Payment Policy

1. Quotation-Based Payments

Newlife Medicare does not require customers to make payment simply because a product is displayed on the website. Payment is requested only in connection with a specific quotation, proforma invoice, invoice, order reference or other authorised transaction.

Before payment, customers should review the product details, quantity, destination, amount, currency, shipping charges and any other agreed transaction terms.

2. No Open or Self-Service Checkout

Our website does not operate as an unrestricted self-service medicine checkout where customers select a product price and pay immediately without prior transaction review.

Final transaction amounts are quotation-based and may depend on product availability, quantity, shipping arrangements, destination, regulatory requirements and other transaction-specific factors.

3. Secure Payment Links

After a quotation or order is confirmed, Newlife Medicare may create a secure payment link through an authorised third-party payment gateway, payment processor or international payment service provider.

The link will relate to the applicable customer transaction and may contain or reference information such as the customer name, quotation or order reference, payment purpose, amount, currency and expiry period.

A payment link is intended only for the relevant customer or business and should not be edited, repurposed or used to make an unrelated payment.

4. How Payment Links Are Sent

Payment links may be sent after quotation confirmation through the official communication channel used for the order, including:

• Official Newlife Medicare company email
• WhatsApp or another authorised chat or messaging application used by our team
• Another verified communication method agreed for the transaction

If a customer receives an unexpected payment request, the customer should verify the quotation or order reference and contact Newlife Medicare before making payment.

5. Authorised Payment Providers

Online payments may be processed by an authorised third-party payment gateway, financial institution or payment service provider selected for the applicable transaction.

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

The availability of a particular provider or payment method may therefore vary by customer, country, currency and transaction.

6. Available Payment Methods

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

• International credit or debit cards where enabled
• Bank-account or bank-transfer based payment methods
• Other online payment methods made available by the authorised payment provider
• Direct bank transfer where separately agreed by Newlife Medicare

Only the methods presented or specifically authorised for the relevant transaction should be used.

7. Payment Amount and Currency

The payable amount and currency will be stated in the applicable quotation, proforma invoice, invoice or payment request.

Customers should not make an arbitrary, self-selected or different payment amount unless a revised amount has been expressly confirmed by Newlife Medicare.

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

8. Payment-Link Expiry or Changes

A payment link may have an expiry date or may be cancelled if the quotation changes, the transaction is no longer approved, the product becomes unavailable or the payment request needs to be replaced.

If the amount, currency, order details or other commercial terms change, the customer should use only the latest payment instructions issued by Newlife Medicare.

9. Secure Payment Processing

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

Newlife Medicare does not require customers to send complete card credentials, CVV, banking passwords or OTPs through chat, email or messaging applications.

For reconciliation, Newlife Medicare may receive transaction information such as payment ID, transaction reference, payment status, amount, currency, date and customer identification details provided by or through the payment provider.

10. Payment Confirmation

After successful payment, the customer may receive confirmation from the payment provider and/or Newlife Medicare.

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

A payment is treated as confirmed by Newlife Medicare only after the transaction has been successfully verified in the applicable payment-provider or banking records.

11. Payment Does Not Automatically Guarantee Dispatch

Where applicable, dispatch remains subject to final order verification, document approval, regulatory requirements, product availability and fulfilment checks.

If an order cannot lawfully or operationally proceed after payment, Newlife Medicare will review the transaction and any eligible refund in accordance with the applicable policies and payment-provider rules.

12. Prescription, Licence and Regulatory Documentation

Certain medicines or destinations may require a valid prescription, business licence, import permit, identity or customer information, or other supporting documentation.

The type of documentation required may depend on the product, customer type and destination country. Newlife Medicare may request and verify such documentation before payment, before processing or before dispatch, as applicable.

Making payment does not remove the customer's responsibility to provide any required documentation.

13. Failed or Pending Transactions

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

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

14. Amount Debited but Payment Not Confirmed

If the customer's account is debited but the payment has not been confirmed, please contact us and provide:

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

We will review the transaction using the available payment-provider or banking records.

15. Duplicate Payments

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

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

16. Shipping, Taxes and Other Charges

Product value, shipping charges and other agreed costs will be stated 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 applicable local requirements.

17. Fraud Prevention and Transaction Review

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

Newlife Medicare may place a payment or order on hold where the transaction appears unauthorised, suspicious, inconsistent with the approved quotation or otherwise requires additional review.

18. How to Verify a Genuine Payment Request

Customers should make payment only where the request is connected to an identifiable Newlife Medicare quotation, proforma invoice or order.

• Check that the payment amount and currency match the confirmed quotation.
• Check that the payment purpose or order reference is consistent with your transaction.
• Do not provide OTPs, banking passwords or complete card credentials to anyone through chat or email.
• Do not make payment to an unrelated personal account claiming to represent Newlife Medicare.
• If anything appears unusual, contact us using the official contact information shown on this website before paying.

19. Refunds

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

Where technically available and appropriate, an approved online-payment refund may be returned through the original payment method or applicable payment-provider process, subject to provider rules, banking timelines and transaction circumstances.

20. Chargebacks and Payment Disputes

Customers should contact Newlife Medicare promptly if they believe there is an incorrect, duplicate or unauthorised transaction or another payment problem.

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

21. Customer Responsibility

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

The customer should use only the payment link or payment instructions provided for the confirmed transaction and should notify Newlife Medicare if any material information appears incorrect before completing payment.