Payment Policy

1. Accepted Payment Methods

At MINTWOOD CONSULTING LLC, we accept secure online payments through the payment methods made available at checkout, including Visa, Mastercard, American Express, PayPal, Discover, Diners, Apple Pay, and Google Pay. The payment methods shown at checkout may vary slightly depending on your location, device, and payment provider availability.

2. Transaction Currency

All transactions on our website are processed in Euro (EUR, €). If your bank account or card is set to another currency, your card issuer or payment provider may apply a currency conversion rate and, where applicable, additional foreign transaction fees. MINTWOOD CONSULTING LLC is not responsible for exchange rate differences or charges imposed by your bank or payment service provider.

3. Payment Security

We are committed to protecting your payment information and maintaining a secure checkout environment. Payments are processed through trusted third-party payment service providers using industry-standard security technologies, including SSL (Secure Socket Layer) encryption and secure payment gateways. We do not store, collect, or have direct access to your full credit card or debit card details on our servers. Advanced fraud prevention, transaction monitoring, and verification measures may also be used to help detect unauthorized or suspicious payment activity.

4. Payment Authorization and Failed Transactions

All orders are subject to successful payment authorization before they are accepted and processed. If your payment is declined, fails, is flagged as high-risk, or cannot be completed for any reason, your order will not be processed. In such cases, we recommend checking your card details, billing address, available balance, and payment provider settings, or contacting your bank or payment provider directly. If a temporary authorization hold appears on your account after a failed transaction, the release time will depend on your bank or payment provider.

5. Payment Disputes and Verification

To help prevent fraud and protect both customers and our business, we reserve the right to cancel, refuse, or place on hold any order where payment verification cannot be completed. Additional identity or payment confirmation may be requested in certain cases before shipment. If a chargeback, payment dispute, or unauthorized payment claim is raised, we may review the relevant order details, shipping confirmation, tracking information, and communication records as part of the dispute process. Customers are encouraged to contact us first at [email protected] to resolve any payment-related issue before opening a formal dispute with their bank or payment provider.

6. Refund Processing

Where a refund is approved, the refunded amount will be returned to the original payment method used for the purchase. Refunds are typically processed within 7 business days after approval, although the exact time for the funds to appear in your account may vary depending on your bank, card issuer, or payment provider. Original shipping fees, currency conversion costs, and third-party transaction fees may not be refundable unless otherwise required by law or stated in our Refund & Returns Policy.