Payment Policy

1. Accepted Payment Methods

This Payment Policy applies to orders placed through omtrivo.com. We accept the following payment methods: Visa, Mastercard, American Express, Discover, Klarna, Apple Pay, Google Pay, and PayPal. Available payment options may vary depending on your location, device, browser, payment provider rules, and checkout availability.

2. Transaction Currency

All product prices, shipping fees, taxes, discounts, and order totals are charged in United States Dollars (USD). If you use a payment card, digital wallet, or payment account issued in another currency, your bank, card issuer, PayPal, Klarna, or payment provider may apply currency conversion rates or additional fees. We do not control exchange rates or third-party payment fees.

3. Payment Security

We use trusted third-party payment providers, including Stripe-supported card and wallet payments, Klarna, and PayPal, to process transactions securely. We do not store full credit card numbers, CVV codes, or complete payment credentials on our own servers. Payment security measures may include HTTPS/SSL encryption, secure checkout pages, tokenization, payment authentication, fraud screening, transaction monitoring, and risk review tools provided by our payment processors.

4. Payment Authorization and Order Confirmation

When you place an order, your selected payment method may be authorized or charged at checkout. An order is not confirmed until payment has been successfully approved. After successful payment, you may receive an order confirmation email. We reserve the right to review, hold, or cancel orders if payment verification fails, fraud risk is detected, product information is incorrect, or the order cannot be fulfilled.

5. Failed Payments and Payment Disputes

If a payment fails, is declined, or cannot be verified, the order may not be processed. Please check that your billing details, card information, wallet account, PayPal account, or Klarna information are correct. For payment disputes, chargebacks, or Stripe review requests, we may provide relevant records, including order confirmation, payment confirmation, customer communications, shipping address, tracking number, carrier status, delivery confirmation, return request records, refund records, damaged package evidence, and policy acceptance information.

6. Refunds to Original Payment Method

Approved refunds will be issued to the original payment method used at checkout within 7 business days after the refund is approved. Your bank, card issuer, Stripe, PayPal, Klarna, Apple Pay, Google Pay, or other payment provider may require additional time to post the refund to your account. Refund eligibility, return conditions, damaged item claims, and non-refundable fees are handled according to our Return & Refund Policy.