Effective Date: October 05, 2025

This Payment Policy outlines the payment methods, processing, and related terms for purchases from M.COVALI LLC. By placing an order, you agree to these terms.

1. Accepted Payment Methods

We accept the following secure payment options:

• Visa
• MasterCard
• PayPal
• American Express

Payments are processed via trusted third-party gateways to ensure your financial information is protected.

2. Payment Processing

• Order Confirmation: Payment is authorized at checkout. We confirm acceptance via email.
• Processing Time: Transactions are processed within 1-2 business days (Monday-Friday, excluding holidays).
• Currency: All prices are in USD.
• Taxes: Applicable sales taxes are added at checkout based on your shipping location.

3. Security

• We use encryption (SSL) and secure gateways to protect your payment details.
• We do not store full credit card information; this is handled by our payment processors.
• For any suspected fraud, we may delay processing and contact you for verification.

4. Failed or Denied Payments

• If a payment fails (e.g., insufficient funds, expired card), we’ll notify you via email. You must update payment details within 3 days, or the order may be canceled.
• Denied transactions due to security flags may require additional verification.

5. Refunds

• Refunds follow our Refund & Return Policy (see prior section). Processed to the original payment method within 5-10 business days after inspection.
• PayPal refunds may take 1-2 additional days to reflect in your account.

6. Contact Us

For payment issues or questions: Mihail Covali, Owner M.COVALI LLC 443 Ramsay Way APT 427, Kent, WA 98032 Phone: +1 (206) 458-0449 Email: wmcollc25@gmail.com