---
title: Payment Policy
description: "At Qonooz, we offer secure and convenient payment options. By placing an order, you agree to the following payment terms. ### **1. Accepted Payment Methods** We accept the following payment methods: - Credit / Debit Cards (Visa, Mastercard, etc.) -…"
url: "https://qonooz.com/knowledgebase/payment-policy/"
updated: "2026-03-30"
category: "Sale & Use Facts"
---

# Payment Policy

At Qonooz, we offer secure and convenient payment options. By placing an order, you agree to the following payment terms.

### **1. Accepted Payment Methods**

We accept the following payment methods:

- Credit / Debit Cards (Visa, Mastercard, etc.)
- Apple Pay / Google Pay (where available)
- Buy Now, Pay Later (BNPL) services such as Tabby and Tamara
- Any other methods displayed at checkout

All payments must be completed through our official checkout system.

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### **2. Payment Authorization & Capture**

- Some payments may be **authorized first and captured later**.
- Orders are only confirmed once payment is successfully **authorized or captured**.
- We reserve the right to delay capture until order verification or processing is completed.

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### **3. Payment Verification & Fraud Prevention**

For security purposes, we may:

- Request additional verification (ID, confirmation details, etc.)
- Contact you before processing the order
- Delay or cancel orders flagged as high-risk

We reserve the right to:

- Refuse or cancel any order suspected of fraud or misuse
- Hold orders until verification is completed

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### **4. Failed or Declined Payments**

If payment fails or is declined:

- The order will not be processed
- The customer must retry payment or use an alternative method

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### **5. Pricing & Currency**

- All prices are listed in AED (UAE Dirhams)
- Prices are subject to change without prior notice
- Applicable VAT is included unless otherwise stated

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### **6. Buy Now, Pay Later (BNPL)**

- BNPL services (e.g., Tabby, Tamara) are subject to provider approval
- Any fees, terms, or payment schedules are governed by the BNPL provider
- Qonooz is not responsible for BNPL decisions or penalties

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### **7. Refund Method**

- Refunds are issued **only to the original payment method**
- BNPL refunds will follow the provider’s process and timeline
- Processing time: typically **5–7 working days**, depending on the bank/payment provider

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### **8. Payment Fees & Non-Recoverable Charges**

In case of cancellation or refund:

- Non-recoverable payment processing fees may be deducted where applicable
- This applies especially to third-party payment providers

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### **9. Chargebacks & Payment Disputes**

- Customers must contact Qonooz first before initiating a chargeback
- Unauthorized chargebacks may result in:
  - Account restriction or blacklist
  - Refusal of future orders
- We reserve the right to dispute any chargeback with supporting evidence

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### **10. Order Ownership & Payment Responsibility**

- The person completing the payment is considered the authorized buyer
- We are not responsible for unauthorized use of payment methods