# Payment Policy Accepted payment methods, payment processing procedures and related terms. --- ## 1. Accepted payment methods CEMOTO currently accepts: | Method | Notes | | --- | --- | | **Major credit and debit cards** | Visa, MasterCard, American Express, Discover | | **PayPal** | — | | **Shop Pay** | — | | **Wire transfer / bank transfer** | For approved orders and high-value orders | Available payment methods may **vary depending on your location, order value and risk assessment**. The main FAQ additionally references **Apple Pay** and **Google Pay** for faster checkout, and lists optional BNPL providers such as Affirm where offered. All card payments are processed securely through an **encrypted checkout**. Industry-standard **SSL encryption** is used and strict **PCI compliance** standards are followed. **Full payment details are never stored on CEMOTO servers.** --- ## 2. Payment authorization By submitting your payment information at checkout, you **authorize CEMOTO to charge the applicable amount**, including taxes, shipping fees and any additional charges clearly disclosed before purchase. For card payments, a **temporary authorization hold** may be placed on your account prior to final settlement. --- ## 3. Order confirmation and processing - Orders are **not considered complete** until payment is successfully processed and an **order confirmation email** is issued. - CEMOTO reserves the right to **verify payment information** before shipping any order. - In cases of suspected fraud, incomplete information or abnormal transactions, the order may be **delayed or canceled**. --- ## 4. Failed, declined or canceled payments - If a payment is declined, interrupted or reversed, the related order **will not be processed**. - CEMOTO is **not responsible** for any bank fees, currency conversion charges or penalties resulting from failed transactions. - **Unpaid orders may be automatically canceled** after a reasonable holding period. --- ## 5. Wire transfer / bank transfer terms - Wire or bank transfer payments are available for **approved customers and high-value orders**. - Detailed payment instructions will be provided **after order confirmation**. - Orders paid via bank transfer will be processed **only after cleared funds are received**. - **Any bank handling fees are the responsibility of the customer.** --- ## 6. Currency, taxes and pricing - All prices displayed on the website are in **U.S. Dollars (USD)** unless otherwise stated. - Applicable taxes, duties and fees will be **calculated and displayed at checkout** where required. - CEMOTO is **not responsible** for additional charges imposed by banks or payment providers. --- ## 7. Installments and third-party payment services If installment or deferred payment options are offered through third-party providers, such services are governed by **their own terms and policies**. CEMOTO is not responsible for disputes arising from third-party payment agreements. --- ## 8. Fraud prevention and security - CEMOTO implements **automated and manual fraud prevention systems** to protect customers and the business. - CEMOTO reserves the right to **request additional verification** for suspicious transactions. - Orders identified as **high risk may be canceled without prior notice**. --- ## 9. Refunds and chargebacks - Approved refunds will be issued to the **original payment method** used. - Chargebacks and payment disputes are handled in accordance with the **Refund Policy** and **Terms of Service**. - **Abusive or fraudulent chargeback activity may result in account restrictions.** Refunds are typically processed within **10 business days** after the returned item is received and inspected. If you have not received your refund after 15 business days, contact support@cemotoride.com. --- ## 10. Policy updates CEMOTO reserves the right to **modify this Payment Policy at any time without prior notice**. The latest version published on the website shall apply to all transactions. --- ## 11. Contact information For payment-related questions: **Email:** support@cemotoride.com --- ## Related pages - [Returns & Refunds](https://help.cemotoride.com/link/387) - [Shipping Policy](https://help.cemotoride.com/link/388) - [Privacy & Data](https://help.cemotoride.com/link/386)