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Common Credit Card and Billing Questions

Making a payment on our platform is easy! We offer a variety of payment methods to suit different preferences and locations. Our primary payment options include major credit cards such as Mastercard, Visa and American Express (AmEx), PayPal and SEPA Bank Transfer by IBAN. We also accept alternative country-specific payment methods tailored to specific regions: Zelle, ACH Payment and Bill Pay for the US, PayID and BPAY for Australia and Faster Payments for the UK. For cryptocurrency enthusiasts, we welcome Bitcoin (both on-chain and lightning network), Altcoins (ETH, XRP, XMR, ADA, BNB, LTC, BCH, DOGE, etc.) and stable coins (USDT, USDC, etc.), with a 20% discount on all crypto payments.

Payment methods may change dynamically based on several factors, so please check the checkout page for the latest options available. If your card is declined and you haven’t received an order confirmation, don’t worry. Before you contact us, please visit this page. It contains valuable information that our support team can use to help you resolve the problem.

Let’s Go Over Some Key Facts

  • Combined Efforts of Big Pharma and Banks Against Us

    This coalition of popular bankers and Big Pharma tycoons has introduced laws that make it difficult for us to accept your preferred payment options such as cards and PayPal. Every "smart drug" transaction is a new hurdle. But don't worry, we've found a solution. We are still happy to accept standard payments such as major credit and debit cards (Mastercard, AmEx and Visa) and PayPal. For our US and UK customers, we offer seamless and secure alternatives such as Zelle and Faster Payments, respectively. Thanks to our sophisticated payment system, you won't see the name of AfinilEU on your bank statement. Instead, transactions on your statement will look similar to purchases made in a garden shop in the USA, for example.

  • Insider Tips, PayPal Surcharge & Bitcoin Appreciation

    For e-pharmacies like ours, the use of third party payment gateways is often costly. These gateways charge significant fees, sometimes as much as 38% of the payment amount, significantly surpassing the standard fee of 2.5%, just for processing card and PayPal payments. While we cover most of these costs ourselves, certain payment methods, such as PayPal, charge an additional €20 fee. We also don't allow the use of vouchers or discounts on PayPal transactions, and making multiple payments for a single order complicates the refund process. This is where Bitcoin comes in as a viable solution. By using cryptocurrencies such as BTC, we not only avoid excessive fees but also extend the 20% discount normally reserved for traditional banking transactions. Opting for modern payment solutions not only saves you money but also guarantees anonymous and secure transactions, protecting your payment information.

  • Essential Advice for Credit Card Users

    Depending on our existing payment partners, you may be required to verify your address, phone number and other details to confirm that you're the legitimate owner of the credit card. Unusual or high-risk transactions trigger additional verification steps to ensure security. This helps prevent unauthorised transactions, identity theft and fraudulent activity. By confirming your identity, banks can protect your funds and personal information. So, it's really important to make sure that the payment address and phone number you provide match what's on file with your card provider. And here's a useful tip: Some EU banks automatically block transactions from overseas. So, it's a good idea to contact your card provider before you purchase to let them know you're comfortable making transactions abroad. This can help streamline your "smart drug" purchase process. However, be aware that your bank may charge additional fees for overseas transactions. Unfortunately, we don't get any of these extra fees; it's just your bank's way of maximising profits. Also, if your card is declined, check that you have sufficient funds in your account and that your postcode matches your card details. These are the most common reasons for a declined transaction.

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Table of Contents

FAQs on Credit Card & Phone Verification

What should I do if my card is declined and what are the next steps?

Learn How Our Billing System Works in Our Explainer Video

  • Verify Your Credit Card Balance First

    There are several reasons why a transaction may not go through, such as insufficient funds, incorrect billing details or your card provider's security measures. Make sure your card has enough funds, and note that your bank, not us, may charge an additional 3–5% fee for international transactions.

  • Validate Your Phone Number & Postcode

    To facilitate credit/debit card transactions on our platform, we may need to verify your phone number. To ensure a seamless experience, please provide a valid number when placing your order and carefully check your billing details, including your postcode and address. These must match the details on file with your card provider. Our payment processing partner will contact you for verification purposes. This usually involves a brief call where you'll need to confirm (1) the total cost of your order and (2) the seller's name (AfinilEU) with the agent.

