Payment Policy

1. Accepted Payment Methods
We accept the following major credit cards and secure third-party payment methods to ensure a convenient and safe shopping experience:

Credit Cards: Visa, Mastercard

2. Payment Security
Your transaction security is our top priority. We protect your payment information through the following measures:

SSL Encryption: Our website uses SSL (Secure Socket Layer) encryption technology to ensure that your personal information and payment data are protected from unauthorized access during transmission.

PCI DSS Compliance: Our payment processing complies with the PCI DSS (Payment Card Industry Data Security Standard) requirements, a stringent security standard set by major credit card companies like Visa and Mastercard.

Fraud Prevention: We employ advanced fraud monitoring systems and may use additional measures such as 3D Secure Authentication (like Visa Secure and Mastercard Identity Check) and Address Verification System (AVS) to further prevent fraudulent transactions.

3. Payment Process & Currency

All transactions will be settled in US Dollars (USD).

We will only begin processing your order after your payment has been successfully authorized.

If payment authorization fails, your order will not be shipped.

4. Refunds & Disputes

All refunds will be credited back to your original method of payment.

Please refer to our Refund Policy for refund processing times.

We are committed to treating every customer fairly. If you have any questions or issues regarding a transaction, please first contact us at [Your Customer Service Email]. We hope to have the opportunity to resolve any issues for you before you contact your card issuer to initiate a dispute (chargeback). Please note that a Refund is initiated voluntarily by the merchant, while a Dispute (Chargeback) is initiated by the cardholder through their bank; the latter may incur additional fees and negatively impact merchant standing.

5. Contact Us
If you have any questions about payment methods or transactions, please contact us via:

Email: info@lumosy.shop

Phone: +1 323-440-3448

Business Hours: Monday to Friday, 9:00 AM to 5:00 PM (GMT-05:00) Eastern Standard Time (New York)