💳 Payment Policy – KovaExtCity

Effective Date: December 25, 2025
Expiration Date: December 25, 2026

At KovaExtCity (“Company,” “we,” “our,” or “us”), we are committed to making your shopping experience secure, flexible, and transparent. This Payment Policy outlines the accepted payment methods, processing guidelines, security measures, and customer rights when purchasing through https://kovaextcity.com.

By completing a purchase on our website, you agree to the terms below.

💳 1. Accepted Payment Methods

We provide multiple payment options to ensure a seamless checkout:

  • 💳 Credit & Debit Cards: Visa, MasterCard, American Express, Discover.

  • 💻 PayPal: Secure checkout via PayPal balance, linked cards, or bank accounts.

  • 🏦 Bank Transfers: Available for bulk or wholesale orders upon request (contact us for arrangements).

  • 🕒 Buy Now, Pay Later (BNPL): Flexible installment options may be available through trusted third-party providers.

👉 All transactions are processed in U.S. Dollars (USD). For international buyers, currency conversion fees may apply.

🔐 2. Payment Processing & Security

  • 💠 All payments are processed immediately upon checkout.

  • 🔒 We use SSL encryption and PCI-DSS-compliant gateways to safeguard sensitive financial information.

  • ❌ For security reasons, KovaExtCity never stores your credit card details or full payment data.

  • 🛡️ High-value or unusual orders may undergo additional verification to prevent fraudulent activity.

📧 3. Order Confirmation

  • Once payment is successfully processed, you will receive an email confirmation with your order details.

  • If you do not see your confirmation email within 24 hours, check your spam/junk folder or contact us at info@kovaextcity.com.

  • This email serves as proof of purchase and should be retained for warranty or return purposes.

✅ 4. Payment Authorization & Verification

To protect our customers and business:

  • 📞 Orders flagged for review may require additional verification, and we may contact you via email or phone.

  • ❌ Orders that cannot be verified will be canceled, and a full refund will be issued.

  • ⚖️ We reserve the right to reject any transaction suspected of fraud or unauthorized use.

💰 5. Taxes & Additional Charges

  • 🏛️ Sales Tax: Applied to U.S. orders as required by state law and calculated at checkout.

  • 🌍 International Orders: Customers are responsible for customs duties, VAT, tariffs, and import fees charged by their country.

  • 💳 Bank Fees: Any additional transaction or conversion fees imposed by banks or card providers are the responsibility of the customer.

⚠️ 6. Payment Issues & Declined Transactions

If your payment is declined:

  • ✅ Double-check your card details (number, expiration date, CVV).

  • ✅ Ensure sufficient funds are available.

  • ✅ Contact your bank to confirm they allow online or international transactions.

  • ❓ If issues persist, email us at info@kovaextcity.com and our team will assist you.

💵 7. Refunds & Cancellations

  • Refunds are processed in line with our Refund & Returns Policy.

  • 📦 Orders canceled before shipment will receive a full refund.

  • 💳 Refunds may take 5–10 business days to reflect, depending on your bank or payment provider.

  • 🚫 Shipping charges are non-refundable unless the cancellation is due to an error on our part.

⚖️ 8. Chargebacks & Payment Disputes

We encourage all customers to reach out to us directly before filing a dispute.

  • ⚠️ Unauthorized chargebacks may result in suspension of your account.

  • 🛑 Fraudulent disputes may be pursued legally to recover associated costs.

  • ✅ If an issue arises, we are committed to resolving it promptly through direct communication.

📞 9. Contact Information

For all payment-related inquiries, please reach out to us:

📍 Address: 212 5th St NE, Grand Meadow, Minnesota (MN)
📞 Phone: (507) 754-5046
✉️ Email: info@kovaextcity.com
🌐 Website: https://kovaextcity.com