  • Allow Foreign Transactions Through Your Card Company

    Your card provider may sometimes block certain transactions, especially international ones, as a precaution against fraud. If your transaction is declined, this could be the reason. If you are experiencing difficulties, simply contact your bank and ask them to authorise international transactions. Once they do, you'll be able to shop around the world without any problems.

Phone verification is a crucial step in validating a genuine transaction. Most importantly, it’s not a sales pitch. If you’ve placed an order but haven’t received an email confirmation, your transaction may have triggered a manual verification and hasn’t been completed yet. In such cases, our payment processor will contact you with a polite call to authenticate your purchase from the AfinilEU online pharmacy. If we can’t verify the transaction within 5 working days, the payment will be declined and your order will not be processed.

If you are contacting your bank or credit card company to authorise a foreign transaction or to inquire about a recent purchase, remember that this is different from telephone verification. It’s best to avoid mentioning the AfinilEU online pharmacy or prescription drugs during your conversation with the bank, as these purchases are not approved by major banks or credit card companies. Mentioning Rx drugs could result in PayPal suspending both your and our accounts. Instead, simply explain that the transaction involves online shopping from abroad. This approach will facilitate a smoother process and ensure timely delivery of your medication.

Still having problems with your card? Try using a different card or experimenting with different payment methods. If none of these work, please don’t hesitate to contact our dedicated customer support team for further assistance.

Valuable Payment Processing Advice

Your bank has approved the transaction, or maybe you haven't noticed any payment attempts on your account. Unsure what to do next?
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  • If Your Bank Has Authorised Your Transaction...

    Once your bank has approved the overseas transaction and you've completed the telephone verification process, you should receive an order confirmation email within 2 days. Rest assured, you won't be charged twice; we routinely cancel previous orders under the same name to avoid duplicate charges. If you see a charge but haven't received an order confirmation email, your payment is likely being pre-authorised. This means that no money will be taken until we verify your transaction over the phone. Banks may hold funds on such orders for up to 5 working days before either authorising or declining the payment. When paying with PayPal, please refrain from sending multiple payments for the same order. Why is this? Refunds are not available for PayPal transactions.

  • Why Have I Been Charged a Foreign Transaction Fee?

    Have you noticed a fee that's higher than expected? It could be because your bank charges extra for international transactions. When processing payments abroad, banks may add a foreign transaction fee, usually around 3% to 5%, for each international payment. Please be aware that neither AfinilEU nor the payment processor benefits from this fee. It's your bank that takes this percentage! To avoid any unexpected fees, it's a good idea to contact your bank and ask about any foreign transaction fees before completing your purchase.

  • I Haven’t Noticed Any Payment Attempts from AfinilEU, What's the Issue?

    If you've already contacted your bank and haven't seen any payment attempts from us, your "smart drug" transaction may be waiting for phone verification. Don't worry! A member of our payment team will contact you shortly for a pleasant chat to confirm your recent purchase from AfinilEU. If we can't verify the transaction over the phone within 5 working days, your "smart drug" order will be automatically cancelled. If you're still having trouble verifying your order, we're always ready to help! Don't hesitate to contact our support team.

Explore Our Short FAQ on Credit Card Billing

If your payment wasn’t successful, it could be for reasons such as your bank blocking the transaction, especially for international purchases. To resolve this, contact your card provider, inform them of the declined transaction and request authorisation without mentioning any specific products you wish to order or our website’s name; simply explain that you’re shopping online. Once authorised, try the payment again. If it is still unsuccessful, consider using a different card or payment method for your transaction. You may also want to consider using Bitcoin, the revolutionary, barrier-free monetary system.

It’s a green light for you to place your new order. Don’t worry, we’ll cancel any previous orders under the same name to avoid duplicate charges. If you’re using PayPal, please avoid sending multiple payments for the same order, as refunds are not available for PayPal transactions.

