Payment Terms

These Payment Terms explain the payment methods accepted by Knowgeeks, payment authorization procedures, order charges, payment security, installment options, refunds, and other payment-related conditions that apply when purchasing from our website.

By submitting an order and completing payment through Knowgeeks, you agree to these Payment Terms and our Return and Refund Policy, Shipping Policy, Privacy Policy, and Terms of Service.

Accepted Payment Methods

Knowgeeks currently accepts the following eligible credit and payment cards:

• Visa
• Mastercard
• American Express
• Discover
• Diners Club
• Elo
• JCB
• UnionPay

We also currently offer the following accelerated or alternative payment methods:

• Shop Pay
• PayPal
• Google Pay
• Shop Pay Installments for eligible customers

Only payment methods actually displayed during checkout are available for the applicable transaction.

The availability of a payment method may vary depending on:

• The customer’s country or region.
• The customer’s device and browser.
• The billing and shipping address.
• The order amount.
• The payment currency.
• The customer’s payment account.
• The issuing bank or payment provider.
• Fraud-prevention and eligibility requirements.

Knowgeeks does not guarantee that every payment method will be available to every customer or for every order.

Payment Currency

Product prices and checkout totals are currently displayed and charged in:

United States dollars (USD)

The final payment currency and total amount will be displayed during checkout before the customer authorizes payment.

If the customer’s card or payment account uses another currency, the issuing bank or payment provider may convert the transaction and charge additional fees, including:

• Currency-conversion fees.
• Foreign-transaction fees.
• International processing fees.
• Other bank or payment-provider charges.

These charges are determined by the customer’s bank or payment provider and are not charged or controlled by Knowgeeks.

Credit and Payment Card Transactions

Customers choosing to pay by card may be required to provide:

• Name on the card.
• Card number.
• Expiration date.
• Security code.
• Billing address.
• Postal or ZIP code.
• Additional verification information when requested.

Card transactions are subject to authorization by the issuing bank and the applicable payment processor.

The appearance of a card logo during checkout does not guarantee that every card issued under that brand will be accepted for every order.

A card may be declined because of account restrictions, insufficient funds, incorrect information, transaction limits, security screening, or another decision made by the issuing bank or payment provider.

Knowgeeks will never request a complete card number, card security code, or payment-account password through email, text message, telephone, or social media.

Shop Pay

Customers may use Shop Pay to complete an accelerated checkout using eligible contact, shipping, billing, and payment information saved to their Shop Pay account.

When using Shop Pay, customers may be required to verify their identity or account through:

• A one-time verification code.
• A passkey.
• Email or telephone verification.
• Another authentication method provided by Shop Pay.

The availability and operation of Shop Pay are subject to Shopify’s eligibility requirements, user terms, privacy practices, and security procedures.

Shop Pay Installments

Eligible customers may be offered the option to pay in full or in installments through Shop Pay.

Shop Pay Installments will only be available when it is displayed as an option during checkout.

Eligibility, payment schedules, installment amounts, applicable interest, late-payment terms, identity checks, and other financing conditions are determined by the installment provider and the agreement displayed during checkout.

Knowgeeks does not determine:

• Whether a customer qualifies for installment payments.
• The amount approved for installment financing.
• The number of available installments.
• The interest rate or financing charge.
• Payment due dates.
• Credit or identity-verification decisions.
• Late-payment or account-management procedures.

Customers must review and accept the applicable installment agreement before completing the order.

Selecting Shop Pay Installments does not change:

• The product price displayed by Knowgeeks.
• Order processing time.
• Estimated delivery time.
• Return eligibility.
• The return deadline.
• Final Sale conditions.

Questions regarding installment payments, installment due dates, financing accounts, or eligibility should be directed to the applicable installment provider.

PayPal

Customers may use an eligible PayPal account to complete payment.

When PayPal is selected, the customer may be redirected to PayPal to:

• Sign in to a PayPal account.
• Select an available funding source.
• Review the payment amount.
• Authorize the transaction.

Available PayPal funding sources may include:

• PayPal balance.
• A linked bank account.
• An eligible credit or debit card.
• Other payment methods made available directly by PayPal.

