Salvya

Payment terms

Effective date: 12 May 2026 · Version: 1.0

These Payment Terms (“Payment Terms”) describe how Salvya and its payment partners collect, authorise, and settle amounts for purchases through our checkout. They supplement our Terms of Service (especially the orders and payment section) and our Returns & refunds policy. If checkout or your order confirmation shows different fees, methods, or currencies for a specific order, those disclosures control for that transaction where they were visible before you confirmed payment.

1. Who these Payment Terms cover

These Payment Terms apply when you pay for goods or services sold through Salvya-hosted checkout in a production environment where payment is live. The legal entity that contracts with you and processes or instructs payment may be identified on your receipt, tax invoice, or order confirmation.

2. Accepted payment methods

Available methods depend on your region, currency, product, and risk checks. They may include, where offered at checkout:

• Cards (debit or credit) through our card acquirer or wallet flows;
• PayPal (account balance, linked bank, or card funded through PayPal) when PayPal is enabled for the storefront;
• Cash on delivery (COD) only where explicitly shown as an option and only for eligible destinations and order values. COD means you pay the courier or agent at delivery according to the instructions you receive—Salvya or its partner may cancel or refuse orders if COD terms are not met.

We may add or remove methods, wallets, or instalment options from time to time. You must use a payment instrument you are authorised to use.

3. Authorisation, capture, and timing

When you submit payment, you authorise Salvya and its designated processors to charge or debit the selected method for the order total shown at checkout (including product, shipping, taxes, and disclosed fees). Some flows place an authorisation hold first and capture funds when the order is accepted or when items ship; others capture immediately. The timing for your statement may depend on your bank or PayPal.

If we cannot complete capture (for example inventory allocation fails), we will void or release the authorisation where technically possible and notify you according to our processes.

4. Currency and pricing

Prices are displayed in the currency selected or detected at checkout unless another currency is expressly stated. You are responsible for any conversion fees, foreign transaction fees, or cross-border charges imposed by your card issuer or PayPal. Promotional prices, bundles, and discounts apply only for the campaign window and rules shown on the site.

5. Taxes, duties, and third-party fees

Applicable sales tax, VAT, GST, or similar may be estimated and collected at checkout where we are configured to do so. Import duties, customs clearance, or carrier brokerage may be billed separately by the carrier or customs authority depending on destination rules—see our Shipping & delivery policy for how those charges can arise.

6. Failed, reversed, or disputed charges

If a payment is declined, expired, or reversed, we may suspend fulfilment until a successful payment is received or may cancel the order. You agree not to abuse chargebacks: see our Terms of Service and Returns & refunds policy for chargeback expectations. We may share transaction data with processors and fraud-prevention services as permitted by law and our privacy notices.

7. Cash on delivery (COD)

Where COD is offered, you agree to have the correct amount(or instrument accepted by the carrier) ready at delivery and to accept the carrier's terms. Refused delivery, failed collection attempts, or repeated COD failures may lead to restrictions on future COD eligibility or cancellation fees where disclosed and permitted by law.

8. Refunds and credits

When a refund is owed under our Returns & refunds policy or mandatory consumer law, we will generally credit the original payment method. For COD orders that were never collected or were cancelled in accordance with policy, any refund mechanism will be described in your order communications. Refund timing depends on banks and networks.

9. Fraud prevention and order verification

We may delay, review, or cancel orders that fail automated fraud checks, show inconsistent billing or shipping data, or match high-risk patterns. We may request additional verification (for example proof of card ownership or identity) before accepting or shipping an order.

10. Payment processors and wallet providers

Card, PayPal, and other flows are operated by licensed or regulated third-party processors. Their terms and privacy policies may apply in addition to ours. Salvya does not store full card numbers on its own servers when industry-standard tokenisation or hosted fields are used.

11. Security of your checkout session

Use a secure device and network when paying. Do not share one-time codes, passwords, or payment links. Salvya will not ask you to send card details by email or unsecured chat. Report suspected phishing to support using official channels only.

12. Preview and demonstration environments

In preview, staging, or demo builds, payment UIs may be simulated. Unless Salvya confirms a live production charge in your card or wallet app, you should assume no payment was taken and no fulfilment obligation exists.

13. Changes to these Payment Terms

We may update these Payment Terms for legal, processor, or product reasons. The version and effective date at the top of this page will change. Changes apply to new orders after the updated date unless the law requires otherwise.

14. Contact

For billing questions, duplicate charges, or payment errors, contact Salvya support using the channel in your order confirmation and include the order number and the last four digits of the card or your PayPal transaction ID where applicable.