Payment Policy
How authorized checkout works, when payment is treated as confirmed, how currencies and transaction records are handled, and how refunds, reversals, chargebacks, seller balances, and payouts affect an order.
PayPal checkout
Current checkout uses PayPal and may show eligible card funding through PayPal where available.
Confirmed payment record
An order counts as a marketplace sale only after valid payment evidence is recorded.
No manual seller payment
Private transfer, cash, invoice, wallet, or QR arrangements are outside Indovia checkout.
Payout follows clearance
Seller funds may remain pending or held while fulfillment, complaint, refund, verification, or reconciliation is unresolved.
1. Scope and payment roles
This policy applies to buyer checkout, payment confirmation, order totals, transaction evidence, refunds, payment disputes, seller balances, and payout controls.
Indovia provides the marketplace checkout and connects it with the supported payment provider. The payment provider processes credentials, authentication, authorization, funding eligibility, settlement, reversal, and payment-account rules under its own terms. Buyers choose an available method and remain responsible for authorized use. Sellers receive order and finance records but must not collect buyer payment privately.
Indovia can record order items, shipping selection, buyer-facing amount, currency, payment method, transaction reference, payment date, status, refunds, complaints, and seller-finance consequences. Indovia does not store or display a buyer's complete card number through ordinary marketplace pages and does not control every payment-provider decision.
This policy works with Buyer Protection, Seller Policy, Shipping Policy, Return, Complaint & Resolution Policy, Privacy Policy, Terms of Service, and the payment provider terms. Mandatory rights under applicable payment, consumer, and data-protection law remain unaffected.
3. Currency, totals, and order review
Buyer checkout is displayed in USD while seller pricing and finance records are maintained in IDR.
Before placing an order, the buyer should review product price, quantity, variation, discounts, shipping, tax if shown, and total payable in checkout. Product-page or cart estimates can change when product data, destination, courier availability, quantity, exchange conditions, discounts, or provider responses change. The final amount displayed immediately before payment is the buyer's transaction reference.
Seller-facing price, ledger, settlement, and payout information is maintained in IDR. Buyer-facing conversion and seller settlement can use different records because they serve different operational purposes. Indovia does not publish internal pricing or conversion formulas, and a seller may not attempt to reconstruct or disclose private marketplace finance logic through buyer-facing content.
PayPal, a card issuer, or a buyer's bank may apply its own currency conversion, cross-border, funding, or account charges. Those provider charges may not appear as Indovia order lines and are governed by the provider relationship with the buyer. Buyers should review the PayPal approval screen before confirming.
4. Payment authorization and confirmation
A payment attempt and a confirmed paid order are not the same event.
After the buyer submits checkout, the payment provider may request login, authentication, funding selection, address confirmation, risk review, or another step. The buyer should return to Indovia after approval and verify the order in the buyer account. Closing a window, losing connection, refreshing repeatedly, or seeing a temporary browser message does not establish whether payment succeeded.
Indovia treats payment as confirmed when reliable WooCommerce and payment records show a paid date or equivalent accepted evidence, a positive order total, and no internal export marker. Orders that are failed, cancelled, fully refunded, draft, abandoned, trashed, or internal quality-assurance transactions are not treated as confirmed sales.
If the buyer sees a PayPal charge but no valid Indovia order, the buyer should not pay again until checking PayPal activity, account orders, email, and support. Indovia may need the transaction reference, amount, currency, time, account email, and a redacted proof that does not expose complete payment credentials.
5. Sales counts and transaction integrity
Public sales indicators should reflect confirmed paid order evidence, not created or unpaid orders.
Indovia can display product sales and accumulated store sales as informational marketplace metrics. Those figures are reconciled against confirmed paid orders and can be reduced when relevant quantities are refunded or when an order becomes cancelled, failed, refunded, invalid, or otherwise ineligible.
Sellers must not create self-purchases, fake buyers, internal tests, payment reversals, circular transactions, coordinated orders, or other activity intended to inflate sales. Buyers and sellers must not exchange compensation for a transaction whose main purpose is metric manipulation rather than genuine purchase.
Indovia may correct public metrics without notice when canonical records show a discrepancy. A sales count is not an audit opinion, revenue statement, seller warranty, ranking guarantee, or promise that a future order will be fulfilled successfully.
6. Failed, pending, cancelled, and duplicate payments
Payment exceptions should be resolved from provider and order records before a second payment is attempted.
A payment can remain pending because of authentication, funding review, provider risk controls, account limitation, technical interruption, or delayed notification. A pending order does not authorize seller dispatch unless the seller console shows an actionable paid state. Indovia may cancel or expire an unpaid order according to system rules.
If a payment fails, the buyer may retry only through the official checkout or order payment path when offered. The buyer should not follow seller-supplied alternatives. If two charges appear for one intended purchase, the buyer should report both transaction references and avoid opening inconsistent disputes before Indovia can identify whether there are two orders, one authorization, one capture, or a duplicate capture.
Cancellation availability depends on payment and fulfillment status. A buyer request does not automatically cancel a paid order that has entered preparation or shipment. The seller must not privately promise cancellation while leaving the official order unchanged. Any approved cancellation must be reflected in canonical order and payment records.
