Payment Methods and Security

The MonteRubik.me online store offers online payment by payment card, payment in the store, payment upon collection and payment by bank transfer.

The availability of a particular payment method depends on the selected delivery or order collection method.

All prices on the website are displayed in euros (EUR) and include VAT. The final order amount, including delivery costs, is displayed in the shopping cart before the order is confirmed.

Online payment by payment card

Products in our online store can be paid for using one of the following methods: VISA, Maestro or MasterCard payment cards that support online payments. Card payments are processed in cooperation with AllSecure d.o.o. and Hipotekarna banka AD Podgorica and are carried out securely and in a certified manner through the AllSecure Payment Gateway, by simply entering the payment card details.

After the card details are entered and the payment is confirmed, the bank authorizes the transaction. If the transaction is successfully approved, the transaction amount is charged to the cardholder's card and the order enters the further process of processing and preparation for delivery.

If the transaction is not successfully approved, the order is not considered paid and the customer may retry the payment or select another available payment method.

Please check with the bank that issued your card whether your card supports online payments.

Online payment security

When entering payment card details, confidential information is transmitted over a public network in a protected (encrypted) form using the SSL protocol, applying the most advanced methods of tokenization of sensitive data, and in accordance with PCI-DSS standards. At no time are the payment card details available to the merchant.

3D Secure protection for all merchants and customers - AllSecure Payment Gateway uses the highest global standards of data protection and privacy. All merchants using AllSecure Payment Gateway are automatically included in 3D-Secure protection, thereby ensuring secure shopping for customers. Customers' payment card numbers are not stored on the merchant's system, and the data entry itself is protected by SSL encryption.

PCI DSS Standards - AllSecure Payment Gateway continuously complies with all requirements of card organizations in order to increase the level of security for merchants and customers. Since 2005, without interruption, the system has been certified as PCI-DSS Level 1, which represents the highest standard in the industry. The PCI Data Security Standard (PCI-DSS) defines the necessary security measures for processing, storing and transmitting sensitive payment card data. PCI standards protect sensitive cardholder data throughout the entire payment process: from the moment the data is entered at the merchant's point of sale, during communication between the merchant and the relevant banks and card organizations, as well as during the subsequent storage of such data.

Payment currency and conversion

“Currency Conversion Statement - All payments will be made in euros (€). If payment is made using payment cards issued by foreign banks, the transaction amount will be converted into the cardholder's local currency according to the exchange rate of Visa/Mastercard card organizations.”

Due to the exchange rate applied by the card-issuing bank or card organization, the final amount charged in the currency of the cardholder's account may differ from the order amount displayed in euros.

Payment confirmation

After a successful online payment, a confirmation containing the basic transaction details is displayed on the website. The confirmation is also sent to the email address provided by the customer when placing the order.

If the bank declines the transaction or the payment is not completed, the order is not considered paid. The customer may retry the payment or select another available payment method.

Refunds for card payments

In the event of a refund to a customer who previously paid using a payment card, whether partially or in full and regardless of the reason for the refund, the refund is made exclusively to the same VISA, Maestro or MasterCard card that was used for the payment. This means that our bank will, at our request, refund the funds to the cardholder's account.

A refund in cash or by transfer to another bank account, instead of refunding the card used for payment, is not possible.

Payment in the store

When collecting an order from the MonteRubik.me store, at Svetozara Markovića 33, Podgorica, the order can be paid for:

• in cash;
• by Mastercard or Visa payment card via a POS terminal.

An online order can be collected from the store after the customer receives confirmation that the order is ready for collection.

Payment upon delivery

For orders with delivery, payment upon receipt, i.e. cash on delivery, can be selected.

This payment method is available for all offered delivery methods, except delivery to parcel lockers.

Payment is made upon handover of the shipment, in accordance with the terms of the selected delivery service.

Payment upon collection from a parcel locker

When delivery to a parcel locker and payment upon collection are selected, the order can be paid for exclusively by payment card when collecting the shipment from the parcel locker.

Cash payment when collecting an order from a parcel locker is not available.

Payment by bank transfer

An order can be paid by bank transfer to the business account of OSNOVNA STVAR d.o.o. Tivat.

After this payment method is selected, the customer is provided with the company's bank account details and the information that must be stated in the payment purpose/reference.

When paying by bank transfer, the goods are handed over to the customer or shipped only after the full order amount has been credited to the company's business account.

A payment order, bank confirmation or screenshot alone does not constitute confirmation that the funds have been credited to the company's account.

Selection of payment method

The payment methods available for a particular order are displayed during the ordering process. Certain payment methods may be unavailable depending on the selected delivery or collection method.

Before confirming the order, the customer can review the contents of the order, product prices, delivery costs and the final amount payable.

Contact

For questions regarding payment for your order, you can contact the store:

Phone: +382 69 789 039
Email: info@monterubik.me