Payment Policy

Last Updated: April 2026

1. Secure Payment Processing

Your payment information is processed through Flutterwave, a PCI-DSS compliant payment gateway. All transactions are encrypted using industry-standard SSL/TLS protocols. NORDLUXE never stores complete card information on our servers.

2. Accepted Payment Methods

• Credit & Debit Cards: Visa, Mastercard, and other major card issuers
• Digital Wallets: Apple Pay, Google Pay (where available)
• Bank Transfers: Direct bank transfers for orders over ₦1,000,000
• Mobile Money: MTN Mobile Money, Airtel Money (West Africa)

3. Billing Information

When placing an order, you must provide accurate billing information. NORDLUXE may verify your identity and billing details to prevent fraud and ensure order security.

4. Preorder Payment Structure

For preorder items:

• Deposit (40%): Charged immediately at checkout
• Remaining Balance (60%): Due when your piece is ready for delivery
• You will receive an invoice for the remaining balance with detailed payment instructions
• Deposits are non-refundable but can be transferred to another piece or credit store account

5. Currency & Conversion

All prices are displayed in Nigerian Naira (₦). If you're paying from outside Nigeria, your card issuer's exchange rate will apply at the time of transaction. International transaction fees may apply depending on your financial institution.

6. Transaction Receipts

All successful payments generate an immediate email receipt with:

• Transaction ID and payment reference
• Amount paid and payment method
• Order details and item breakdown
• Link to your order tracking page

7. Failed Payments

If your payment fails, you will receive a notification with the reason. Common causes include insufficient funds, incorrect card details, or payment gateway issues. You can retry payment immediately without losing your cart contents.

8. Payment Security & Fraud Protection

NORDLUXE employs multiple security measures:

• 3D Secure (3DS) verification for additional card security
• Real-time fraud detection systems
• PCI-DSS Level 1 compliance (highest standard)
• Encryption of all sensitive data in transit and at rest
• Regular security audits and penetration testing

9. Refunds & Disputes

Refunds are processed according to our Refund Policy. For payment disputes or discrepancies:

• Contact our support team within 14 days of the transaction
• Provide transaction ID and order number
• We will investigate and respond within 5 business days
• Legitimate disputes are resolved within 30 days

10. Chargebacks

If you dispute a charge with your bank (chargeback), you authorize NORDLUXE to share relevant transaction information with your financial institution for investigation. Fraud-related chargebacks may result in account suspension.

11. Tax & Duties

Prices shown include applicable VAT where required by law. For international orders, import duties and taxes are the responsibility of the buyer and may be collected by customs authorities upon delivery.

12. Payment Plan Changes

We do not offer partial refunds or payment plan modifications after checkout. If you need to adjust your purchase, please contact our support team to discuss options.

13. Contact & Support

For payment-related questions or issues:

• Email: support@nordluxe.com
• WhatsApp: +234 701 7298 740
• Available Monday - Friday, 9 AM - 6 PM (WAT)