Payment Policy

Last updated: July 29, 2026

1. ABOUT THIS POLICY

This Payment Policy applies to purchases made through https://exdivo.com/ (the “Website”).

The Website is operated by Exdivo Trading Limited, trading as ExDivo (“ExDivo,” “we,” “us,” or “our”), a company incorporated in the British Virgin Islands.

This Policy explains how payments, authorizations, billing verification, currency conversion, refunds, and payment disputes are handled. It should be read together with our Terms of Service, Shipping Policy, Return and Refund Policy, and Privacy Policy.

Nothing in this Policy limits any mandatory consumer rights that apply under applicable law.

2. ACCEPTED PAYMENT METHODS

We accept the payment methods displayed as available at checkout.

Available methods may include credit cards, debit cards, online payment services, digital wallets, or other methods supported by our payment providers. The payment methods offered may vary according to your location, currency, device, order value, and the payment provider’s requirements.

A payment method is not accepted unless it is shown as available during checkout. We may add, remove, suspend, or restrict payment methods for security, legal, technical, or operational reasons.

Unless checkout expressly states otherwise, payment must be successfully authorized or completed before an order can enter fulfillment or be dispatched.

3. PAYMENT AUTHORIZATION AND CAPTURE

Depending on the payment method and payment provider, your payment may be captured immediately at checkout or first authorized and captured later.

An authorization confirms that the payment method appears valid and that sufficient funds or credit may be available. Your bank or card issuer may display an authorization as a pending charge or temporary hold. A pending authorization is not necessarily a completed charge.

The timing for releasing an authorization hold is controlled by your bank, card issuer, or payment provider. ExDivo cannot directly remove or accelerate a pending hold.

If an authorized payment is not captured, is cancelled, or expires, your financial institution will normally release the hold according to its own procedures.

4. ORDER ACKNOWLEDGEMENT AND ACCEPTANCE

Receiving a payment authorization, payment confirmation, or order acknowledgement does not necessarily mean that your order has been accepted.

We may review an order for product availability, payment validity, fraud risk, age and identity verification, shipping eligibility, legal restrictions, and other compliance requirements.

A binding sales contract is formed only as described in our Terms of Service. If we cannot accept an order after payment has been captured, we will cancel the affected order or item and issue the applicable refund.

5. BILLING INFORMATION AND PAYMENT VERIFICATION

You must provide complete and accurate billing, contact, and payment information.

The name, billing address, postal code, security information, and other details supplied at checkout should match the information held by your bank or payment provider.

We or our authorized service providers may request additional information to verify the payment, identity, age, billing address, shipping address, or authority to use the selected payment method.

Verification may delay order processing. If requested information is not provided, cannot be verified, or appears inaccurate or suspicious, we may decline, cancel, or limit the order.

Do not send full payment-card numbers, card security codes, passwords, or other sensitive payment credentials to us by email or ordinary customer-service messages.

6. AGE AND LEGAL ELIGIBILITY

Products offered through ExDivo are age-restricted.

For orders delivered within the United States, the purchaser and recipient must be at least 21 years old. In other jurisdictions, customers must meet the applicable minimum legal purchasing age and may not purchase through ExDivo if they are under 18.

By submitting payment, you confirm that you meet the applicable age requirement, are legally permitted to purchase the products, and are authorized to use the selected payment method.

We may cancel and refund an order if age, identity, payment authority, or legal eligibility cannot be verified.

7. PAYMENT SECURITY AND THIRD-PARTY PROCESSORS

Payments are processed through authorized third-party payment providers and financial institutions.

ExDivo does not intentionally store your full payment-card number or card security code on its own Website systems. Payment providers may collect and process payment credentials directly under their own terms and privacy notices.

We use reasonable measures intended to protect payment and transaction information. However, no online payment method or transmission system can be guaranteed to be completely secure.

Information relating to payments, fraud screening, refunds, and disputes is processed as described in our Privacy Policy.

8. FAILED, DECLINED, OR PENDING PAYMENTS

If a payment is declined, fails, remains incomplete, or cannot be verified, the order may not be processed.

Common causes may include incorrect billing details, insufficient funds, an expired payment method, bank security controls, transaction limits, unsupported cards or payment methods, geographic restrictions, or payment-provider risk screening.

Your bank or payment provider may be able to explain a decline, pending transaction, or authorization hold. ExDivo may not receive the specific reason for a decline.

If you believe you were charged but no order was created, contact info@exdivo.com with the email address used at checkout, the approximate transaction time, and the amount. Do not send full card details.

9. CURRENCY AND CONVERSION

The currency shown at checkout is the transaction currency for the order unless checkout clearly states otherwise.

The Website may display prices in USD or other supported currencies. Displayed currency options and exchange-rate estimates may change.

If your payment account uses a different currency, your bank, card issuer, digital-wallet provider, or payment processor may convert the transaction and charge foreign-exchange, international transaction, or other fees.

ExDivo does not control third-party exchange rates or bank fees and is not responsible for differences caused by those rates or fees.

