Payment Policy

Last Updated: September 10, 2026

At LumiSerene, we are committed to providing a secure, simple, and transparent payment experience. This Payment Policy explains the payment methods currently available on our website, how payments are processed, and what you can expect when placing an order with us.

By placing an order on LumiSerene, you agree to the terms described in this Payment Policy.

1. Accepted Payment Methods

LumiSerene currently processes online payments securely through PayPal.

Depending on your country or region, device, browser, and eligibility, the payment methods available at checkout may include:

  • PayPal
  • Credit and debit cards processed through PayPal
  • Apple Pay, where available
  • Google Pay, where available
  • PayPal Pay Later, where available and subject to PayPal eligibility

The exact payment options displayed to you may vary depending on your location, device, browser, transaction amount, and the payment services made available by PayPal.

Not every payment method will be available to every customer.

2. Credit and Debit Card Payments

Where available, customers may be able to pay using eligible credit or debit cards through PayPal’s secure payment processing system.

Available card brands may vary depending on your location and PayPal’s payment options displayed during checkout.

Your card payment is processed by PayPal. LumiSerene does not directly collect or store your complete credit or debit card information.

3. Apple Pay and Google Pay

Apple Pay and Google Pay may be available to eligible customers when supported by PayPal.

Availability depends on factors including your:

  • Country or region
  • Device
  • Browser
  • Digital wallet setup
  • Payment eligibility
  • PayPal’s supported payment services

If Apple Pay or Google Pay is available for your transaction, the option will appear during the shopping cart or checkout process.

If the option does not appear, please select another available payment method.

4. PayPal Pay Later

Eligible customers may be offered PayPal Pay Later or other installment payment options directly by PayPal.

Availability and approval are determined solely by PayPal and may depend on your location, account status, purchase amount, credit eligibility, and other requirements established by PayPal.

LumiSerene does not make lending or credit approval decisions.

Any Pay Later agreement is between you and PayPal and is subject to PayPal’s applicable terms and conditions.

5. Payment Currency

Unless otherwise stated on our website or during checkout, prices on LumiSerene are displayed and charged in U.S. Dollars (USD).

If your bank, card issuer, PayPal account, or other payment provider uses a different currency, they may convert the transaction into your local currency.

Currency conversion rates and any associated foreign transaction or conversion fees are determined by your payment provider and are outside the control of LumiSerene.

6. When Your Payment Is Charged

Payment is generally authorized and processed when you place your order.

An order is not considered successfully placed until the payment has been successfully authorized and you receive an order confirmation from LumiSerene.

If your payment cannot be completed, your order may remain unpaid, fail to process, or be automatically cancelled.

7. Payment Security

All online payments are processed through secure third-party payment services provided by PayPal.

LumiSerene does not directly store your complete credit card or debit card details on our website.

Payment information is handled according to the security standards and privacy practices of the applicable payment provider.

We also use reasonable security measures to protect customer and order information transmitted through our website.

8. Failed or Declined Payments

A payment may be declined or fail for reasons including:

  • Incorrect billing information
  • Insufficient funds
  • Card issuer restrictions
  • PayPal account restrictions
  • Security verification requirements
  • Browser or device issues
  • Payment provider authorization failure

If your payment is unsuccessful, please verify your payment information or try another available payment method.

You may also contact your bank, card issuer, or PayPal directly if the payment continues to fail.

For assistance with your LumiSerene order, please contact us at:

Email: pearl@lumiserene.com

9. Payment Verification and Fraud Prevention

For the protection of our customers and our business, certain transactions may be subject to additional payment or order verification.

We reserve the right to review, hold, decline, or cancel an order if we reasonably believe that:

  • The payment may be unauthorized
  • The billing or order information cannot be verified
  • Fraudulent activity may be involved
  • The order violates our website policies
  • Additional verification is required by the payment provider

If an order is cancelled after payment has already been successfully captured, any applicable refund will be processed according to our refund procedures.

10. Refunds

Approved refunds will normally be returned to the original payment method used for the purchase.

Refund processing times may vary depending on PayPal, your bank, your card issuer, or other payment provider.

After LumiSerene issues a refund, additional processing time may be required before the funds appear in your account.

For complete information regarding returns, cancellations, and refund eligibility, please refer to our Return & Refund Policy.

11. Duplicate or Incorrect Charges

If you believe you have been charged more than once for the same order or notice an incorrect payment amount, please contact us as soon as possible.

Please provide your:

  • Order number
  • Name used for the order
  • Email address used during checkout
  • Brief description of the payment issue

For your security, please do not send your complete credit card number, CVV, password, or other sensitive payment credentials by email.

12. Taxes, Duties, and Other Charges

Any taxes, customs duties, import fees, or other charges that may apply to an international order are handled in accordance with the information provided during checkout and our applicable shipping policies.

For more information about shipping, delivery, customs, and international orders, please refer to our Shipping Policy.

13. Changes to Available Payment Methods

LumiSerene may add, remove, or update payment providers and payment methods from time to time.

Additional payment options may become available in the future.

Only the payment methods actually displayed and available during checkout at the time of your purchase can be used to complete your order.

This Payment Policy may be updated accordingly when our payment services change.

14. Contact Us

If you have any questions about payments or experience difficulty completing your purchase, please contact us.

LumiSerene
Operated by Hangzhou Furui Intercontinental Trading Co., Ltd.
Email: pearl@lumiserene.com
Website: lumiserene.com

We will be happy to assist you with payment-related questions concerning your LumiSerene order.