Payment Policy

1. Accepted Payment Methods

This Payment Policy applies to purchases made through lusmere.com and fulfilled by LUSMERE, LLC. We provide several secure payment options to make checkout convenient and accessible for our customers.

Depending on availability at checkout, accepted payment methods may include Visa, Mastercard, American Express, Discover, SEPA, Apple Pay, Google Pay, and PayPal.

Eligible card payments, digital wallets, and supported bank payment methods may be securely processed through Stripe, while PayPal payments are processed through PayPal. The exact payment options available for your order will be displayed during checkout before you complete your purchase.

By submitting an order, you confirm that you are authorized to use the selected payment method and that the payment and billing information provided is accurate.

2. Transaction Currency

All transactions completed through lusmere.com are processed in EUR. Product prices, shipping charges, applicable discounts, taxes where required, and the final amount payable will be displayed before payment is submitted.

If your card, bank account, digital wallet, or PayPal account operates in another currency, your payment provider or financial institution may convert the transaction into your local currency.

Any exchange rate, international transaction fee, currency conversion charge, or similar fee applied by a bank, card issuer, PayPal, or another payment provider is determined by that provider and is outside the control of LUSMERE, LLC.

3. Payment Authorization & Order Confirmation

When you submit an order, your selected payment method may be subject to authorization, authentication, or verification by Stripe, PayPal, your bank, card issuer, digital wallet provider, or other applicable payment institution.

An order is considered successfully paid only after the payment has been authorized or completed and any necessary verification checks have been satisfied.

For certain transactions, a temporary authorization hold may appear on your account while your payment provider completes its verification process. The timing and release of these holds are determined by the applicable bank or payment provider.

If payment authorization cannot be completed, the order may remain unpaid, be placed on hold, or be cancelled.

4. Payment Security & Protection

We use established payment providers and reasonable technical safeguards designed to protect transactions and customer information during checkout.

Our website uses HTTPS and SSL/TLS encryption to help protect information transmitted between your browser and our website. Eligible payment information is securely transmitted to Stripe or PayPal for processing through their respective payment infrastructures.

Depending on the selected payment method and transaction, security technologies and controls may include tokenization, PCI DSS-compliant payment processing, 3D Secure authentication, fraud screening, transaction monitoring, and automated risk analysis.

Apple Pay and Google Pay may also use device-based authentication and tokenized payment credentials provided by their respective platforms.

We do not normally store complete card numbers, CVV security codes, or full payment credentials on our website. Sensitive payment information is handled by the applicable payment provider according to its own security and compliance requirements.

5. Failed, Declined or Incomplete Payments

Payments may occasionally be declined or remain incomplete because of insufficient funds, incorrect payment information, expired cards, authentication failure, account restrictions, bank security controls, network interruptions, unsupported payment methods, or payment-provider risk checks.

If your payment is unsuccessful, please review the information entered during checkout and try again using an eligible payment method where appropriate.

You may also contact your bank, card issuer, PayPal, or other applicable payment provider for further information about a declined or restricted transaction.

We may request reasonable additional verification when necessary to confirm a transaction. LUSMERE, LLC may decline or cancel an order where payment cannot be verified, authorization is withdrawn, or reasonable fraud or security concerns are identified.

6. Refunds & Original Payment Method

Approved refunds are returned to the original payment method used to complete the purchase.

For example, an eligible card payment will normally be refunded to the same underlying card, while a PayPal payment will be returned through PayPal. Refunds relating to supported digital wallets or bank payment methods will be processed through the applicable original payment channel where supported.

Once a refund has been approved and processed by us, the funds should normally be credited within 7 business days. The exact time required for the refund to appear may depend on Stripe, PayPal, your bank, card issuer, wallet provider, or other applicable financial institution.

Approved refunds are not normally redirected to a different card, bank account, digital wallet, PayPal account, or unrelated payment method. This helps maintain consistent and verifiable transaction records.

Refund eligibility and return requirements are governed by our Return & Refund Policy.

7. Payment Disputes, Chargebacks & Support

If you notice a payment issue, duplicate charge, refund concern, or transaction you do not understand, please contact us at help@lusmere.com or through our Contact Us page so we can review the transaction and assist with an appropriate resolution.

If a dispute, chargeback, payment claim, or inquiry is submitted through Stripe, PayPal, a card issuer, bank, digital wallet provider, or another financial institution, we may provide relevant transaction records, payment authorization information, order details, delivery confirmation, customer communications, return information, and refund records as reasonably necessary to respond to the matter.

Opening a payment dispute does not automatically replace any applicable return process. Where appropriate, customers may be asked to follow the procedures described in our Return & Refund Policy before a refund can be completed.

For additional information relating to order delivery, please review our Shipping Policy.