Payment methods

The payment of products on our Internet Store can be done in one of the following ways:

  • By General Payment / e-banking: The buyer can pay the order with a general payment slip in any post office or bank, as well as through his/her e-banking account. Payment is made directly to ISKON mode.
  • Payment cards – VISA, Maestro or MasterCard that support payment via the Internet. Card payment is realized in cooperation with All Secure doo and UniCredit Bank Belgrade and is performed in a secure and certified manner through All Secure Paymet Gateway, by simply entering payment card information.

After the card information is entered and the payment is confirmed, the bank authorizes the transaction and the order is approved and enters the process for delivery. The price amount will be reserved on your card (account) and will not be available to you for any other purpose.

The transfer will be completed and the amount withdrawn from your account only when the products are ready for transport and handed over to the courier service. In case the payment is not completed or the amount is not withdrawn from the account until the expiration of 14 days from the acceptance of your order, that order will be canceled and deleted. After the expiration of 14 days, the money reserved in your account is released and will be available to you again. After that, you can repeat the same or make a new order and make payment s related to them.

Check with the bank issuing the card whether your card supports payment via the Internet.

 

Data protection when paying with credit cards

When entering payment card information, confidential information is transmitted over the public network in a secure (encrypted) form using the SSL protocol, using the latest methods for tekonization of sensitive data, and in accordance with PCI-DSS standards. The security of the data during the purchase is guaranteed by the processor of payment cards UniCredit Bank Beograd. No information about the payment card is available to the seller at any moment.

3D Secure Protection for All Merchants and Customers – All Secure Payment Gateway uses the highest global standards of data protection and data privacy. All merchants who use All Secure Payment Gateway are automatically included in 3D-Secure protection, thus guaranteeing customers the security duringthe purchase. Customer payment card numbers are not stored on the merchant system, and their entry is protected by SSL data encryption.

PCI DSS Standards – All Secure Payment Gateway is consistently compliant with all the requirements of card organizations in order to increase the level of security of sellers and customers. From 2005 to the present, without interruption, the system has been certified as PCI-DSS Level 1, which is the highest standard in the industry. PCI Data Security Standard (PCI-DSS) is a standard that defines the necessary security measures for processing, storing and transmitting sensitive data. PCI Standards protect sensitive cardholder data during the entire payment process: from the moment the data is entered at the seller’s website, during communications between the seller and relevant banks and credit card organizations, and the subsequent storage of such data.

 

Terms of conversion when paying by payment card

All payments will be made in the local currency of the Republic of Serbia – RSD. For the informative presentation of prices in other currencies, the exchange rate of the National Bank of Serbia is used. The amount for which your card will be debited will be expressed in your local currency through a conversion to your currency at the rate used by card organizations, which cannot be known to us at the time of the transaction. As a result of this conversion, there may be a slight difference from the original price listed on our site and the amount you are billed. Thank you for your understanding.

 

Payment method registration

When the customer card information, at his/her request or by the dealer’s decision, is tokenized (deposited in a certified manner for later use), this data is stored on AllSecure PCI-DSS level 1 certified servers. Thus, tokenized card data is transferred in a completely safe and certified manner. The merchant has, at no time, the access to the card number and other sensitive information, but gets a reference number (token) that can only be used by the seller in accordance with the terms agreed by the buyer. The buyer has the option of de-registration of the previously registered card, as well as changing the details of the earlier tokenized card.

 

Refund

In the case of a refund, the customer who has previously paid by a card, partly or in whole, regardless of the reason for the return, will be refunded exclusively through the same VISA, Maestro or MasterCard card used for the payment. This means that our bank will make a refund to the buyer’s account.