Payment Information

Merqavio™ is committed to providing a clear and straightforward checkout experience. Available payment methods are presented during checkout so you can review the applicable options before completing your order.

Orders are processed in United States Dollars (USD) unless another currency is expressly displayed during checkout.

Paying with PayPal

Where PayPal is available at checkout, selecting it as your payment method will direct you to PayPal's payment environment to complete the transaction.

Depending on PayPal's availability for your location and account, you may be able to complete payment by:

• Signing in to an existing PayPal account.
• Using an eligible debit or credit card through PayPal where guest checkout is offered.

Payment information entered through PayPal is handled through PayPal's payment system rather than being entered directly into our internal order records.

Credit and Debit Cards

Merqavio™ may accept major credit and debit cards through the payment options displayed during checkout.

The specific card types available can vary depending on your location, device, payment provider, and checkout configuration. The options shown during checkout represent the payment methods currently available for your order.

Card transactions are submitted through authorized payment processing services. Merqavio™ does not use your full card number as ordinary customer-service information.

Payment Authorization

When you place an order, your selected payment provider may perform authorization checks before the transaction is approved.

A payment may be declined or require additional verification for reasons such as:

• Incorrect billing information.
• Insufficient available funds or credit.
• Card issuer restrictions.
• Security or fraud-prevention checks.
• Expired or unsupported payment details.
• Additional verification required by the payment provider or issuing bank.

If your payment is declined, your card issuer or payment provider may be able to provide more information about the reason.

When You Are Charged

The timing of payment authorization and final settlement can depend on the payment method used and the procedures of the relevant payment provider or card issuer.

Any amount displayed during checkout should be reviewed carefully before you submit the order.

If your bank displays a pending authorization, the time required for that pending entry to update or disappear is generally determined by your bank or payment provider.

Currency and Conversion

Our standard transaction currency is USD unless a different currency is clearly shown at checkout.

If your payment account is denominated in another currency, your bank, card issuer, or payment provider may apply its own exchange rate or currency-conversion charges.

These third-party conversion rates and fees are determined by the relevant financial institution and are not set by Merqavio™.

Payment Security

We take the security of checkout information seriously and use payment services designed to transmit transaction information through secure checkout environments.

Sensitive payment details are handled by the applicable payment provider or payment gateway according to its own security systems and processing requirements.

For your protection, please do not send full card numbers, card security codes, passwords, or other sensitive payment credentials to our customer service email or phone number.

Failed or Incomplete Payments

An order may not be successfully created if the payment process is interrupted, rejected, or left incomplete.

If you are unsure whether an order was successfully submitted, please check for an order confirmation and review your payment account before attempting the transaction again.

If you still need assistance, contact our customer service team and provide any available order reference information. Please do not send your complete card details.

Duplicate or Unexpected Charges

If you believe that the same completed order has been charged more than once, please contact us so we can review the order records available to us.

Please include your order number, the amount in question, and the date of the transaction. For security reasons, do not provide your full payment card number.

In some cases, a pending bank authorization may appear separately from the final completed transaction. Your card issuer can confirm whether an entry is pending or fully settled.

Refund Payment Method

When a refund is approved under our applicable Return & Refund Policy, it is generally issued back to the original payment method used for the purchase.

After a refund has been issued, additional processing time may be required by your bank, card issuer, PayPal, or other payment provider before the funds appear in your account.

Refund eligibility and processing requirements are governed by the applicable return and refund terms for the order.

Billing Information

Please make sure that the billing information entered during checkout is accurate and matches the information expected by your payment provider where applicable.

Incorrect billing details may cause a transaction to be declined or require additional verification.

Payment Support

If you have a question about an order payment, duplicate transaction, refund status, or checkout issue, you may contact our customer service team:

Email: service@merqavio.com

Phone: +86 189 2521 7986

Customer Service Hours: 07:00–22:00 daily

For order-specific enquiries, please include your order number whenever available so we can review the relevant transaction more efficiently.

For questions specifically related to a card decline, bank authorization, exchange rate, or financial-account restriction, your issuing bank or payment provider may also need to assist you directly.