Payment Methods Policy

Effective Date: 25 October 2025
Last Updated: 25 October 2025

At Molvery, operated by STEPARIS LTD, we make online payments simple, secure, and transparent. This Policy explains the available payment methods, security measures, possible reasons for payment failure, and what to do if your payment does not go through. Molvery is responsible for all payment processing and related inquiries, even if the delivery of products is handled by a partner company.

Company Name: STEPARIS LTD
Company Number: 16799038
Registered Office: International House, 36-38 Cornhill, London, United Kingdom, EC3V 3NG
Email: support@molvery.com

 

  1. Role of Molvery in Payment Processing

Molvery is solely responsible for accepting and processing all payments from customers on the platform. All issues related to payments, refunds, chargebacks, or payment disputes are handled exclusively by Molvery, regardless of which partner company stores or delivers the products.

 

  1. Accepted Payment Methods

Currently, we accept the following card payments:

  • Visa – debit and credit cards
  • Mastercard – debit and credit cards

All payments are processed in a secure, encrypted environment through trusted UK payment gateways. Card details are never stored on Molvery’s servers.

Molvery partners with certified payment processors to ensure compliance with UK payment regulations. The delivery partner does not have access to any payment information and is not responsible for processing payments.

 

  1. Payment Security

Every transaction on Molvery is protected using:

  • SSL encryption– ensures secure data transmission
  • 3D Secure (Verified by Visa / Mastercard SecureCode)– an extra authentication step for your protection
  • UK PSD2 & Strong Customer Authentication (SCA) Compliance– required by UK law

If you are asked to verify your payment via your bank’s app, SMS, or online banking, this is part of standard Strong Customer Authentication (SCA).

 

  1. Currency and Charges
  • All prices on Molvery are displayed in EUR, unless otherwise stated.
  • Your bank may apply currency conversion fees if your card is issued in a different currency.
  • We do not charge hidden fees; the total price is always visible before confirming your order.

 

  1. Why Your Payment Might Not Go Through

Payments may fail for various reasons. Common causes and solutions include:

  1. Insufficient Funds
    • Your account may not have enough balance or credit.
    • Solution:Check your balance or use another card.
  2. Incorrect Card Details
    • Errors in card number, expiry date, CVV, or billing address.
    • Solution:Verify details and ensure your billing address matches your bank records.
  3. 3D Secure Verification Failed
    • Your bank may require an extra verification step.
    • Solution:Complete the SCA verification via SMS or banking app.
  4. Bank or Card Restrictions
    • Some banks block online or international transactions by default.
    • Solution:Contact your bank to enable online/international payments.
  5. Expired or Blocked Card
    • Your card has expired or been blocked.
    • Solution:Use a valid card or request a new one from your bank.
  6. Technical or Network Errors
    • Temporary failures caused by high traffic, maintenance, or network timeout.
    • Solution:Wait and try again, or contact our support team.

 

  1. Payment Confirmation and Refunds
  • Once your payment is successful, you will receive an order confirmation email with payment reference and order number.
  • Molvery handles all refund requests, including returns, cancellations, or disputes, even if the product is delivered by a third-party partner.
  • Refunds are issued using the original payment method, unless otherwise agreed. Bank processing times may vary.

 

  1. Support with Payments

If you experience difficulties completing a payment, Molvery’s support team will assist you.

Contact Us:

  • Email:support@molvery.com
  • Address:STEPARIS LTD, International House, 36-38 Cornhill, London, United Kingdom, EC3V 3NG

 

  1. Quick Summary
  • Molvery accepts Visa and Mastercard debit and credit cards.
  • Payments are fully secure and encrypted.
  • Payment failures are usually due to bank restrictions, verification issues, or incorrect details and can be resolved quickly.
  • Molvery is the sole point of contact for all payment processing, refunds, and disputes, regardless of which company handles delivery.