PAYMENT POLICY
Payment & Billing Policy
This policy explains how checkout authorization, billing, payment security, fraud screening, refunds and payment-related customer support work regardless of which supported payment provider is used at checkout.
1. Accepted payment methods
Checkout displays the payment methods available through the active payment provider. A payment method is accepted only when it is shown as available during checkout.
2. Authorization and order acceptance
Submitting payment authorizes the payment provider to validate and authorize the transaction. An authorization or pending charge does not by itself guarantee that the order has been accepted or fulfilled.
3. Payment provider
Transactions may be processed by a supported third-party payment provider selected for the checkout. That provider may apply its own security checks, authentication steps, processing rules and availability requirements.
4. Card-data handling
Full card numbers and card security codes should be submitted only through the secure checkout payment component provided for the transaction. Lumora does not request full card credentials by email, chat or customer-support message.
5. Currency, tax and totals
Product prices are shown in US dollars on the United States storefront. Applicable tax, shipping and the final order total are displayed before payment confirmation.
6. Fraud and identity verification
For account security and chargeback prevention, an order may be reviewed, delayed, declined or cancelled where payment details fail verification, the transaction appears unauthorized, or additional confirmation is reasonably required.
7. Billing descriptor and receipts
The payment receipt and card statement may show a recognizable merchant, store, or payment-provider descriptor associated with the transaction. Order confirmation is sent to the customer contact information supplied at checkout.
8. Failed, duplicate or pending charges
If a payment fails, is duplicated, or remains pending unexpectedly, contact support with the order number and the last four digits only if needed for identification. Never send a full card number or CVC.
9. Refunds and payment disputes
Approved refunds are routed back to the original payment method where supported. Customers should contact support about a billing problem or refund status so transaction records can be reviewed before escalating a payment dispute.
10. Payment-provider compatibility
This policy is intentionally payment-provider neutral. It applies whether checkout uses cards, wallets, bank-based methods, or other supported payment options, subject to the rules and technical requirements of the provider shown at checkout.