Payment Policy

This page outlines the payment methods we accept, how transactions are processed, and what to expect if you need a refund. All payments are handled through secure, industry-compliant channels.

Merchant: Ningbo Silva Industrial Co., Ltd. | Website: silvafloor.com | Registered Address: Songyanwang Village, Gulin Town, Haishu District, Ningbo City, Zhejiang Province, P.R. China

Our Payment Commitment

Ningbo Silva Industrial Co., Ltd. is committed to processing all payments securely and transparently. We use industry-standard encryption and comply with Payment Card Industry Data Security Standards (PCI DSS) to protect your financial information. We do not store complete card details on our servers.

All prices displayed on our website are shown before order confirmation. Any applicable taxes, shipping charges, or other fees will be clearly displayed during checkout before payment is completed.

How You Can Pay

We accept the following payment methods. All transactions are processed through secure, verified payment gateways.

PayPal

Pay using your PayPal balance, linked bank account, or cards associated with your PayPal account. PayPal includes built-in buyer protection and supports multiple currencies, making it suitable for international orders.

Credit & Debit Cards

We currently accept Visa® and Mastercard®. Additional payment methods may be available at checkout depending on your location.

Note: For PayPal-specific questions or disputes, please contact PayPal customer support directly through their official website, as PayPal transactions are governed by PayPal's own terms and policies.

How Payments Are Processed

When you place an order, your payment method is authorised for the total order amount. The charge is applied once your order is confirmed and being prepared for shipment. For PayPal, authorisation and charge typically occur at the same time.

To avoid authorisation failures, please ensure all payment details — including billing address — are entered accurately and match the information held by your card issuer. If a payment is declined, we recommend verifying your details and checking with your bank before trying again.

SSL Encryption: all payment pages use SSL encryption to protect data in transit.
PCI DSS Compliance: our payment systems meet Payment Card Industry Data Security Standards.
Fraud Detection: we use automated systems to identify and prevent unauthorised transactions.
No Card Storage:we do not store complete payment card numbers after transactions are processed.

Refund Processing

Approved refunds are returned to the original payment method used at the time of purchase. We will send a confirmation email once the refund has been initiated on our end. Processing times vary depending on your payment provider.

PayPal	Typically 3–5 business days to appear in your PayPal account.Actual processing times depend on your payment provider.
Credit / Debit Card	Typically 7–14 business days, depending on your card issuer.

Refund timelines are determined by your bank or payment provider and may vary. If you have not received your refund after the expected period, please contact us with your order number and we will investigate promptly.

Pricing & Currency

All prices are displayed in the currency applicable to your region. For international customers, currency conversion is handled by your payment provider at the exchange rate applicable at the time of the transaction. Exchange rates and any foreign transaction fees are determined by your payment provider or financial institution.

The final order total, including any applicable charges, will be clearly displayed at checkout before you confirm payment. No additional charges will be applied after payment confirmation unless required by applicable law or requested by you.