Available funding methods, account restrictions, identity verification, and transaction approval are determined by PayPal.

Knowgeeks does not control PayPal’s account decisions, technical availability, security reviews, or payment-processing results.

Google Pay

Eligible customers may use Google Pay to complete an accelerated checkout using payment and contact information saved to their Google Wallet or Google Pay account.

Google Pay availability may depend on:

• The customer’s device.
• The customer’s browser.
• The customer’s country or region.
• The payment method linked to Google Pay.
• Google Pay account status.
• The payment provider’s requirements.

Customers may be required to complete device verification, biometric verification, account authentication, or another security procedure before payment is approved.

The original payment method connected to Google Pay is used to process the transaction.

Guest Checkout

Customers are not required to create or sign in to a Knowgeeks customer account to use the standard checkout process.

A customer may complete checkout by providing the required:

• Email address.
• Shipping address.
• Billing address.
• Payment details.
• Contact information.

When Shop Pay, PayPal, or Google Pay is selected, the applicable third-party provider may require the customer to sign in to or verify an account with that provider.

Order Total

Before payment is submitted, the checkout page will display the applicable:

• Product subtotal.
• Promotional discounts.
• Shipping charges.
• Sales tax or other applicable taxes.
• Final order total.
• Payment currency.

Customers are responsible for reviewing the products, quantities, shipping information, discounts, shipping method, and final order total before completing payment.

By selecting “Pay now,” confirming an accelerated checkout, or otherwise submitting payment, the customer authorizes Knowgeeks and the applicable payment provider to charge the final amount displayed during checkout.

Knowgeeks will not increase the confirmed order total without obtaining additional authorization from the customer.

Shipping Charges and Taxes

Applicable shipping charges and taxes are calculated and displayed during checkout before payment is completed.

Shipping charges may vary according to:

• Delivery destination.
• Order value.
• Parcel weight or dimensions.
• Selected shipping method.
• Applicable shipping promotion.

For international orders, the destination country or region may impose additional charges, including:

• Import duties.
• Import taxes.
• Value-added tax.
• Customs-processing fees.
• Brokerage fees.
• Clearance charges.

Unless checkout clearly states that these amounts are included, international duties and import charges are not collected by Knowgeeks and are the responsibility of the recipient.

Promotional Codes

Promotional codes must be entered and successfully applied during checkout before payment is completed.

Unless the applicable promotion states otherwise:

• Promotional codes cannot be applied after an order has been submitted.
• Promotional codes cannot be exchanged for cash.
• Only one code may normally be used per order.
• Certain products or collections may be excluded.
• Minimum-order requirements may apply.
• Codes may have expiration dates.
• Codes may not be combined with another offer.

The final checkout total will show whether a promotional code was successfully applied.

Certain promotions may cause purchased products to become Final Sale. For example, products purchased using a promotion that expressly states they are Final Sale will be subject to the conditions displayed before purchase and the Knowgeeks Return and Refund Policy.

Payment Authorization

Submitting an order authorizes the selected payment provider to verify and process the transaction.

Payment may be subject to:

• Issuing-bank authorization.
• Billing-address verification.
• Card security-code verification.
• Account authentication.
• Identity verification.
• Fraud screening.
• Order security review.
• Payment-provider approval.

An order is not considered fully accepted until:

• Payment has been successfully authorized.
• Any required security review has been completed.
• Inventory has been confirmed.
• Knowgeeks has accepted the order.

A pending transaction or authorization notice from a bank does not necessarily mean that the order has been accepted, processed, or shipped.

Order Acceptance

An order confirmation email acknowledges that Knowgeeks has received the order request.

It does not guarantee final order acceptance or product availability.

Knowgeeks may refuse, limit, or cancel an order when:

• Payment cannot be authorized.
• Payment remains incomplete.
• Required verification cannot be completed.
• Inventory is unavailable.
• Product or pricing information contains an obvious error.
• The order appears unauthorized or fraudulent.
• The customer has provided inaccurate information.
• The order violates purchase limits or promotional terms.
• Fulfillment is not reasonably possible.

If payment has already been collected for a canceled order, the eligible amount will be returned to the original payment method.

