Payment Policy
Effective date: 5 July 2026
1. General
1.1. This Payment Policy governs payment for Digital Goods on https://olmoz.ru.
1.2. Seller and website operator: OM DIGITAL COMMERCE LIMITED, Company No. 80755134.
1.3. Available payment methods are displayed at checkout and may depend on country, currency, payment partner, order amount and anti-fraud assessment.
2. Payment Methods
2.1. The website may support bank cards, local payment methods, electronic payment services and other methods connected through payment partners.
2.2. Visa, Mastercard, MIR or other systems are available only if displayed at checkout.
2.3. Payment is processed on a secure payment partner page or through another secure payment interface.
3. Card Payments
3.1. For card payments, the user may be redirected to a bank or payment partner page.
3.2. Card data must be entered only on a secure payment partner page.
3.3. Payment may require 3-D Secure, one-time password, bank app confirmation or another authentication method.
3.4. The Operator never asks users to send full card numbers, CVC/CVV or confirmation codes by e-mail, phone, messenger or support chat.
4. Payment Security
4.1. Payments are processed by payment partners using secure channels and applicable security standards.
4.2. The Operator does not store full card numbers or CVC/CVV where payment is processed by a payment partner.
4.3. The user must use only their own payment instrument or one they are authorized to use.
5. Payment Confirmation
5.1. An order is processed after successful payment confirmation.
5.2. Payment confirmation may be sent by e-mail, shown in the account area or on the payment result page.
5.3. If funds were charged but the order is not displayed, the user must contact support@olmoz.ru with date, amount, e-mail and available payment identifier.
6. Anti-Fraud Check
6.1. All payments may be subject to automatic or manual anti-fraud checks.
6.2. Delay or refusal may be caused by region mismatch, suspicious activity, VPN/proxy use, multiple failed payment attempts, disputed payment history, card testing, sanctions restrictions or a request from a payment partner or bank.
6.3. The Operator may request additional confirmation or cancel the order.
7. Failed Payments
7.1. A payment may be declined by the bank, payment system, payment partner or anti-fraud system.
7.2. The Operator does not control the issuing bank’s authorization decision.
7.3. If funds were held but payment was not completed, release timing depends on the user’s bank.
8. Currency and Fees
8.1. The price is shown in the available checkout currency.
8.2. The user’s bank or payment service may apply fees, currency conversion or its own exchange rate. Such fees are not controlled by the Operator.
9. Refunds and Disputes
9.1. Refunds are handled under the Refund Policy.
9.2. The user must first contact support@olmoz.ru if there is an issue with an order.
9.3. An unjustified chargeback after receiving Digital Goods may result in service restriction and submission of delivery evidence to the payment partner.
10. Regional Payment Processing
10.1. For certain regional payment methods, payments may be processed through authorized regional payment entities or payment partners. This does not affect the digital goods supplied to the customer, the delivery process, customer support, refund review process or the obligations of OLMOZ under the applicable terms.
