Payment Policy

Last updated: December 7, 2025

This Payment Policy applies to transactions made with Karvinger, a brand owned and operated by Apex Global Retail – FZCO.

This Payment Policy explains the payment methods we accept, how your payment is processed, and the security measures in place when you shop at Karvinger, operated by APEX Global Retail – FZCO.

1. Accepted Payment Methods

We accept the following secure payment methods:

Visa
Mastercard
American Express
Discover
Apple Pay
Google Pay

Availability may vary based on your device and location.

2. Payment Processing

All payments made on our website are securely processed through Shopify Payments, PayPal, or the relevant third-party provider depending on your chosen method.

Your card is charged immediately upon order confirmation.
You will receive an order confirmation email once payment has been successfully processed.
For security reasons, Karvinger does not store your full credit card details.

3. Currency

All prices on our website are displayed in U.S. Dollars (USD) unless otherwise stated.
If your card uses another currency, the final charge will depend on your bank’s exchange rate and fees.

4. Payment Security

We use encrypted technology and industry-standard security protocols to protect your payment information.

PCI-DSS compliant processing
Encrypted transactions
Fraud detection and monitoring systems

These measures help ensure that your personal and financial information remains secure.

5. Declined or Failed Payments

Your payment may be declined for several reasons, including:

Insufficient funds
Expired card
Incorrect card information
Bank restrictions
Fraud prevention measures

If your payment is declined, please contact your bank first, then our support team at support@karvinger.com if you need assistance.

6. Billing Information Accuracy

You agree to provide current, complete, and accurate billing information at checkout.
Incorrect or incomplete billing details may result in delays or order cancellation.

7. Order Verification

For security purposes, we may require additional verification before processing certain orders.
This may include confirmation of identity, address, or payment method.

8. Refunds

Refunds are issued according to our Refund Policy.
Approved refunds will be returned to the original payment method.
Processing times may vary depending on your bank or payment provider.