We may need to confirm your transaction over the phone. Our payment processing team will contact you shortly to finalise the details.

If you notice multiple charges on your account without receiving an order confirmation, your transaction may require telephone verification before it can be processed.

If you haven’t received confirmation of your “smart drug” payment, simply place a new order if necessary. Rest assured, we’ll take care of cancelling any previous orders for you. If your payment has already been confirmed, but you want to cancel it, no problem! You only have a 2-hour window after payment to do so.

Before initiating a chargeback, we encourage you to contact us first to request a refund. Proceeding directly with a chargeback without first contacting us may be considered fraudulent under EU regulations. Let’s work together to resolve this situation before you take any drastic measures!

Absolutely! Rest assured, we use SSL certification and 128-bit encryption to protect all your Modafinil transactions. We don’t store your credit card details.

It can take between 2 and 30 working days to process your refund. You should normally see it in your account within 4 to 7 working days.

Of course, we do! We’re happy to accept these forms of payment as long as they’re enabled for international use. It’s a convenient way to access our services while enjoying the flexibility of your preferred payment method.

Unfortunately, we are not able to facilitate transactions via Western Union at this time.

Card providers and banks often prohibit direct online purchases of prescription medicines. However, we’ve found a legitimate workaround that involves a quick phone verification and possibly approval from your bank. It’s all about compliance and your peace of mind.

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Yes, We Generally Accept PayPal Payments

While we do accept PayPal, it's important to note that our refund process does not currently include this payment method. However, rest assured that we have a straightforward refund process in place. You'll receive your refund as a store credit quickly and easily.
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  • Warning: Extra Charge for PayPal Transactions

    Due to PayPal's restrictions on online pharmacies, we've had to rely entirely on vendors to successfully process payments, incurring substantial fees of €20 per transaction. Unfortunately, our amazing voucher codes can't be applied to PayPal payments. But there's a solution! Consider using Bitcoin for a smoother payment experience. Plus, you get a fantastic 20% discount on your entire order as a bonus!

  • Please Don't Send Multiple Order Payments via PayPal

    We kindly ask you to avoid sending multiple payments for the same order via PayPal. It's important to note that PayPal has strict policies regarding transactions involving e-pharmacies, including both incoming and outgoing payments. Unfortunately, refunds cannot be facilitated through this platform due to these policies, which are beyond our control.

  • Why Is PayPal Not Available for Refunds? What Should I Do If I Need One?

    We regret to inform you that we can't process refunds through PayPal due to our specific payment processing method. While PayPal does allow refunds, using it for transactions with AfinilEU may result in the permanent suspension of your PayPal account. PayPal maintains strict regulations against online pharmacy transactions and restricts any involvement with such entities. However, you do have the alternative of receiving a store credit. Feel free to contact our support team to arrange this option. This store credit is versatile and can be used for future "smart drug" purchases on our platform, giving you the flexibility of cash!

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.

Effortless Bitcoin Transactions

Enjoy a 20% discount now! Discover the benefits of using cryptocurrencies like Bitcoin! With peer-to-peer transactions, there's no need to rely on banks or middlemen, streamlining the payment process and reducing associated fees.

Explore the Advantages of Bitcoin

  • No Middlemen

    Bitcoin transactions take place directly between users, eliminating the need for banks or other middlemen. This results in faster transactions and lower costs. Take advantage of our special 20% discount on all Bitcoin purchases, as we pass the savings from reduced transaction fees on to you.

  • Unparalleled Privacy

    Bitcoin transactions offer unparalleled privacy compared to traditional payment methods. Although all BTC transactions are recorded on the blockchain, the identities of the people involved remain hidden. In addition, using crypto is remarkably simple. Once you've set up your BTC wallet and purchased some Bitcoins, making transactions is as easy as emailing.

  • As Effortless as Emailing

    We get it – diving into crypto can feel daunting, especially if it's unfamiliar territory, but fear not, we're here to guide you! Check out our concise and straightforward video tutorial to start your Bitcoin journey with ease. If you run into any problems along the way, our support agents are just a message away. So, why not think about giving Bitcoin a try? You might find it surprisingly intuitive!

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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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