Payment Policy

This Payment Policy governs the payment methods accepted by Bagotica and is drafted in accordance with applicable Italian and European legislation, including provisions relating to payment services, fraud prevention and consumer protection.

Operated by: Lux Collector di Yuliya Kazlouskaya
Official email: info@bagotica.com
Official WhatsApp: +39 352 011 5018

1. Scope

This Policy applies to all purchases made through Bagotica’s sales channels, including the website, checkout and direct communications with Customers.

Bagotica operates exclusively within the European Union.

Payments are accepted solely from Customers resident or domiciled within the European Union and in accordance with the payment conditions set out below.

2. Currency

All payments are accepted exclusively in Euro (EUR).

Where a Customer uses a bank account, card or payment instrument denominated in another currency, currency conversion may be performed by the Customer’s bank, card issuer or payment service provider.

Any exchange rates or conversion charges applied by such third parties are outside Bagotica’s control and remain the responsibility of the Customer.

3. Accepted Payment Methods

Bagotica accepts the following payment methods:

— SEPA bank transfer — available for all orders;

— Card payment via Stripe — available for orders up to and including €3,000;

— PayPal — available for orders up to and including €3,000.

For orders above €3,000, payment is accepted exclusively by SEPA bank transfer.

Bagotica reserves the right to restrict a payment method where necessary for security, fraud prevention, regulatory compliance or transaction verification.

4. SEPA Bank Transfer

Where the Customer selects SEPA bank transfer during checkout, the order will be placed in reserved status pending receipt of payment.

The Customer will receive payment instructions including:

Account holder: Lux Collector di Yuliya Kazlouskaya
Bank name: BANCA POPOLARE DEL FRUSINATE
IBAN: IT31B0529703201CC1510074964
BIC / SWIFT: BPFRIT3FXXX
Payment reference: Order number

The order may be reserved for up to three (3) business days from the order confirmation date.

If payment has not been received within this period, Bagotica reserves the right to cancel the reservation and make the product available for sale again.

An order paid by bank transfer is considered paid only when the funds have been credited to Bagotica’s bank account.

5. Bank Transfer Fees

Bagotica does not charge payment processing fees for payments made by SEPA bank transfer.

Any fees, charges or currency conversion costs applied independently by the Customer’s bank or financial institution remain the responsibility of the Customer.

6. Card Payments via Stripe

Card payments via Stripe are available exclusively for orders up to and including €3,000.

Bagotica accepts major international payment cards supported by Stripe, including Visa, Mastercard and American Express, subject to availability and eligibility.

Payments are processed securely by Stripe and may be subject to authentication procedures, including 3D Secure where required, as well as fraud-prevention and security checks.

Bagotica does not store the Customer’s complete payment card details.

For orders above €3,000, card payment via Stripe is not available.

7. PayPal

PayPal is available exclusively for orders up to and including €3,000.

Payments are processed directly through PayPal and are subject to PayPal’s applicable security, authentication and account verification procedures.

For orders above €3,000, PayPal is not available.

8. Payment Verification and Security

Bagotica reserves the right to carry out additional verification before confirming or dispatching an order, particularly in connection with high-value purchases or transactions requiring additional security checks.

Where reasonably necessary for fraud prevention, payment security or regulatory compliance, Bagotica may request additional information or documentation from the Customer.

An order may remain on hold while such verification is being completed.

Bagotica reserves the right to refuse or cancel a transaction where payment cannot be verified, where information provided is inconsistent, or where reasonable security or fraud concerns arise.

9. Order Confirmation

Submission of an order does not by itself constitute confirmation that payment has been successfully received.

Orders are confirmed following successful receipt and, where applicable, verification of payment.

For bank transfers, payment is considered received when the funds have been credited to Bagotica’s bank account.

For Stripe and PayPal payments, confirmation remains subject to successful processing and any applicable security verification.

10. Refunds

Where a refund is due, it will be processed in accordance with Bagotica’s Returns & Refunds Policy and applicable consumer legislation.

Where technically possible, refunds will be made using the same payment method originally used for the transaction.

Processing and crediting times following issuance of a refund may vary depending on the Customer’s bank, card issuer or payment service provider and are outside Bagotica’s control.

11. Payment Provider and Banking Charges

Bagotica does not control fees, exchange rates or other charges independently imposed on the Customer by banks, card issuers, PayPal, Stripe or other financial institutions.

Any such third-party charges applicable directly to the Customer are governed by the terms of the relevant provider.

12. Official Contacts

For questions concerning payments or payment verification, Customers may contact Bagotica through the following official channels:

Email: info@bagotica.com
WhatsApp: +39 352 011 5018

For return and refund conditions, please refer to Bagotica’s Returns & Refunds Policy.