Payment Policy

Effective Date: 22 December 2025

This Payment, Authorization, Refund and Chargeback Policy (the “Policy”) governs all payment transactions conducted through VALTERRE, a proprietary brand owned and operated by NEXTRIX TECHNOLOGIES PRIVATE LIMITED (the “Company,” “we,” “us,” or “our”).

This Policy applies to all purchases made by customers located internationally, including customers in the United States and Canada, using card-based payment methods processed through the Company’s authorized merchant acquiring infrastructure.

By submitting payment through this website, the customer acknowledges and agrees to this Policy.

1. AUTHORIZED PAYMENT PROCESSING INFRASTRUCTURE

All card payments are securely processed through the Company’s approved acquiring relationship with Bank Alfalah Limited, utilizing Mastercard Payment Gateway Services (MPGS) and associated regulated payment processing infrastructure.

The Company does not directly store, process, or retain full cardholder payment credentials.

Payment processing is conducted through encrypted payment infrastructure in accordance with applicable card-network, acquiring-bank, and payment-security standards.

2. ACCEPTED PAYMENT METHODS

The Company accepts eligible internationally enabled payment cards supported by the acquiring processor, subject to:

  • successful authorization by issuing bank;
  • fraud-prevention screening;
  • 3D Secure authentication where applicable;
  • card network compliance validation.

The Company reserves the right to restrict or decline any payment instrument for operational, compliance, fraud-prevention, or acquiring-bank risk-management reasons.

3. MANDATORY 3D SECURE AUTHENTICATION

For enhanced customer security and fraud prevention, the Company accepts only authenticated 3D Secure-enabled card transactions.

Cards not enrolled in, incapable of completing, or failing 3D Secure authentication—including non-3D-secure (“2D”) cards—shall be automatically declined or rejected.

The Company bears no responsibility for inability of customer’s issuing bank or card provider to support mandatory authentication requirements.

Customers are solely responsible for ensuring their payment instrument supports 3D Secure authentication prior to purchase attempt.

4. PAYMENT AUTHORIZATION AND VERIFICATION

Submission of payment constitutes authorization for the Company and its payment-processing partners to obtain transaction authorization from the issuing financial institution.

Transactions remain subject to:

  • issuer approval;
  • fraud review;
  • address and risk verification where available;
  • geolocation consistency review;
  • operational compliance checks;
  • merchant-acquirer monitoring protocols.

The Company may delay, suspend, manually review, or cancel any transaction presenting elevated risk indicators.

5. TRANSACTION DECLINES

A declined transaction may result from:

  • failed 3D Secure authentication;
  • issuing-bank restrictions;
  • insufficient available funds;
  • unsupported international transaction capability;
  • card security restrictions;
  • suspected fraud indicators;
  • processor-level risk screening.

The Company shall not be liable for issuer-imposed restrictions or customer-bank payment limitations.

Customers should contact their issuing bank for decline clarification where necessary.

6. ORDER CONFIRMATION AND PAYMENT COMPLETION

Successful authorization does not independently constitute final order acceptance.

Orders remain subject to product availability, compliance review, fraud validation, and operational verification.

The Company reserves sole discretion to cancel authorized transactions prior to fulfillment and issue corresponding reversal or refund where required.

7. REFUNDS AND REVERSALS

Refund eligibility shall remain governed jointly by this Policy and the Company’s published Refund Policy.

Approved refunds shall be returned solely to the original payment instrument used for purchase.

Refund processing timelines typically range from 10 to 21 business days, subject to issuing-bank settlement cycles and processor clearance procedures.

The Company bears no liability for delays attributable to:

  • acquiring-bank settlement timing;
  • issuer-bank posting delays;
  • intermediary processing latency;
  • regulatory payment review.

Partial or full payment reversals may be issued where:

  • order cancellation occurs before dispatch;
  • verified product defect exists;
  • operational fulfillment failure is confirmed;
  • legal compliance requires reversal.

Refund approval remains subject to factual verification and Company review.

8. CUSTOMER PAYMENT DISPUTES

Customers agree to first seek direct resolution with the Company before initiating formal financial dispute proceedings with issuing banks or card networks.

Customers may submit payment concerns through:

support@valterre.com

The Company shall investigate and respond promptly in good faith.

Commercial remedies may include:

  • clarification of transaction record;
  • fulfillment evidence provision;
  • replacement authorization;
  • store credit;
  • approved refund where justified.

 

9. CHARGEBACK DEFENSE AND REPRESENTMENT

Where chargeback proceedings are initiated, the Company reserves full right to formally contest materially inaccurate, fraudulent, abusive, or unsupported reversal claims through submission of evidence including but not limited to:

  • authenticated payment authorization records;
  • 3D Secure verification evidence;
  • transaction authentication logs;
  • order confirmation records;
  • delivery confirmation and carrier tracking records;
  • customer communications;
  • refund-policy acceptance evidence;
  • website terms acceptance logs;
  • product dispatch documentation.

The Company shall fully cooperate with acquiring institutions in representment and dispute adjudication procedures.

10. FRAUDULENT PAYMENT ACTIVITY

The Company reserves the right to cancel, suspend, reverse, report, or permanently restrict transactions where fraudulent, abusive, deceptive, unauthorized, or suspicious conduct is reasonably suspected.

Such matters may be referred to:

  • acquiring bank compliance teams;
  • card-network dispute authorities;
  • relevant financial institutions;
  • lawful regulatory or enforcement authorities where legally required.

11. CURRENCY AND SETTLEMENT

Transactions shall be processed in the currency displayed at checkout.

Foreign exchange conversion, issuer-side conversion charges, or international transaction fees imposed by customer’s financial institution remain solely customer responsibility.

The Company bears no liability for external financial institution conversion practices.

12. LIMITATION OF LIABILITY

To the fullest extent permitted by law, the Company’s aggregate liability arising from payment-processing disputes shall not exceed the original transaction amount successfully received by the Company.

The Company shall not be liable for indirect, incidental, consequential, reputational, or banking-related losses arising from customer financial institution restrictions or payment-network decisions.

13. POLICY MODIFICATION

The Company reserves the right to amend this Policy at any time without prior notice.

Updated versions shall become effective immediately upon publication unless otherwise required by applicable law.

14. CONTACT INFORMATION

VALTERRE
A brand owned and operated by NEXTRIX TECHNOLOGIES PRIVATE LIMITED
Email: support@valterre.com
Legal and Compliance: legal@valterre.com