Credit Card Payments, KYC & Billing FAQ
We accept major debit/credit cards, including MasterCard, American Express, Visa; local bank transfers, Zelle, Venmo, ACH transfers, eCheck, Bill Pay, Apple & Google Pay, eCheck, PayPal, bitcoin, altcoins, stablecoins like USDC or USDT, and other cryptocurrency. When you reach the checkout page, you’ll see the payment methods that are currently available. Please note that not all options are available at all times, as their availability may change dynamically based on various factors.
If you tried to place an order but your card was declined and you didn’t receive an order confirmation email, please review this page carefully before contacting our customer support team. The information provided here is the same information our support team would provide to resolve your issue.
Let’s Go Over Some Key Facts
Table of Contents
Why is KYC required for card payments?
We get it — being asked for personal data feels uncomfortable.
Here’s the straight answer, no nonsense.
When you pay by credit or debit card, your payment is processed as a cryptocurrency purchase (USDC) behind the scenes. This is called an on-ramp transaction.
Because fiat money is being converted into crypto, global regulations apply. Governments in the US, EU, Australia, and other regions require identity verification to prevent money laundering and terrorism financing. There’s no workaround — every compliant crypto on-ramp follows the same rules.
Additionally, cryptocurrency transactions are irreversible. This creates an extra layer of protection for crypto providers against chargebacks and fraud. Since payments cannot be reversed like regular card transactions, on-ramp companies must apply stricter verification and risk controls before approving a purchase to protect both their systems and the broader financial network.
That’s why our payment partners may ask for KYC (Know Your Customer) verification.
KYC is required only when you choose to pay by card via our on-ramp partners (for example, Stripe, MoonPay, etc).
On-ramps usually apply two verification levels:
- Light KYC: Email verification and basic personal details (such as an ID or SSN number, depending on country).
- Full KYC: Everything above, plus identity documents and a short live selfie (liveness check).
Which level is required is decided entirely by the payment provider and purchase amount, based on their internal risk checks. We do not control this.
Not us. Ever.
All personal information is submitted directly to the payment provider (Stripe/Link/Paybis/MoonPay/Ramp Network, etc). We never receive, store, or access your KYC documents.
They are regulated companies and fully compliant with GDPR and local data-protection laws.
Because EU crypto laws (MiCA and AML regulations) require payment providers to apply stricter identity and risk checks for all on-ramp transactions. Common decline reasons include VPN or location mismatch, incomplete or failed KYC, billing details not matching bank records, higher-risk merchant categories, and internal risk scoring by the payment provider.
Payment Tips & Best Practices
Yes, We Generally Accept PayPal Payments
Keep transactions hassle-free and minimise refund requests. If you do need a refund, opting for a store credit rather than a direct refund to your PayPal account can help prevent potential suspensions.
Yes, there are! We have a range of payment methods to suit your needs. You can pay with major credit cards, including Mastercard, Visa and American Express, SEPA Bank Transfer by IBAN or crypto.
Have you completed your PayPal transaction but haven’t seen the confirmation email yet? No worries! Contact our dedicated customer support team, and we’ll get right on it. Remember to include your PayPal transaction ID in your message – typing it in will speed up the process.
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What’s the Difference Between Visa and Mastercard?
Visa and Mastercard are similar global payment networks in that they have an extensive network and provide lots of benefits to their users. However, while they have a lot of similarities, there’s a key difference between them, and we’ll get to it in a minute.
Visa is widely accepted around the world, so many online retailers and merchants accept it. Some of the benefits associated with its use include its built-in security features such as the EMV chips and zero-liability protection for unauthorized transactions, among others, and reward programs through which users can earn points.
Mastercard is equally widely accepted around the world, as it has a vast network. It constantly introduces cutting-edge innovations and technologies to improve user experience. It also comes with a lot of benefits that revolve around premium services, discounts on purchases, and exclusive offers.
The major difference between Visa and Mastercard is the specific banks and financial institutions that issue the cards under each network. These banks have different terms, reward programs, and customer service experiences associated with their offers.
When looking to choose one, it is important to compare the specific terms and services offered by your chosen bank rather than solely focusing on the individual brands.
Can iDEAL Be Used Worldwide or Only in the Netherlands?
iDEAL is a widely accepted payment method in the Netherlands that was specifically designed for Dutch bank account holders. It has features put in place to ensure secure and smooth online payments directly from Dutch bank accounts.
While the payment method is primarily used in the Netherlands, some overseas online merchants offer it as an option for their Dutch customers. However, it is worth noting that it is not generally available or accepted in other parts of the world. If you’re travelling out of the Netherlands and plan on making online payments, you would have to use internationally recognized payment methods such as PayPal and credit cards like Visa and Mastercard.
Can You Pay with iDEAL at Every Bank?
No, you can’t. While the payment method was specifically designed for Dutch banks, not all banks in the Netherlands support it, especially the smaller ones. It may interest you to know that a majority of banks within the country accept them. This includes ING Bank, ABN AMRO, Bunq, Rabobank, and SNS Bank, among others.
Before trying to pay with iDEAL at any bank, it is important to verify whether it offers it as a payment option. To find out, you can either visit the official iDEAL website for an updated list of banks it partners with or check with your bank directly.
