Available methods may include PayPal, Visa, eligible credit and debit cards, Apple Pay and Google Pay where displayed at checkout.

Before payment is submitted, checkout displays the order total, including the products selected, applicable discounts, shipping charges and taxes collected at checkout.

The currency presented during checkout is the currency used for the transaction unless otherwise stated. Your financial institution may separately apply currency-conversion charges where applicable.

By submitting payment, you confirm that you are authorized to use the selected payment method and that the billing information you provide is accurate.

Transactions may be subject to authorization, fraud screening, identity verification or security review by the payment provider, card issuer or financial institution.

A transaction may be declined because of issuer restrictions, incorrect billing details, insufficient funds, security screening or other payment-provider reasons. Independent authorization decisions are outside Talmorica's control.

Some banks or payment providers may display temporary authorization holds or pending charges. A pending authorization is not necessarily a completed charge and may later settle or be released.

If your account appears to show two pending entries for the same attempted purchase, one may be a temporary authorization rather than a completed duplicate charge. Contact your financial institution or Talmorica Customer Support if the issue remains unresolved.

If payment fails, verify your billing information and payment-method details. You may also contact the card issuer or payment provider for further information.

Customers are responsible for providing complete and accurate billing information. Material discrepancies may delay or prevent transaction approval.

We may request additional non-sensitive information where reasonably necessary to verify a transaction before fulfillment.

Payment transactions may be processed by third-party payment providers. Payment providers handle payment information according to their own security and privacy practices.

Do not send complete payment-card details, CVV codes, banking passwords, payment-account passwords or one-time authentication codes to Customer Support.

If an order is canceled before completion, any applicable payment reversal or refund will be handled through the original payment method where possible.

Approved refunds are generally returned to the original payment method where possible.

Once an eligible refund is approved, talmorica™ generally initiates it within 5–10 business days after approval. The customer's financial institution may require additional posting time.

If more than 10 business days have passed after confirmed refund issuance and the refund is still not visible, contact Customer Support and your payment provider.

If you believe there is an order or billing issue, contact Customer Support first where practical so we can review the transaction and available resolution options.

Transactions may be reviewed for suspicious activity in order to reduce unauthorized purchases, fraud and misuse of payment systems.

When contacting us about a payment issue, provide your order number and non-sensitive transaction details. Never include passwords, CVV codes or one-time verification codes.