3. Payment Policy

3.1 Accepted Payment Methods

The Website accepts payment by Visa and Mastercard debit and credit cards. The Company may, from time to time and at its sole discretion, enable additional payment methods through its licensed payment gateway providers, which may include Network International, Magnati, PayTabs, Telr, Checkout.com and Amazon Payment Services. Any additional payment method enabled on the Website shall be subject to this Payment Policy.

3.2 Currency

All transactions on the Website are processed in AED. Where a Customer's card is denominated in a currency other than AED, the Customer's card issuer may apply its own foreign exchange rate and may levy a conversion fee; such fees are outside the Company's control and are the Customer's responsibility. The price and currency displayed at checkout will be identical to the amount reflected on the transaction receipt issued for the Order.

3.3 Payment Processing

Payment is processed through a PCI-DSS compliant, licensed UAE payment gateway provider. The Company does not directly receive, store or process full card numbers, card verification values or other sensitive card authentication data; such data is transmitted directly between the Customer's browser or device and the payment gateway provider in accordance with Section 2.9 and Section 2.15. Authorisation of payment is a condition precedent to acceptance of an Order under Section 1.7.

3.4 Payment Confirmation

Upon successful authorisation of payment, the Company issues an order confirmation and a transaction receipt by email, reflecting the Products ordered, the price paid, the currency, and the last four digits of the card used, where applicable. Cardholders should retain a copy of the transaction receipt for their records, as it constitutes proof of purchase for the purposes of Section 6 (Exchange, Return & Refund Policy).

3.5 Failed Payments

Where a payment is declined, fails authorisation, or is otherwise unsuccessful, the associated Order will not be processed and no Products will be reserved or dispatched. The Customer will be notified of the failed payment and may re-attempt payment using the same or an alternative accepted payment method. The Company is not responsible for any delay or failure in payment authorisation caused by the Customer's card issuer, bank, or payment gateway provider.

3.6 Fraud Prevention

The Company and its payment gateway providers employ fraud detection and prevention measures, including verification checks, velocity checks and risk scoring, to protect Customers and the Company against fraudulent transactions. The Company reserves the right to decline, delay, or request additional verification for any Order flagged by such measures, and to cancel any Order where fraud or attempted fraud is reasonably suspected, in accordance with Section 1.7 and Section 1.15. The Company will not knowingly trade with, or provide services to, individuals or entities located in countries subject to comprehensive sanctions administered by the U.S. Office of Foreign Assets Control ("OFAC") or equivalent UAE and international sanctions regimes, as set out further in Section 11.

3.7 Chargebacks

Where a Customer disputes a transaction directly with their card issuer (a "chargeback") rather than contacting Customer Service in the first instance, the Company reserves the right to submit evidence to the card issuer or payment gateway provider in defence of a legitimately processed transaction, including order confirmations, delivery confirmations, White Glove Delivery acceptance records, and correspondence with the Customer. Customers are encouraged to contact customerservice@famm.ae to resolve any billing concern before initiating a chargeback, as this is ordinarily the fastest route to resolution.

3.8 Refund Timing

Where a refund is due under Section 6, Section 7 or otherwise under this Manual, the Company will process the refund to the original payment method within five (5) to ten (10) Business Days of the refund being approved. The Customer's bank or card issuer may require up to forty-five (45) days from the date the Company processes the refund to credit the funds to the Customer's account or statement; this further delay, once the refund has left the Company's control, is outside the Company's ability to expedite.