This Payment Policy outlines the acceptable methods of payment, billing terms, and security measures used by Wellness Discovery (the "Company," "we," or "us") to process transactions on our website, wellness-discovery.com. Our commitment is to provide a secure and transparent payment process.

1. Accepted Payment Methods

We accept the following major payment methods for all purchases. All payment methods are clearly visible and selectable on our checkout page before the purchase is finalized.

We reserve the right to add or remove payment methods at our discretion, and we encourage you to check the checkout page for the most current options.

2. Currency and Pricing Transparency

A. Transaction Currency

All transactions, pricing, and payments on wellness-discovery.com are processed in United States Dollars (USD). Your bank or credit card company may apply a currency conversion rate if your account is based in a different currency.

B. Total Cost Disclosure (No Hidden Fees)

We adhere strictly to a policy of pricing transparency. The final amount you pay will include:

• The product price shown on the listing page.
• Applicable sales tax (calculated based on your shipping address).
• Applicable shipping/delivery fees (as defined in our Shipping Policy).

We guarantee that no unexpected or hidden charges will be added during the final checkout step. This includes:

• No separate Payment Processing Fees.
• No unauthorized Surcharges.
• No mandatory fees for services that are not clearly disclosed before purchase.

The total cost will be clearly displayed before you submit your payment.

3. Order Processing and Billing

A. Authorization and Capture

By submitting your payment information, you authorize Wellness Discovery or its third-party payment processor to charge the total order amount to your selected payment method. Funds are typically captured once your order has been processed and prepared for shipment.

B. Accurate Information

You agree to provide current, complete, and accurate purchase and account information for all transactions. Failure to provide accurate information may result in delayed processing or cancellation of your order.

C. Tax Policy

Sales tax is charged only on orders shipped to states where Wellness Discovery has a legal obligation to collect sales tax. The applicable tax rate will be calculated based on your shipping address and displayed at checkout.

4. Payment Security and PCI Compliance

The security of your financial information is our highest priority.

• SSL Encryption: Our entire site, particularly the checkout and payment pages, is secured using SSL (Secure Sockets Layer) encryption (HTTPS). This technology encrypts all data transmissions to protect your sensitive personal and financial details.
• PCI-DSS Compliance: We utilize third-party payment gateways that are certified as compliant with the Payment Card Industry Data Security Standard (PCI-DSS). We do not store sensitive customer payment details (such as full credit card numbers) on our servers. This data is handled directly by the PCI-compliant payment processor.
• Fraud Prevention: We utilize automated and manual fraud screening tools to ensure the integrity of all transactions and to protect our customers from unauthorized use of their payment instruments.