Payment Policy

Payment Policy

Company Name: Malkatech OU
Website: https://malkatech.shop
Phone: +372 515 9177
Email: [email protected]
Address: Moisavahe tn 25, 50707 Tartu, Estonia

1. Overview

This Payment Policy outlines the terms and conditions related to all payments made on the Malkatech OU website.
By purchasing from our website or using our heating and ventilation services, you agree to the payment guidelines described below.

2. Accepted Payment Methods

Malkatech OU supports the following payment methods:

  • Credit and Debit Cards (Visa, MasterCard, Maestro, etc.)
  • Bank Transfer / SEPA Payment
  • Online Payment Gateways (if available)
  • Invoice Payments for B2B customers

All payments must be completed before order processing begins, unless specifically agreed otherwise for business clients.

3. Currency

All prices on our website are listed in EUR (€).
Your bank or payment provider may apply conversion fees if your account uses another currency.

4. Payment Processing

  • Orders are processed only after successful payment authorization.
  • If a payment fails, the order will not be confirmed.
  • We reserve the right to verify payment details to prevent fraud or unauthorized transactions.

5. Invoices

All customers receive an automatic invoice by email once the payment is completed.
B2B clients may request a custom invoice or proforma invoice before payment.

6. Taxes and Additional Fees

  • All applicable VAT charges are included or shown during checkout.
  • International customers are responsible for customs duties or import taxes (if applicable).
  • Bank transfer fees must be covered by the customer.

7. Payment Security

We use secure, encrypted payment systems and do not store your card details.
All transactions are processed through trusted and compliant payment providers to ensure maximum fraud protection.

8. Fraud Prevention

For security reasons, we may request identity verification, billing confirmation, or additional information for suspicious transactions.
Orders may be cancelled or delayed if fraud is suspected.

9. Failed or Rejected Payments

  • If a payment is rejected, the order will not be processed.
  • You may attempt payment again using a different method.
  • Repeated failed attempts may trigger temporary security restrictions.

10. Cancellations & Refunds

Refunds for cancelled or returned orders follow our Refund and Returns Policy.
Refunds are always issued to the original payment method.

11. Partial Payments and Prepayments

For large installations or custom heating systems, we may require:

  • A prepayment or deposit
  • Partial payments according to project stages

Deposit terms will be specified in your invoice and must be honored before project initiation.

12. Payment Disputes

Customers must contact us directly before initiating chargebacks or disputes with their bank.
Unfounded chargebacks may result in suspension of services or legal collection procedures.

13. Contact Information

For any questions related to payments, invoices, or billing, please contact us:

Malkatech OU
Moisavahe tn 25, 50707 Tartu, Estonia
Phone: +372 515 9177
Email: [email protected]