Payment Policy

Payment Policy

At Zovaco, we strive to make your online shopping transaction secure, fluid, and completely trustworthy. This Billing and Payment Policy governs all financial transactions executed through www.zovaco.shop.

1. Currency of Transaction

All prices displayed on our website, item descriptions, shipping lists, and checkout breakdowns are exclusively valued and charged in United States Dollars (USD, $). If you are ordering using an international bank account, your local institution may perform an automated currency conversion; Zovaco is not responsible for external conversion fees imposed by your bank.

2. Accepted Payment Methods

We provide a comprehensive array of widely accepted, fully vetted payment methods at checkout to guarantee convenience. You can securely settle your order using:

  • Credit & Debit Cards: Visa, Mastercard, American Express (Amex), Discover, Diners Club, JCB.
  • Digital Wallets & Accelerated Checkouts: Apple Pay, Google Pay, Shop Pay (where available).

We do not accept cash payments, paper checks, bank wire transfers, or Cash on Delivery (C.O.D.) configurations for orders placed online.

3. Absolute Security & Data Encryption (PCI-DSS Compliant)

To ensure your financial data remains completely invisible to malicious actors, Zovaco implements a rigorous security framework:

  • Our checkout infrastructure utilizes industry-standard Secure Sockets Layer (SSL) 256-bit encryption technology. This protects your personal details during data transfer.
  • Your complete credit card number is never stored, retained, or visible on Zovaco’s servers or databases. All payment strings are handled directly via certified, Level 1 PCI-DSS compliant payment gateways.

4. Total Cost Transparency & No Hidden Charges

The final numerical figure presented to you on the secure checkout confirmation screen is the absolute total cost you will pay. This total consists strictly of:

  1. The advertised retail purchase price of the item(s) selected.
  2. Applicable localized state sales taxes (calculated based on your specific US delivery address requirements).
  3. Shipping Cost: $0.00 (Always Free).

We explicitly guarantee that there are no hidden handling charges, no unannounced membership fees, and no packaging surcharges integrated into your transaction.

5. Payment Authorization & Order Processing

When you click the "Pay Now" or "Complete Order" button, a full payment authorization capture takes place. If your card bank denies authorization, the order will automatically be set to a cancelled state, and no items will ship. We will only begin the 1-3 business days order processing cycle once full financial clearance has been successfully obtained.

6. Billing Discrepancies & Fraud Protection

To prevent fraudulent transactions, Zovaco employs automated risk mitigation checks. If your billing address does not align with your credit card issuing registry, your order may be flagged for manual review. We reserve the right to cancel any transaction that displays strong indicators of unauthorized fraud or card theft. If you spot a billing error on your statement related to Zovaco, contact us within 30 days at info@zovaco.shop to resolve it.