1. Accepted Payment Methods

We accept payment options available at checkout. These may include major credit and debit cards.

• • approved international payment gateways;
  • other payment methods displayed during checkout.

We must receive full payment before we process or dispatch an order.

2. Currency

All prices on the Website are in United States Dollars (USD), unless stated otherwise.

Customers are responsible for any:

• • currency conversion charges;
  • international transaction fees;
  • bank or card processing costs;
  • charges applied by their payment provider.

3. Payment Processing and Security

Payments are handled through third-party payment providers and secure payment systems.

We do not store full card numbers, CVV details, or other sensitive payment authentication data on our servers. Exceptions apply only where required as part of a secure and lawful payment process managed by an authorised provider.

4. Order Review and Payment Verification

To protect customers and the Website, we may verify billing and shipping information. We may also review transactions for fraud prevention, request more information if needed, and delay, decline, or cancel suspicious, unauthorised, or non-compliant transactions.

Orders may be refused or cancelled where payment cannot be successfully authorised or where we reasonably believe there is a risk of fraud, misuse, or inaccurate transaction details.

5. Compliance and Transaction Monitoring

We reserve the right to monitor transactions for suspicious, unlawful, or prohibited activity and to take appropriate action where necessary.

If a transaction appears fraudulent, involves payment abuse, unlawful conduct, sanctions concerns, or other serious compliance issues, we may cancel the transaction. If required by law, we may also notify relevant authorities, payment processors, or financial institutions.

6. Chargebacks and Payment Disputes

If you believe there is an issue with a payment, you agree to contact us first so we can review and resolve the matter directly.

Improper, unauthorised, or bad-faith chargebacks may result in:

• • cancellation of the related order;
  • suspension of any customer account;
  • refusal of future orders;
  • recovery action in relation to associated fees or losses where permitted by law.

When responding to a chargeback or payment dispute, we may provide relevant details. These can include transaction records, order details, shipping confirmation, delivery info, and related communications to the necessary payment provider, card issuer, bank, or financial institution.

7. Pricing Errors

We aim to keep all pricing and listing information accurate. Errors may happen occasionally.

If a pricing, description, or typographical error affects an order, we reserve the right to:

• • Cancel the affected order.
  • refuse to process the order;
  • issue a refund for any payment received;
  • correct the error without prior notice.

8. Refund Processing

If a refund is approved, it will usually be returned to the original payment method. Processing times depend on the relevant payment provider.

Unless otherwise stated in our Terms and Conditions or Returns and Exchange Policy:

• • Shipping charges are non-refundable unless we determine otherwise.
  • Refunds are not automatically available once an order has been dispatched.
  • Where a genuine fulfilment issue is verified, the usual remedy will be replacement or reshipment rather than a refund.

9. Refused or Cancelled Transactions

We reserve the right to refuse or cancel any payment or order where:

• • payment authorisation fails;
  • transaction information is incomplete or inaccurate;
  • The order cannot be fulfilled.
  • The transaction appears suspicious or unlawful;
  • shipping, destination, or compliance concerns arise;
  • The order would breach our Terms and Conditions or other Website policies.

If you paid and we later cancel the order, we will refund you to the same payment method, if approved.

10. Contact Information

For payment-related enquiries, please contact:

PCT Pharmacy
Website: www.pctpharmacy.com
Email: info@pctpharmacy.com