How Long Does a SEPA Transfer Take?
A SEPA (Single Euro Payments Area) transfer is designed to be fast, secure, and efficient when transferring euros within the SEPA zone. While credit transfers typically take 1–2 business days to be processed and settled, the transfer time can sometimes vary based on these factors:
- bank processing time: Different banks have varying processing times. While some may process the transaction on the same day they receive the instruction, others may begin the next day or even take longer;
- the day of the week: SEPA transfers are sometimes delayed on national bank holidays and weekends. If you process a transfer a day before the start of the weekend or a holiday, the transaction may be halted till the next business day;
- currency: SEPA transfers were primarily designed to handle transfers in euros. If you transfer USD or some other currency within the SEPA zone, the transfer may take longer, as extra time may be required for the currency conversion.
Generally, if you’re doing a euro-to-euro transfer within the SEPA zone, you can expect the transaction to take just 1 day or 2 at most. Be sure to check with your bank if you need precise details regarding the transfer time.
Is There a Limit on Debit Card Payments in EU?
Not exactly. There are no specific EU-wide regulations that impose a fixed limit on debit card payments in the EU. Such limits are only typically set by banks and financial institutions, and they could vary widely based on the specific bank, as well as the type of debit card offered at the bank. Banks and financial institutions generally set these limits based on factors such as their internal policies and the creditworthiness of the account holder. For example, you can expect to see standard debit cards have lower daily spending limits compared to business or premium debit cards such as Revolut Metal, Bunq Premium, and N26 Metal, among others.
Which Is the Best Method of Payment to Choose in Europe?
Europe offers a wide range of payment options including debit cards, credit cards, bank transfers via SEPA, and local payment methods such as iDEAL (for Dutch account holders). However, there is really no “best method of payment” to choose, as it can vary based on your circumstances or specific needs.
For example, if you want to transfer money directly to someone, iDEAL may be a suitable option if you’re an account holder. However, if you want to buy modafinil or any other medications online, all the above payment options, including credit cards, may not be suitable. This is because banks, in collaboration with Big Pharma, try to discourage people from buying meds from online stores.
While some online pharmacies accept these payment methods, you’ll often experience failed transactions while trying to make a payment. The best payment method in this case is Bitcoin. It is fast, secure, and cost-effective, giving room for reasonable vendors to offer customers discounts.
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We offer a variety of shipping options to suit your needs, including international shipping and domestic options such as Intra-EU (from Poland, Germany and the Netherlands to all EU countries), AU to AU, UK to UK and US to US, ensuring your package is delivered promptly and securely.
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Shipping FAQ
At Afinil.EU we strive to provide a smooth and hassle-free shopping experience. Our service caters to customers across Europe 🇪🇺, the United States 🇺🇸, the United Kingdom 🇬🇧 and Australia 🇦🇺, offering both domestic and international shipping options. For countries outside of these regions, we provide delivery via international shipping.
International shipments may pass through major cargo hubs in Dubai, Paris, or Singapore and involve processes such as customs clearance and local transit. This typically takes 2-3 weeks, although some orders may arrive faster, within 7-10 days.
For customers within the European Union who opt for intra-EU orders, shipments from Poland, Germany or the Netherlands are handled by carriers such as DPD, DHL Germany, Correos, La Poste, Poste Italiane or your national postal service, ensuring timely and secure delivery.
The fee for International Express shipping with tracking is $39. This fee is waived for orders over $170, but this option is not available to EU customers due to strict customs regulations. Domestic shipping costs, which are generally higher, are detailed at checkout. Within the EU, shipping is €39 plus an additional 50% of your order total to offset the cost of operating local warehouses within the EU.
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SAFE & SECURE PAYMENTS
At Afinil.EU we offer a variety of payment options to accommodate our diverse customer base. You can use all major debit and credit cards for your purchases, including MasterCard, American Express and Visa.
For our European customers, PayPal and SEPA bank transfers are widely accepted, providing convenient and widely used methods for transactions within Europe.
In the United States, we facilitate alternative payment solutions that are seamless and secure, such as Zelle, ACH transfers, eCheck, and Bill Pay, to meet the preferences of our U.S. customers.
If you’re shopping with us from the UK, Faster Payments is an option for fast and efficient transactions. Meanwhile, our Australian customers can take advantage of PayID and Poli for their convenience.
Please note that PayPal payments are subject to availability and may incur a surcharge due to their strict online pharmacy policies.
In addition, for credit card payments, we may require an additional layer of security, such as Know Your Customer (KYC) checks or telephone verification, to ensure the security and integrity of your transactions.
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Buying Modafinil online in Europe is completely legal and safe for personal use in all European Union countries, the UK, the USA, and most developed nations. Our commitment to privacy is reflected in our discreet packaging, coupled with ultra-fast shipping, ensuring your order arrives quickly and securely.
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For shipments to other countries, we comply with regulations by including a customs declaration with all products marked as dietary supplements. This approach has a remarkable 97% success rate. In the unlikely event that your package doesn’t arrive, we guarantee a hassle-free reshipment in a new, discreet package at no additional cost.
For larger orders over 500 tablets, we take additional measures by splitting the order into multiple packages to minimize the risk of customs delays.
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