Payment Policy

1. Accepted Payment Methods
All transactions are processed in EUR (€). We accept:

• Credit/Debit Cards: Visa, Mastercard
• Digital Wallets: PayPal, Apple Pay
• Buy Now, Pay Later: Klarna (instant financing)
• Bank Transfer: SEPA (Single Euro Payments Area)

2. Payment Security

• All payments are encrypted via SSL/TLS technology.
• Card data is processed by PCI-DSS compliant gateways (e.g., Stripe, Adyen).
• We never store full card numbers or CVV codes.

3. Payment Authorization

• Orders are charged upon shipment confirmation.
• Failed payments automatically cancel orders within 24 hours.
• Pre-authorization may temporarily reserve funds (released in 3-5 business days).

4. Currency & Taxes

• Prices include German VAT (19%) for EU deliveries.
• Non-EU orders: VAT removed at checkout; import taxes apply locally.
• Currency conversion fees may be charged by your bank.

5. Special Cases

6. Refund Processing

• Refunds issued within 3-5 business days after return approval.
• Bank/PayPal processing may add 2-10 additional days.

7. Fraud Prevention

• We verify high-risk orders via email/phone.
• Suspicious transactions are canceled without notice.

8. Contact for Payment Issues
Email: mallstrade@hotsaleclub.com
Include: Order number, payment method, error screenshot.