers may offer installment plans based on their own terms, including:

  • Interest rates (if applicable)
  • Payment schedules
  • Late fees
  • Approval criteria

Customers are responsible for reviewing BNPL provider terms before choosing this option.

12. Order Cancellation & Payment Handling

If your order is canceled within permitted timeframes or by Penyelesaian:

  • A full refund is issued automatically
  • Refund processing takes 1–2 business days
  • Bank posting times vary

See our Cancel/Change Order Policy for complete details.

13. Contact Us for Payment Assistance

Our customer support team can help with payment inquiries, checkout issues, or billing questions (we cannot access full card details).

Penyelesaian – Customer Support
Email: support@penyelesaian.com
Support Hours: Monday – Saturday, 8:00 AM – 7:00 PM (EST)