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Payment Policy
✓ SSL encrypted checkout
✓ PCI-DSS compliant payments
✓ Secure payment processing
✓ Major cards & digital wallets
✓ USD pricing
All payments made on micotix.com are processed on behalf of Ammar Commerce Limited, registered in Ras Al Khaimah, United Arab Emirates (registered address: RAKEZ Al Hulaila Industrial Zone, Ras Al Khaimah, United Arab Emirates), the commercial entity responsible for all sales, billing, customer service, and transaction processing conducted through Micotix. The store is hosted on Shopify Inc., whose checkout is PCI-DSS Level 1 certified and provides secure payment infrastructure and SSL/TLS encrypted payment processing.
01
Accepted Payment Methods
Micotix accepts the following payment methods at checkout. All available payment options are displayed at the time of purchase and may vary depending on your location, device, and payment provider.
Credit & Debit Cards
Visa
Mastercard
American Express
Card payments may require additional bank authentication or verification depending on your card issuer.
Digital Wallets
Apple Pay
Google Pay
Shop Pay
Digital wallet availability may depend on your browser, device, region, and saved payment settings.
Accepted at checkout
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Not accepted
Micotix does not currently accept bank transfers, cryptocurrency, money orders, checks, or cash on delivery. Payment options are subject to change and this page may be updated accordingly.
02
Pricing & Currency
All prices displayed on micotix.com are denominated in United States Dollars (USD, $). Micotix primarily serves customers in the United States and Australia, although payment availability and final checkout options may vary by region.
Multi-market pricing
Customers browsing from Australia will see prices automatically converted from USD into AUD at checkout, using Shopify Markets and live exchange rates. The converted amount shown at checkout reflects the rate applied at the time of your order.
Currency conversion & bank fees
If your payment card or account is denominated in a currency other than the one shown at checkout, your bank or payment provider may apply its own exchange rate and may charge a foreign transaction or currency conversion fee. These charges are outside Micotix's control and are the customer's responsibility.
Taxes and checkout totals
Applicable taxes, duties, or shipping charges are calculated and displayed at checkout where required. Customers are responsible for reviewing the final total, in their local currency where applicable, before submitting payment.
03
Payment Security
The security of your payment information is important to us. Micotix uses secure payment infrastructure and industry-standard safeguards to protect payment information during checkout.
Security standards in place
SSL / TLS Encryption
Data transmitted between your browser and micotix.com is encrypted using secure SSL / TLS technology. Look for the padlock icon in your browser's address bar.
PCI-DSS Level 1 Checkout
Payment processing is handled entirely through Shopify's PCI-DSS Level 1 certified checkout infrastructure, the highest level of payment card industry certification.
No Card Data Stored
Micotix (Ammar Commerce Limited) never stores full card numbers, CVV codes, or sensitive payment credentials. Payment details are handled entirely by Shopify's secure checkout.
Fraud Detection
Orders may be screened using fraud-prevention tools, payment risk checks, and verification processes designed to protect customers and the business.
Secure checkout
All payment information is encrypted and processed through Shopify's PCI-DSS Level 1 certified checkout. Micotix does not store full payment card numbers, CVV codes, or sensitive payment credentials.
04
Billing & Order Confirmation
Payment is collected at the time your order is placed. Once your transaction is successfully authorised, an order confirmation email will be sent to the email address provided during checkout.
When you are charged
Your payment method is charged immediately upon successful order placement.
You will receive an order confirmation email shortly after purchase.
Order information can be referenced using your order confirmation number.
Your billing statement may show a descriptor such as SHOPIFY* followed by Micotix or Ammar Commerce Limited, depending on your bank and card issuer.
Payment declined?
If your payment is declined, no order will be completed and no successful charge will be captured by Micotix. Common reasons include insufficient funds, incorrect card information, expired payment methods, fraud-prevention blocks, or authorisation failures from your bank or payment provider. Please double-check your card details, confirm sufficient funds, or try an alternative payment method before contacting us.
Recognising the charge on your statement
If you see a charge on your statement you do not recognise, it may appear as SHOPIFY* plus Micotix, or as Ammar Commerce Limited, the legal entity behind Micotix. Please check for this descriptor before disputing a charge with your bank.
No order confirmation received?
Please check your spam or junk folder first. If you still cannot locate your confirmation, contact us at info@micotix.com with the email address used at checkout and the approximate transaction amount.
05
Order Verification & Fraud Prevention
Micotix reserves the right to review and verify orders before shipment. Orders identified as high-risk may require additional verification to protect both customers and the business from fraudulent transactions.
We may
Contact you by email to confirm billing, shipping, or payment details before dispatching your order.
Place an order on hold while additional verification is completed.
Cancel and refund an order if we are unable to verify it to our satisfaction.
Chargeback policy
Customers are encouraged to contact our support team at info@micotix.com before initiating a chargeback. Most concerns can be resolved directly through customer support, including refunds, replacements, or order investigations.
Filing a chargeback without first contacting Micotix may delay resolution. Where required, Micotix (Ammar Commerce Limited) may provide order records, payment details, fulfilment records, and carrier tracking information to the relevant payment provider or financial institution.
06
Refunds & Cancellations
Payment refunds are governed by our Returns & Refunds Policy. The following is a payment-focused summary of common refund and cancellation timelines.
Store credit
Instant
Store credit may be issued immediately once approved and may be used toward future purchases on micotix.com.
Original payment method
5–10 business days
Approved refunds are processed back to the original payment method. Processing times vary by bank and payment provider and may take 5–10 business days after refund approval. Refunds to a card are issued in the currency the order was charged in.
Order cancellation
Orders may be cancelled prior to shipment. Once an order has entered the fulfilment or shipping process, cancellation may no longer be possible. Contact us as soon as possible at info@micotix.com if you wish to cancel an order.
07
No Subscription Billing
Micotix does not currently offer subscription-based products or recurring billing services. All purchases on micotix.com are one-time transactions unless explicitly stated otherwise on a product page. You will not be enrolled in automatic recurring billing without your express consent.
08
Payment Enquiries
For any payment-related queries, including billing issues, refund status, unrecognised charges, or invoice requests, please contact our customer support team by email.
This Payment Policy applies to all orders placed on micotix.com and may be updated from time to time without prior notice. The version published on this page is currently in force. Effective 9 September 2026.