Payment & Security Policy

1. Overview

At Embio Diagnostics, your online payment security is our top priority.

This Payment & Security Policy explains how payments are handled, what protections you have, and how we safeguard your data.

2. Accepted Payment Methods

We currently accept the following payment methods:

• Credit / Debit Cards (Visa, MasterCard, Maestro, American Express)
• Bank Transfer (for approved orders or business customers)
• Other secure payment methods as listed during checkout

All prices on our website are displayed in EUR (€) and include Value Added Tax (VAT) where applicable.

3. Secure Payment Processing

Payments on our website are processed by certified third-party payment providers using encrypted connections (SSL/TLS).

These providers comply with:

• PCI-DSS (Payment Card Industry Data Security Standard)
• PSD2 (EU Payment Services Directive)
• Strong Customer Authentication (SCA) requirements

This means your card details are never stored or processed directly by Embio Diagnostics.

Your sensitive payment information (such as card numbers or CVV codes) is fully encrypted and inaccessible to us.

4. 3D Secure & Fraud Prevention

To protect against unauthorized transactions, we use 3D Secure (Visa Secure / Mastercard Identity Check) and other fraud-prevention tools.

During checkout, your card issuer may request an extra verification step (such as a password, SMS code, or biometric authentication).

Our systems also monitor orders for unusual activity to help prevent fraud.

5. Order Confirmation

Once your payment is successfully processed:

• You will receive an order confirmation email within minutes, and
• Your order will enter the processing and fulfillment queue

If your payment cannot be verified or authorized, we reserve the right to cancel or suspend your order until verification is complete.

6. Bank Transfers

• If you choose to pay by bank transfer, your order will be processed only after full payment is received and confirmed.
• Payment instructions will be provided at checkout or by email.
• Please include your order number in the payment reference to avoid delays.
• Bank transfer fees (if any) are the responsibility of the buyer.

7. Payment Security Technologies

Our website uses several layers of protection to ensure safe transactions:

• SSL/TLS encryption: All data exchanged between your browser and our servers is encrypted.
• Secure checkout: Hosted payment forms and redirect systems ensure card data never touches our servers.
• Regular security audits: We maintain strong data protection practices under GDPR and EU cybersecurity standards.
• PCI-DSS compliance: All payment providers used by us are certified and audited under PCI DSS Level 1.

8. Currency & Taxes

• All transactions are processed in Euro (EUR).
• If your card is issued in another currency, your bank may apply currency conversion rates or fees.
• All product prices include Cyprus VAT (where applicable).
• For non-EU customers, local customs duties or import taxes may apply — see our Shipping & Delivery Policy.

9. Failed or Declined Payments

If a payment fails or is declined:

• Please double-check your card details and available balance.
• Try an alternative payment method.
• If the issue persists, contact your bank or our support team at contact@airbeld.com.

We reserve the right to cancel any order where payment authorization is not obtained.

10. Refunds & Chargebacks

• Refunds are handled under our Refund & Return Policy.
• Once approved, refunds will be issued to the same payment method used for the original purchase.
• If you believe a payment has been made in error or without authorization, please contact us immediately.

Fraudulent chargeback claims will be investigated and may be subject to legal action.

11. Protection of Personal Data

All personal and payment information collected during checkout is processed in accordance with our Privacy Policy and GDPR requirements.

We never share, sell, or rent your personal or financial details to third parties.

For more information, see: Privacy Policy

12. Contact Us

If you have questions about payments, billing, or security, please contact:

• SK Embio Diagnostics Ltd
• 8B Athalassas, 2018, Nicosia, Cyprus
• Email: contact@airbeld.com