Payment Policy

Effective Date: 30 April 2026

Welcome to WellMed. This Payment Policy explains the accepted payment methods, payment terms, verification procedures, refunds related to payments, and customer responsibilities when purchasing through our website, mobile application, or official sales channels.

By placing an order with WellMed, you agree to this Payment Policy.

1. Accepted Payment Methods

WellMed may accept one or more of the following payment options depending on product, order value, and location:

Cash on Delivery (COD)
bKash
Nagad
Rocket
Credit Card
Debit Card
Bank Transfer
Secure Online Payment Gateway
Store Credit / Voucher (where approved)

Available methods may change without prior notice.

2. Cash on Delivery (COD)

COD may be available on eligible orders only.

COD availability may depend on:

Delivery location
Order amount
Product category
Courier serviceability
Previous order history
Risk review or verification result

WellMed reserves the right to limit or decline COD on certain orders.

3. Advance Payment Requirement

Some orders may require full or partial advance payment before dispatch, including:

High-value products
Imported or special-order items
Bulk quantity orders
Customized orders
Remote delivery locations
Orders with repeated failed COD history
Risk-flagged transactions

Advance payment requests are made for operational security and efficient processing.

4. Online Payments

Online payments may be processed through trusted third-party payment providers.

WellMed does not store full debit or credit card details. Payment security, OTP, authentication, or authorization processes may be managed by the payment provider or issuing bank.

Customers are responsible for entering correct payment information.

5. Payment Verification

For fraud prevention and order security, WellMed may verify payments or customer details before shipment.

Verification may include:

Phone confirmation
Address confirmation
Identity confirmation in exceptional cases
Transaction reference review
Duplicate payment check

Failure to complete verification may delay or cancel the order.

6. Pricing Accuracy

We aim to keep all prices accurate and updated. However, errors may occasionally occur.

WellMed reserves the right to:

Correct pricing errors
Cancel incorrectly priced orders
Contact customers before processing
Update promotional prices without notice

Orders confirmed at one price do not guarantee future pricing.

7. Taxes, Charges & Fees

Displayed prices may include or exclude applicable taxes, VAT, delivery charges, handling fees, or payment gateway charges depending on listing structure.

Any applicable charges will be shown during checkout or order confirmation where possible.

8. Order Confirmation

Payment does not always mean automatic order acceptance.

Orders may still be reviewed, delayed, modified, or cancelled due to:

Stock shortage
Payment mismatch
Fraud concerns
Delivery limitations
Product restrictions
Technical error

If payment was successfully received for a cancelled eligible order, refund procedures will apply.

9. Failed or Pending Payments

If payment appears failed, pending, or interrupted:

Do not repeat payment immediately unless confirmed necessary
Check your bank/mobile wallet statement
Contact payment provider if needed
Contact WellMed support with transaction details

Orders may remain pending until successful confirmation.

10. Duplicate Payments

If a customer is charged more than once for the same order due to technical error or duplicate transaction, WellMed will review the case and process an eligible adjustment or refund after verification.

11. Refunds Related to Payment

Approved refunds may be sent through:

bKash
Nagad
Bank Transfer
Original card/payment method
Store credit / voucher (if mutually agreed)

Refund timing depends on payment provider, bank, wallet operator, and verification completion.

12. Installments / EMI

If installment or EMI options are available through banks or gateways, those services are subject to third-party provider terms, approval, fees, and conditions.

WellMed does not guarantee approval of installment facilities.

13. Promotional Discounts & Coupons

Coupons, vouchers, or discount campaigns may have separate terms including:

Minimum purchase value
Product exclusions
Expiry dates
Single-use limits
Region limitations

WellMed may cancel discounts obtained through abuse, manipulation, or technical exploitation.

14. Customer Responsibilities

Customers agree to:

Use legally owned payment methods
Provide accurate billing details
Complete payment within required time
Keep transaction proof if needed
Avoid unauthorized chargeback abuse

Fraudulent payment activity may result in cancellation, account restriction, or legal action.

15. Chargebacks & Disputes

If a payment dispute or chargeback is raised without valid cause after successful delivery or service completion, WellMed reserves the right to contest the claim and restrict future purchases.

Customers are encouraged to contact support first for faster resolution.

16. Limitation of Liability

WellMed is not responsible for delays, failed payments, bank downtime, gateway outages, OTP issues, mobile wallet service interruptions, or losses caused by third-party financial systems beyond our reasonable control.

17. Changes to This Policy

We may update this Payment Policy at any time. Updated versions become effective when published on our website or app.

18. Contact Us

For payment assistance, billing questions, or transaction support, please contact WellMed through our official customer support channels.

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