Website: www.noirika.com
Email: Info@noirika.com
1. Introduction
Noirika provides secure and reliable payment processing to facilitate the purchase of apparel and related products. This Payments Policy outlines how payments are processed, accepted, and managed, while protecting the company’s interests and complying with EU and US laws.
By placing an order, you agree to the terms of this Payments Policy, as well as Noirika’s Terms & Conditions and Privacy Policy.
2. Accepted Payment Methods
Noirika currently accepts payments via the following trusted third-party providers:
- Stripe – Credit/Debit cards and Apple/Google Pay
- PayPal – Personal and business accounts
- WooCommerce Payments – Integrated payment processing
Noirika reserves the right to add, modify, or remove payment methods at any time without prior notice.
3. Payment Processing
- Payments are processed securely through third-party platforms.
- Noirika does not store sensitive payment information, such as full credit card numbers or CVV codes.
- Payment authorization occurs prior to order fulfillment. Orders will not be shipped until payment is successfully received.
- Customers are responsible for ensuring that funds are available in their accounts.
4. Payment Security
Noirika prioritizes secure transactions by:
- Using PCI-compliant payment providers (Stripe, PayPal, WooCommerce)
- Encrypting all payment information during transmission
- Limiting access to payment-related information to authorized personnel and third-party providers
While Noirika implements strong security measures, the company cannot be held liable for breaches caused by unauthorized third parties beyond its control.
5. Payment Verification & Fraud Prevention
- Noirika reserves the right to verify payments and may request additional documentation to prevent fraudulent transactions.
- Orders may be delayed, canceled, or suspended if payment verification fails or suspicious activity is detected.
- Chargebacks initiated without valid reason may result in account restrictions or legal action in accordance with applicable law.
6. Currencies & Exchange Rates
- Payments are processed in the currency displayed at checkout.
- Exchange rates applied to international transactions are determined by the payment provider.
- Noirika is not responsible for differences in exchange rates or conversion fees charged by banks or payment providers.
7. Refunds & Payment Disputes
- Refunds are governed by Noirika’s Returns & Refund Policy.
- Refunds are issued using the original payment method, whenever possible.
- Noirika is not liable for delays or fees applied by banks, payment processors, or third-party platforms during refunds.
8. Customer Responsibilities
Customers are responsible for:
- Providing accurate billing information
- Ensuring sufficient funds for transactions
- Monitoring payment confirmations and order status
- Following third-party platform procedures for disputed charges
Failure to comply may result in delayed processing, order cancellation, or additional fees.
9. Liability Disclaimer
To the maximum extent permitted by law:
- Noirika does not guarantee uninterrupted or error-free payment processing, especially when using third-party platforms.
- Noirika is not liable for failed or delayed payments caused by technical errors, bank issues, or third-party provider disruptions.
- Customers agree that Noirika’s liability is limited to the amount paid for the order, in accordance with applicable law.
10. Policy Updates
Noirika reserves the right to update this Payments Policy to reflect:
- New payment methods or providers
- Changes in third-party platform procedures
- Updates required by EU or US regulations
Users are encouraged to review this page regularly. Continued use of Noirika.com constitutes acceptance of any updates.