Payment Policy

1. Authorised Payments

Customers should make payment only against a quotation, proforma invoice, invoice, order reference or payment request authorised by Newlife Medicare Private Limited.

Before paying, customers should verify the company name, quotation or order number, currency and total amount shown.

2. Available Payment Methods

Depending on the customer country, transaction and payment provider, available methods may include:

• International credit or debit cards
• Other online payment methods enabled by our authorised payment gateway
• Bank transfer or international bank transfer where separately agreed

The methods available to a particular customer are determined by the payment provider and may vary by country, currency and transaction.

3. Website Payment Links

Where online payment is enabled, customers may receive a secure payment link associated with a specific quotation, invoice or order.

The payment page is intended only for the customer or business connected to that approved transaction and should not be altered, shared unnecessarily or used for an unrelated payment.

4. Payment Gateway

Online payments are processed through an authorised third-party payment gateway or financial service provider.

The payment provider may apply its own authentication, fraud-prevention, security, transaction-limit and processing requirements.

5. Secure Payment Processing

Sensitive payment credentials such as complete card details, CVV, banking passwords and OTPs should be entered only on the authorised payment-provider interface.

Newlife Medicare may receive transaction information such as payment ID, transaction reference, payment status, amount, currency, date and customer identification details required for reconciliation.

6. Quotation and Order Reference

Each online payment should be connected to the relevant quotation, invoice or order reference so that the payment can be matched accurately to the customer transaction.

Customers should not make an arbitrary or self-selected payment amount unless specifically instructed by Newlife Medicare.

7. Payment Confirmation

After successful payment, the customer may receive a website confirmation, payment receipt, transaction reference, email or message from our team.

Customers should retain the payment reference and quotation or order number until the transaction is completed.

8. Payment Does Not Automatically Guarantee Dispatch

Dispatch remains subject to final order verification and completion of any applicable regulatory or documentation requirements.

9. Failed or Pending Transactions

A transaction may fail or remain pending because of bank rejection, authentication failure, insufficient funds, network interruption, payment-provider controls or technical issues.

If a transaction appears failed or pending, customers should check the payment status before attempting another payment for the same quotation.

10. Amount Debited but Payment Not Confirmed

If the customer's account is debited but the payment is not shown as successful, please contact us and provide:

• Customer name
• Quotation or order number
• Payment amount and currency
• Transaction or payment reference
• Date of payment

We will verify the transaction with the applicable payment provider or banking records.

11. Duplicate Payments

If the same quotation or order is accidentally paid more than once, contact us immediately.

After verification and reconciliation, an eligible duplicate payment may be refunded in accordance with our Refund & Cancellation Policy.

12. Currency

The payable currency will be stated in the applicable quotation, invoice or payment page.

Currency-conversion charges, international card charges or other fees may be applied independently by the customer's bank, card issuer or payment provider.

13. Shipping, Taxes and Other Charges

Product price, shipping charges and other agreed costs will be identified in the quotation or invoice where applicable.

Customs duties, import taxes, clearance charges or destination-country fees may be payable separately depending on the shipping terms and local requirements.

14. Payment Verification and Fraud Prevention

For security, compliance or fraud-prevention purposes, Newlife Medicare or the payment provider may request additional information before accepting or processing a transaction.

We reserve the right to place a payment or order on hold where the transaction appears unauthorised, suspicious or inconsistent with the approved quotation.

15. Unauthorised Payment Requests

Customers should not make payments to unrelated personal accounts or unauthorised payment channels claiming to represent Newlife Medicare.

If you are uncertain about a payment request, verify it with our team before making payment.

16. Refunds

Approved refunds are handled according to our Refund & Cancellation Policy.

Where technically possible, an approved online-payment refund may be returned to the original payment method, subject to the payment provider's processing rules and timelines.

17. Chargebacks and Payment Disputes

Customers should contact Newlife Medicare promptly if they believe there is an error, duplicate transaction or other payment problem.

We will cooperate with legitimate payment-provider and financial-institution investigations and may provide quotation, order, payment and fulfilment records where required.

18. Customer Responsibility

The customer is responsible for reviewing the quotation, amount, currency, product requirements and destination details before payment.

For products requiring a prescription, import permission, business licence or other documentation, payment does not remove the customer's responsibility to provide the required information.