Pending Payments

Some transactions may temporarily appear as pending while the issuing bank or payment provider completes authorization.

Orders with pending or incomplete payments may not be processed or shipped until payment is successfully completed.

If payment remains pending for an extended period, customers should contact the issuing bank or applicable payment provider.

Knowgeeks cannot manually approve a transaction that remains pending within a third-party payment system.

Declined or Failed Payments

Payment may be declined or fail because of:

• Incorrect card or account information.
• An incorrect expiration date or security code.
• A billing-address mismatch.
• Insufficient funds or available credit.
• An expired, blocked, or restricted card.
• Transaction or account limits.
• Failed identity verification.
• Security restrictions.
• Issuing-bank rejection.
• Payment-provider restrictions.
• Temporary network or technical problems.

If payment fails, the order may not be created or processed.

Customers should review their payment information, select another available payment method, or contact the issuing bank or payment provider.

Financial institutions do not always provide merchants with the complete reason for a declined payment. Knowgeeks may therefore be unable to explain the specific reason for a decline.

Authorization Holds

A failed, canceled, or incomplete payment attempt may temporarily appear as a pending authorization or authorization hold.

An authorization hold is not necessarily a completed charge. The issuing bank may temporarily reserve the amount while verifying the transaction.

If the transaction is not completed, the hold is generally released according to the issuing bank’s own processing schedule.

Knowgeeks cannot control or accelerate the release of a bank authorization hold.

Duplicate Charges

If two similar transactions appear on a payment statement, customers should first check whether one transaction is only a pending authorization.

To report a possible duplicate completed charge, contact Knowgeeks and provide:

• Customer name.
• Order number, when available.
• Transaction date.
• Transaction amount.
• Payment method used.
• A screenshot with sensitive payment details concealed.

Do not send complete card numbers, security codes, account passwords, or other sensitive payment credentials by email.

Billing Information

Customers are responsible for providing complete and accurate billing information.

Billing information may include:

• Full name.
• Billing address.
• City.
• State, province, or region.
• Postal or ZIP code.
• Country.
• Email address.
• Telephone number when requested.

Incorrect or incomplete billing information may result in:

• Payment failure.
• Additional verification.
• Processing delays.
• Order cancellation.

The billing address should match the information held by the issuing bank or payment provider.

Payment Security

Knowgeeks uses Shopify’s encrypted checkout system and authorized payment service providers to process transactions.

Card and payment-account information is transmitted through the applicable payment system. Knowgeeks does not directly store complete card numbers, card security codes, or third-party payment-account passwords on its own servers.

Transactions may be protected by security measures such as:

• Encrypted data transmission.
• Payment-provider authentication.
• Fraud-detection systems.
• Address verification.
• Card security-code checks.
• Additional customer authentication.

Although reasonable security measures are used, no internet transmission or electronic storage method can be guaranteed to be completely secure.

Customers should protect their devices, passwords, payment accounts, and verification codes from unauthorized access.

Fraud Prevention and Order Verification

Knowgeeks and its payment partners may review orders to prevent fraud and unauthorized transactions.

We may request reasonable additional information to confirm:

• Customer identity.
• Authorization to use the payment method.
• Billing information.
• Shipping information.
• Contact information.
• Other relevant order details.

An order may be delayed or canceled if the requested verification cannot be completed within a reasonable period.

Knowgeeks may cancel and refund an order when there is reasonable evidence of:

• Unauthorized payment activity.
• Fraud.
• Payment-account misuse.
• False or misleading information.
• Promotion abuse.
• Resale or purchasing abuse.
• Other suspicious activity.

Pricing and Technical Errors

Knowgeeks makes reasonable efforts to ensure that product prices, discounts, shipping charges, taxes, and checkout totals are accurate.

However, typographical, pricing, system, or technical errors may occasionally occur.

When an obvious error affects an order, Knowgeeks may:

• Correct the error before fulfillment.
• Contact the customer for confirmation.
• Cancel the affected product.
• Cancel the entire order.
• Refund the amount already collected.

Knowgeeks will not charge a higher corrected amount without first obtaining the customer’s authorization.

