Payment Policy

1. Transaction Currency

All purchases made through marniqo.com are processed in Euros (EUR). Product prices, shipping charges, applicable taxes, refunds, and other amounts shown during checkout are calculated and processed in EUR unless otherwise clearly stated.

If your card, bank account, PayPal account, Apple Pay, Google Pay, or other payment account uses a currency other than EUR, your bank or payment provider may convert the transaction into your local currency using its own exchange rate. Any currency conversion fees, foreign transaction fees, or additional charges imposed by your financial institution or payment provider are determined solely by that provider and are not controlled by MARNIQO, LLC.

2. Accepted Payment Methods

We accept the payment methods displayed during checkout. Depending on availability, device compatibility, account eligibility, and your location, supported payment methods may include Visa, Mastercard, American Express, Discover, Diners Club, PayPal, Apple Pay, and Google Pay.

The availability of a particular payment method may change from time to time. Only payment options shown as available during checkout can be used to complete an order. Certain payment methods may also require additional verification by your card issuer, bank, digital wallet provider, or payment service provider.

3. Third-Party Payment Processing

Payments placed through marniqo.com are processed through independent third-party payment service providers, including Stripe and PayPal. These providers securely process payment authorization, transaction information, and related payment communications according to their own security procedures and applicable payment industry requirements.

Depending on the payment method selected, your payment information may be transmitted directly to Stripe, PayPal, your bank, card issuer, or digital wallet provider for authorization. MARNIQO, LLC does not independently process or control the internal authorization procedures used by these third-party providers.

4. Payment Information and Data Security

We take reasonable technical and organizational measures to help protect payment-related information transmitted through our website. marniqo.com uses secure HTTPS connections together with SSL/TLS encryption to help protect information transmitted between your browser and our website.

Payment processing is handled through payment providers that use industry-standard security measures, including PCI-compliant payment infrastructure, payment tokenization, encryption, fraud monitoring, and 3-D Secure authentication where supported or required. These technologies are designed to reduce unauthorized access to sensitive payment information and provide additional verification for eligible transactions.

MARNIQO, LLC does not store your full credit or debit card number, CVV security code, online banking credentials, or complete digital wallet payment credentials on our website or servers. Sensitive payment information is handled directly by the applicable payment processor or financial institution.

5. Payment Authorization, Failures, and Disputes

An order is considered successfully paid only after the applicable payment provider has authorized the transaction. A payment may be declined, delayed, or rejected because of insufficient funds, incorrect payment details, card restrictions, security checks, billing address discrepancies, expired cards, fraud-prevention systems, issuer restrictions, or other reasons determined by your bank or payment provider.

If a payment fails, please verify that the information entered is correct or contact your bank, card issuer, PayPal, or other applicable payment provider for further assistance. We may also cancel or place an order on hold when payment cannot be successfully verified or when a transaction is identified as potentially unauthorized or fraudulent.

If you believe that a payment has been charged incorrectly, please contact us at [email protected] before initiating a payment dispute or chargeback whenever possible. We will review available order and transaction information and work with the relevant payment provider where appropriate. Chargebacks, payment disputes, and reversals may also be subject to the procedures and decisions of Stripe, PayPal, the card network, the issuing bank, or another applicable payment provider.

6. Refunds and Payment Reversals

Approved refunds are returned to the original payment method used for the purchase. We do not normally issue refunds to a different card, bank account, digital wallet, or payment account.

Once a refund has been approved, MARNIQO, LLC will normally process the refund within 7 business days. After the refund has been submitted, additional time may be required for the amount to appear in your account depending on your bank, card issuer, Stripe, PayPal, Apple Pay, Google Pay, or other payment provider.

Refund eligibility is subject to our applicable return and refund terms. Payment processor fees, currency conversion differences, foreign transaction fees, or other charges imposed independently by your bank or payment provider may not be refundable by MARNIQO, LLC.