Effective Date: June 8, 2026

This Payment Policy outlines the explicit, secure, and authenticated payment methodologies accepted on Kovev, ensuring complete regulatory alignment and securing customer transactions under industry-leading encryption standards.

1. Currency of Settlement

All pricing, transactions, and final invoices visible across our platform are denominated exclusively in United States Dollars (USD, $). If you are browsing our store from an international location or utilizing an overseas credit facility, your domestic bank will compute currency conversion based on real-time interbank rates at the second of checkout execution.

2. Accepted Payment Gateways and Credit Facilities

To provide a completely friction-free checkout, we accept standard secure digital payment configurations. We support:

• Credit and Debit Networks: Visa, Mastercard, American Express (AMEX), and Discover.
• Digital Express Checkouts: Apple Pay, Google Pay, and Shop Pay (when actively provisioned through our secure Shopify backend processor).

3. SSL Encryption & Transaction Security

Your online privacy and financial integrity are highly protected. The checkout process on Kovev utilizes industry-standard 128-bit Secure Sockets Layer (SSL) encryption technology. This creates an unreadable digital tunnel preventing third-party interception of credit numbers. Furthermore, we operate strictly in compliance with Payment Card Industry Data Security Standards (PCI-DSS), meaning your complete raw card credentials are never archived, retained, or visible on our internal servers.

4. Sales Tax and Surcharges

• Sales Tax: Where required by local state laws, applicable sales taxes will be calculated dynamically and displayed clearly at checkout based on the inputted shipping zip code.
• Surcharges: Kovev will never add hidden payment processing fees, service premiums, or administrative checkout surcharges to your final order summary. The price visible on the product display page is the price you pay, plus applicable state taxes.

5. Prevention of Payment Fraud & Order Auditing

To deter credit card theft and cyber-identity fraud, all incoming orders undergo automated transaction risk scoring through our integrated firewall. We reserve the absolute legal right to temporarily hold, flag, or completely cancel transactions exhibiting high-risk traits or unverified billing profiles. If your transaction is falsely flagged, our customer success desk will reach out via support@kovev.shop to complete manual validation.

6. Direct Billing Discrepancies & Chargebacks

If you observe a duplicate charge or billing error on your financial ledger, please contact us immediately before initiating an adversarial chargeback with your banking provider. We resolve valid administrative processing mistakes in a swift and amicable manner, saving you bank processing delays.