Payment Policy

Payment Policy

1. Business Information

ReMar NCLEX
Owner: Regina Callion MSN RN
Business Address: PO Box 1924, Warren, Ohio, 44482, United States
Email: contact.remarnclex@gmail.com
Phone: +1 (855) 909-1901
Text: +1 (866) 738-3974

Business Hours: Monday to Friday, 09:00 AM to 6:00 PM GMT
Order Cut-off Time: 6:00 PM GMT
Response Time: We aim to respond within 24 to 48 hours

2. Payment Processing Overview

2.1 Payment Processor

All payments are securely processed through Shopify Payments, our trusted payment gateway. Shopify Payments ensures the highest level of security and compliance with industry standards for your financial information.

2.2 Currency

All prices are listed and charged in United States Dollars (USD) unless otherwise specified. International customers will see the USD amount on their billing statements, though their bank may display the converted amount in their local currency.

2.3 Payment Security

We are PCI DSS Level 1 compliant through Shopify Payments, which means your payment information is protected by the highest security standards in the payment processing industry.

3. Accepted Payment Methods

3.1 Credit and Debit Cards

We accept the following major credit and debit cards through Shopify Payments:

Domestic Cards (United States):

  • Visa
  • Mastercard
  • American Express
  • Discover

International Cards:

  • Visa (worldwide)
  • Mastercard (worldwide)
  • American Express (most countries)
  • JCB (Japan and select countries)
  • Diners Club (select countries)

3.2 Digital Wallets

Supported Digital Payment Methods:

  • Apple Pay (iOS devices and Safari browser)
  • Google Pay (Android devices and Chrome browser)
  • Shop Pay (Shopify's accelerated checkout)
  • PayPal (select regions)

3.3 Alternative Payment Methods

Additional Options:

  • PayPal (where available)
  • Bank transfers (for large orders, contact customer service)
  • Installment payments (through Shopify's partners, where available)

3.4 Payment Method Verification

For security purposes, we may require additional verification for:

  • First-time large purchases
  • International high-value transactions
  • Multiple failed payment attempts
  • Orders from high-risk locations

4. Payment Processing and Timing

4.1 When Payments Are Charged

Immediate Charging: Payment is processed immediately upon order confirmation for:

  • Digital products (V2 App access, Question Bank, CAT Exams)
  • Physical products in stock
  • Subscription services

Authorization vs. Capture:

  • Payment is authorized immediately
  • Full charge occurs upon order fulfillment
  • Pre-authorization may appear as pending on your statement

4.2 Payment Confirmation

Order Confirmation: You will receive:

  • Email confirmation with order details
  • Payment receipt with transaction ID
  • Order number for tracking purposes
  • Expected delivery/access timeframes

4.3 Processing Times

Digital Products: Immediate access upon successful payment (typically 5-15 minutes) Physical Products: Payment processed immediately, shipping within 1-3 business days Subscription Services: Immediate activation upon first payment

5. Subscription and Recurring Payments

5.1 Subscription Services

Available Subscriptions:

  • Monthly V2 App access
  • Quarterly Question Bank subscriptions
  • Annual comprehensive packages
  • Extended access plans

5.2 Automatic Renewal

Auto-Renewal Terms:

  • Subscriptions automatically renew unless cancelled
  • Renewal occurs on the same date each billing cycle
  • Payment charged to the same payment method used for initial purchase
  • Email reminder sent 7 days before renewal

5.3 Subscription Management

Customer Control:

  • Cancel anytime through your account dashboard
  • Modify payment method in account settings
  • Upgrade or downgrade subscription levels
  • Pause subscriptions (contact customer service)

5.4 Failed Subscription Payments

Retry Process:

  • First retry: 3 days after initial failure
  • Second retry: 7 days after initial failure
  • Final retry: 14 days after initial failure
  • Account suspension after final failed attempt

Reactivation:

  • Update payment method to reactivate
  • Account access restored immediately upon successful payment
  • No penalty fees for payment failures

6. International Payments

6.1 Global Acceptance

We welcome students from around the world and accept international payments through Shopify Payments from most countries.