7. Refunds and payment reversals
A refund requires an eligible decision and confirmed processing through the connected order and payment records.
Refunds may result from cancellation, return, non-delivery, product issue, partial quantity issue, payment correction, or another approved resolution. A complaint does not itself create a refund. Indovia or an authorized seller/admin workflow must review the request, record the decision, and verify the resulting status.
A refund can be full or partial. Shipping, return shipping, customs, duties, provider charges, or other components may be treated differently depending on responsibility, evidence, policy, and law. Indovia will not disclose internal seller or marketplace finance formulas in buyer-facing decisions but should explain the order components affected by the approved outcome.
After processing, PayPal, a card issuer, or a bank controls posting to the buyer's account. Currency conversion can cause the buyer's home-currency amount to differ from the original statement even when the USD refund is correct. Indovia cannot guarantee external posting time or exchange treatment.
8. PayPal disputes, card disputes, and chargebacks
External disputes create a parallel process that must be reconciled with the Indovia order.
Buyers may use rights offered by PayPal, card issuers, and applicable law. A buyer opening an external dispute should inform Indovia and provide accurate information. The buyer must not obtain both an Indovia refund and an external recovery for the same loss. Indovia may pause an internal monetary remedy while the external case is active.
Indovia may submit the checkout record, product details, payment evidence, address, shipping service, tracking, delivery events, messages, complaint history, refund record, and other relevant information to the payment provider or acquiring parties. Personal data will be limited to what is reasonably necessary for the dispute, fraud prevention, and legal compliance.
A provider decision does not prevent Indovia from enforcing seller or buyer conduct rules. An external chargeback can create a seller balance adjustment, order status change, account review, or evidence-preservation obligation. Fraudulent chargebacks, false non-receipt claims, and duplicate recovery can lead to buyer restriction and legal action where permitted.
9. Seller balances and order settlement
A paid buyer order creates seller-finance records, but funds remain subject to order and account conditions.
Seller product values, held funds, available balances, requested payouts, paid payouts, shipping-related operational amounts, and adjustments are recorded in IDR. A displayed balance can be pending while the order is in fulfillment, held while a complaint is open, reduced by a refund or chargeback, or unavailable while required reconciliation is incomplete.
Buyer confirmation of receipt, carrier delivery information, complaint status, refund status, account verification, and other system conditions can affect when product funds become withdrawable. Sellers must not tell buyers that confirmation is mandatory before inspection or pressure buyers to confirm delivery early.
An order or line-item correction can update seller finance after the original payment. Indovia may reconcile historical values when canonical payment, refund, shipping, or status records show that the displayed seller balance was incomplete or incorrect.
10. Seller payout requests
Payout is a controlled release of eligible seller funds, not an automatic consequence of order creation.
Sellers may request payout only from the withdrawable amount shown through the authorized seller-finance workflow. Payout requests may pass through requested, review, approved, processing, paid, rejected, or related internal states. An internal status does not mean an external bank transfer has occurred until the system and banking evidence confirm payment.
Indovia may hold, reject, reverse, or require correction of a payout request when seller identity or bank information is unverified, the account is restricted, funds are connected to an open complaint, a refund or chargeback is pending, the amount needs reconciliation, or fraud, sanctions, tax, compliance, or security review is required.
Sellers must keep bank information accurate and in an approved name. Bank-account changes can require renewed verification. Sellers may not ask Indovia to pay another seller, buyer, employee, supplier, or unrelated third party as a way to bypass verification or account controls.
11. Payment security and prohibited conduct
Every participant must help prevent unauthorized use, social engineering, laundering, and marketplace bypass.
Users must not use stolen credentials, unauthorized payment accounts, fabricated identity, manipulated orders, card testing, refund abuse, fake tracking, sham goods, circular transactions, split payments intended to avoid controls, or another method designed to conceal source, ownership, destination, or purpose of funds.
Sellers must not request payment outside checkout, add private payment instructions to listings or parcels, offer a discount for bypassing Indovia, process a private refund in place of an official record, or ask a buyer to misstate transaction facts. Buyers must not ask sellers to understate value, create false invoices, refund a different payment source, or deliver to an unauthorized address.
Indovia may cancel or hold orders, request verification, limit payment attempts, preserve records, restrict accounts, reverse internal balances, cooperate with payment providers, and report activity where required by law. Confidential fraud rules and security thresholds are not disclosed.
12. Support, records, and policy changes
Payment problems should be reported with enough transaction information to identify the canonical record safely.
Buyers should first check the Indovia order page and PayPal activity. Sellers should check the seller order and finance views. If support is needed, contact support@indovia.net with the account email, order number, approximate time, amount, currency, and redacted transaction reference. Never send passwords, full card numbers, security codes, or unnecessary identity documents.
Indovia retains payment and order records according to the Privacy Policy, legal obligations, fraud-prevention needs, dispute periods, and operational requirements. Records may be provided to payment providers, banks, professional advisers, regulators, authorities, or courts where necessary and lawful.
Indovia may change payment methods, provider integrations, currencies, verification, refund, balance, and payout rules. Changes apply according to the Terms of Service and any mandatory notice requirements. A completed transaction remains subject to the records and policies applicable to its lifecycle, including later fraud, refund, dispute, and legal obligations.