Payment Policy

1. Transaction Currency

All transactions completed through forqemi.com are charged in Euros (EUR). Product prices, shipping costs, applicable taxes, refunds, and other amounts shown during checkout are calculated and processed in EUR.

If your card, bank account, PayPal account, or digital wallet is maintained in another currency, your financial institution may convert the payment from EUR using its own exchange rate. Any exchange-rate differences, conversion charges, or foreign transaction fees imposed by your payment provider are the responsibility of the customer.

2. Accepted Payment Methods

We accept Visa, Mastercard, American Express, JCB, Discover, PayPal, Google Pay, and Apple Pay. The payment options shown during checkout may vary according to your device, browser, region, and the availability of the relevant payment service.

An order can only proceed after payment has been successfully authorized. Customers are responsible for entering complete and accurate billing and payment details when placing an order.

3. Third-Party Payment Processing

Payments placed through forqemi.com are handled securely by independent third-party payment providers, including Stripe and PayPal. These providers process payment information using their own security systems, procedures, and applicable payment-industry standards.

FORQEMI, LLC does not directly store complete credit or debit card numbers, CVV or CVC codes, PayPal passwords, banking login details, or other complete sensitive payment credentials on our own systems.

4. Payment Security and Data Protection

We use reasonable technical safeguards to help protect information transmitted during checkout. forqemi.com uses HTTPS and SSL/TLS encryption to secure communications between your browser and our website.

Our payment providers may use PCI DSS-compliant payment infrastructure, tokenization, encrypted transmission, fraud monitoring, and 3D Secure authentication where applicable. These measures help reduce the exposure of sensitive payment information and support secure transaction authorization.

5. Failed Payments, Authorization and Disputes

Payments may be declined because of incorrect card information, insufficient funds, an expired payment method, bank authorization requirements, payment-provider restrictions, fraud-prevention checks, or other security-related reasons.

If your payment is unsuccessful, please review the information entered and contact your bank, card issuer, PayPal, or other applicable provider if necessary. If you believe a payment associated with forqemi.com is incorrect or unauthorized, please contact us at [email protected]. We may review available order and transaction information and work with the relevant payment provider where appropriate.

6. Refunds

When a refund is approved under our applicable return and refund terms, the amount will be returned to the original payment method used for the order. Approved refunds are not normally transferred to a different payment card, bank account, PayPal account, or digital wallet.

Approved refunds are normally submitted within 7 business days. After we submit the refund, Stripe, PayPal, the customer's bank, card issuer, or other payment provider may require additional time before the funds appear in the customer's account.