A refund is normally issued in the original transaction currency. The amount appearing in your local currency may differ from the original local-currency amount because of exchange-rate movements or fees applied by your financial institution.

10. TAXES, DUTIES, AND OTHER CHARGES

Product prices and shipping charges may exclude taxes, customs duties, import charges, excise taxes, brokerage fees, or other government charges unless checkout clearly states that they are included.

Where applicable law requires the customer or importer to pay destination charges, you are responsible for those charges.

Taxes collected at checkout are calculated using the information available at the time of the order and may be adjusted where required by law.

Charges paid directly to a carrier, customs authority, bank, card issuer, or other third party are not collected by ExDivo and are generally not refundable by ExDivo.

11. PRICING ERRORS AND ORDER TOTALS

We make reasonable efforts to display accurate prices, discounts, taxes, shipping charges, and order totals. Errors may occasionally occur.

If we identify a material pricing or calculation error before accepting or dispatching an order, we may contact you to confirm whether you wish to proceed at the correct amount or cancel the affected item or order.

We will not charge an increased amount without your authorization. If an affected paid order is cancelled, we will refund the applicable amount to the original payment method.

12. ORDER CANCELLATIONS

To request cancellation, contact info@exdivo.com as soon as possible and include your order number.

A cancellation request is not effective until we confirm it. We may be unable to cancel an order that has entered fulfillment, been packed, or been dispatched.

If an entire paid order is cancelled before dispatch, the amount paid for the cancelled order will be refunded to the original payment method.

If an order has already been dispatched, it cannot normally be cancelled in transit. Any eligible return after delivery is governed by our Return and Refund Policy.

13. REFUNDS

Approved refunds will be issued to the original payment method used for the purchase, unless another method is required by applicable law or expressly agreed with you.

We aim to initiate an approved refund within 5 business days after the refund is approved or, where a return is required, after the returned product has been received and inspected.

After we initiate a refund, your bank, card issuer, digital-wallet provider, or payment processor may require an additional 5 to 10 business days, or another period determined by that provider, to post the funds.

If a refunded card has expired, been replaced, or been closed, the issuing bank normally determines how the refund is routed. Contact your bank if the refund does not appear.

If we cancel an order because we cannot supply or ship the purchased products, we will refund the amount paid for the cancelled products and any shipping charge attributable to the cancelled order, as required by applicable law.

Store credit will not be substituted for a monetary refund where applicable law requires a refund to the original payment method. Store credit may be offered only where permitted and accepted by you.

Once a refund has been initiated, it may not be possible to cancel or reverse it.

14. DUPLICATE OR UNRECOGNIZED CHARGES

A temporary authorization and a completed charge may appear separately for a limited period and can sometimes look like duplicate charges.

If you see two completed charges for the same order, an unfamiliar descriptor, or a charge that you do not recognize, first compare the amount and date with your ExDivo order confirmation and contact your bank or payment provider.

You may also contact info@exdivo.com with the order number, charged amount, transaction date, and the last four digits of the payment card where appropriate. Do not send the full card number or security code.

We will review available order and payment records and provide reasonable assistance.

15. CHARGEBACKS AND PAYMENT DISPUTES

Please contact info@exdivo.com before initiating a chargeback where practical so that we have an opportunity to investigate and resolve the issue.

Nothing in this Policy prevents you from exercising lawful rights available through your bank, card issuer, payment provider, or consumer-protection authority.

If a chargeback or payment dispute is submitted, we may provide the payment provider with relevant order, verification, delivery, return, refund, communication, and transaction records, as described in our Privacy Policy.

A chargeback does not automatically create a right to retain both the purchased products and the disputed payment.

We may suspend fulfillment or account activity while a payment dispute is under review where reasonably necessary.

16. FRAUD PREVENTION AND ORDER RESTRICTIONS

We may use automated and manual tools to identify suspected fraud, unauthorized payment use, account abuse, unlawful resale, restricted destinations, unusual order patterns, or attempts to bypass age or shipping controls.

We may refuse, limit, hold, or cancel an order where we reasonably believe that the transaction is unauthorized, fraudulent, unlawful, unsafe, or inconsistent with our policies.

Where a paid order is cancelled following review, we will issue any refund required under this Policy and applicable law. We are not required to disclose confidential fraud-detection methods or security criteria.

17. CHANGES TO THIS POLICY

We may update this Payment Policy to reflect changes in payment methods, providers, business practices, legal requirements, or Website operations.

The revised Policy will be published on this page with an updated “Last updated” date.

The version in effect when an order is placed will generally apply to that order, unless applicable law requires otherwise.

18. CONTACT US

For questions concerning payments, billing, refunds, authorization holds, or order charges, contact:

Brand: ExDivo

Website operator: Exdivo Trading Limited

Jurisdiction of incorporation: British Virgin Islands

Official primary website: https://exdivo.com/

Customer service email: info@exdivo.com

Include your order number and the email address used at checkout. Do not send full payment-card numbers, card security codes, or account passwords.

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