1. Accepted Payment Methods
We accept the following forms of payment:
- Credit and debit cards
- Bank transfers
- Electronic wallets
- Other electronic payment options (subject to availability)
- Availability of specific methods may vary based on your location and transaction type.

2. Currency
All payments must be made in the currency specified during checkout or as displayed on the invoice.
Currency conversion fees or charges imposed by your payment provider are your sole responsibility.

3. Payment Obligation
By placing an order or using our services, you confirm your obligation to make full payment.
Failure to complete payment may result in:

- Order cancellation
- Suspension of service
- Legal action for recovery of outstanding amounts

4. Payment Authorization
By submitting your payment information, you:
- Authorize us to charge the amount to your selected method
- Confirm that the information provided is accurate and you are authorized to use the payment method

5. Payment Security
We implement industry-standard security protocols to protect your payment data, including SSL encryption and secure storage measures.
However, please note that no method of transmission over the internet is 100% secure. We disclaim liability for any unauthorized access, unless directly caused by our negligence.

6. Payment Confirmation
Once payment is successfully completed, you will receive a confirmation via email or on-screen notification.
Please retain this confirmation for your records and as proof of payment.

7. Refunds and Cancellations
Cancellation Window: Orders can be cancelled within 24 hours of payment.

Refund Amount: A full refund will be issued minus 10% of the original payment, which covers payment processing and service charges.
- After 12 Hours: No cancellation or refund is possible.
- All costs related to refund transfers (e.g., bank or gateway fees) are borne by the recipient.

8. Payment Disputes
If you believe there is an error in your payment or wish to raise a dispute, contact our customer service within 7 days of the transaction.
We may request supporting documentation to resolve the issue effectively.

9. Taxes and Additional Charges
Unless otherwise stated, prices displayed do not include taxes, customs duties, or other applicable fees.
The buyer is solely responsible for any additional costs imposed by local or international authorities.

10. Policy Updates
We reserve the right to update or amend these terms at any time without prior notice.
Updated terms will take effect immediately upon publication. It is your responsibility to review the policy periodically.

By making a payment, you confirm that you have read, understood, and accepted these terms and conditions. If you have any questions or concerns, please contact us at info@merissatr.com before proceeding.