Order Confirmation

After an order is successfully submitted, a confirmation email will normally be sent to the email address provided during checkout.

The confirmation may include:

• Order number.
• Products ordered.
• Quantities.
• Amount paid.
• Shipping address.
• Billing details.
• Selected shipping method.

Customers should review the confirmation promptly and contact us if any information appears incorrect.

An order confirmation does not mean that the order has already shipped.

Order Changes and Cancellations

Customers should contact Knowgeeks as soon as possible to request an order change or cancellation.

Because orders may enter processing shortly after payment, we cannot guarantee that every change or cancellation request can be completed.

An order generally cannot be changed or canceled after it has been processed, packed, or transferred to the shipping carrier.

If an order has already shipped, the customer must wait for delivery and follow the Knowgeeks Return and Refund Policy.

Refunds

All returns, exchanges, store credits, and refunds are handled according to the Knowgeeks Return and Refund Policy.

Eligible standard returns related to size, fit, color, preference, or change of mind are normally processed as:

• An exchange; or
• Store credit.

Standard eligible returns are not normally refunded to the original payment method.

A refund to the original payment method may be provided when:

• The product arrived damaged or defective.
• Knowgeeks sent an incorrect product.
• The product was materially different from its description.
• An ordered product became unavailable.
• Knowgeeks canceled the order after payment.
• Applicable law requires a refund.

Approved refunds are normally returned to the original payment method used for the order.

Refund Processing Time

Knowgeeks normally submits an approved refund within 1–2 business days after approval.

During public holidays, promotional periods, or periods of unusually high refund volume, submission may require up to 5 business days.

After Knowgeeks submits the refund, the bank or payment provider may require an additional 5–10 business days to display the funds in the customer’s account.

The actual posting time is determined by the bank or payment provider and is outside the control of Knowgeeks.

Shipping charges, duties, taxes, and other fees will only be refunded when permitted under the Return and Refund Policy or required by applicable law.

Shop Pay Installments Refunds

When an order was paid through Shop Pay Installments, an approved refund will be submitted through the applicable installment-payment system.

Depending on the installment account and payment status, the refund may:

• Reduce or cancel the remaining installment balance.
• Be applied to amounts already paid.
• Be returned according to the provider’s procedures.

Knowgeeks does not control how the installment provider allocates the refund or how quickly it appears in the customer’s financing account.

Customers should continue making any scheduled payments unless the installment provider confirms otherwise.

Payment Disputes and Chargebacks

Customers are encouraged to contact Knowgeeks before submitting a payment dispute or chargeback so that we can review the order and attempt to resolve the issue.

Submitting a chargeback does not automatically cancel an order or establish eligibility for a refund.

When a payment dispute is opened, Knowgeeks may provide the bank or payment provider with relevant information, including:

• Order confirmation.
• Payment records.
• Shipping address.
• Tracking information.
• Delivery confirmation.
• Customer communications.
• Applicable store policies.

Nothing in this section limits any lawful dispute rights available through the customer’s bank, payment provider, or applicable consumer protection laws.

Third-Party Payment Providers

Card processors, Shop Pay, Shop Pay Installments, PayPal, and Google Pay are operated or supported by third-party service providers.

Use of these payment services may also be governed by the provider’s:

• User agreement.
• Privacy policy.
• Payment terms.
• Eligibility conditions.
• Security requirements.
• Refund procedures.
• Dispute procedures.

Knowgeeks does not control third-party account eligibility, service availability, technical operation, transaction approval, account restrictions, or processing timeframes.

Changes to Payment Methods

Knowgeeks may add, remove, suspend, or update available payment methods.

The payment options actually displayed during checkout at the time of purchase represent the available methods for that transaction.

These Payment Terms may be updated when payment methods, checkout procedures, or legal requirements change.

Consumer Rights

Nothing in these Payment Terms is intended to exclude, restrict, or modify consumer rights that cannot legally be excluded under applicable law.

Where applicable law provides greater protection than these terms, the applicable legal requirements will prevail.

Contact Us

For questions about payments, pending transactions, duplicate charges, order totals, or approved refunds, please contact:

Email: info@knowgeeks.com