Supported Regions:

  • United States and Canada
  • European Union countries
  • United Kingdom
  • Australia and New Zealand
  • Asia-Pacific (most countries)
  • Latin America (select countries)
  • Many other international locations

6.2 Currency Conversion

Automatic Conversion:

  • Your bank will convert USD charges to your local currency
  • Conversion rates determined by your card issuer
  • We do not control conversion rates or foreign transaction fees

Foreign Transaction Fees:

  • May be charged by your bank or card issuer
  • Typically 1-3% of transaction amount
  • Contact your bank for specific fee information

6.3 International Card Verification

Additional Security:

  • International orders may require additional verification
  • CVV code verification mandatory
  • Billing address must match card issuer records
  • Phone verification may be required for large orders

7. Payment Verification and Security

7.1 Fraud Prevention

Security Measures:

  • Real-time fraud monitoring through Shopify Payments
  • Address verification system (AVS)
  • CVV verification for all transactions
  • Suspicious activity monitoring
  • Secure SSL encryption for all payment data

7.2 Verification Requirements

May Be Required For:

  • Orders over $500
  • Multiple orders in short timeframe
  • Shipping address different from billing address
  • High-risk geographic locations
  • Unusual purchasing patterns

7.3 Payment Holds

Temporary Holds May Occur For:

  • First-time customers with large orders
  • International high-value transactions
  • Orders flagged by fraud prevention systems
  • Verification of payment method ownership

Resolution Process:

  • Email notification of hold status
  • Instructions for verification provided
  • 24-48 hour resolution timeframe
  • Customer service support available

8. Failed Payments and Declined Transactions

8.1 Common Reasons for Declined Payments

Technical Issues:

  • Insufficient funds
  • Expired card
  • Incorrect card information
  • Billing address mismatch
  • Daily spending limit exceeded

Security Reasons:

  • Fraud prevention triggers
  • International transaction blocks
  • Unusual spending patterns
  • Card reported lost or stolen

8.2 Resolving Failed Payments

Immediate Steps:

  1. Verify card information accuracy
  2. Check available credit/funds
  3. Contact your bank to authorize international transactions
  4. Try an alternative payment method
  5. Contact our customer service for assistance

Customer Support:

  • We provide detailed error messages when possible
  • Customer service can help identify specific issues
  • Alternative payment arrangements available

8.3 Order Status After Payment Failure

Digital Products: Access not granted until successful payment Physical Products: Order held until payment resolution Subscriptions: Service suspended until payment updated

9. Refunds and Payment Reversals

9.1 Refund Processing

Refund Method: All refunds are processed back to the original payment method used for purchase.

Processing Times:

  • Credit Cards: 5-10 business days
  • Debit Cards: 3-7 business days
  • PayPal: 3-5 business days
  • Digital Wallets: 1-3 business days

9.2 Partial Refunds

Circumstances:

  • Partial product returns
  • Prorated subscription cancellations
  • Shipping cost adjustments
  • Promotional discount corrections

9.3 Refund Limitations

Non-Refundable Charges:

  • Payment processing fees (retained by payment processors)
  • International wire transfer fees
  • Currency conversion fees charged by banks
  • Third-party service fees

Note: See our Return and Refund Policy for complete refund terms and conditions.

10. Disputes and Chargebacks

10.1 Dispute Resolution

Preferred Process:

  1. Contact us directly before initiating disputes
  2. Email: contact.remarnclex@gmail.com
  3. Phone: 1-855-625-3966
  4. Most issues resolved within 24-48 hours

10.2 Chargeback Policy

Our Commitment:

  • We will work with you to resolve issues before chargebacks
  • Comprehensive documentation provided for legitimate disputes
  • Evidence submission to payment processors when necessary

Chargeback Consequences:

  • Account may be suspended pending resolution
  • Access to services may be restricted
  • Additional verification required for future purchases

10.3 Fraudulent Chargebacks

Protection Measures:

  • Detailed transaction records maintained
  • Customer communication logs preserved
  • Service usage data tracked
  • Legal action reserved for fraudulent claims

11. Taxes and Additional Fees

11.1 Sales Tax

Domestic Orders:

  • Sales tax calculated automatically for applicable states
  • Based on shipping address for physical products
  • Based on billing address for digital products
  • Tax rates determined by local jurisdiction requirements

International Orders:

  • No US sales tax applied to international orders
  • Customers responsible for local taxes and duties
  • VAT and GST calculated where required by law

11.2 Additional Fees

Potential Additional Charges:

  • Shipping and handling (physical products only)
  • International payment processing fees
  • Currency conversion fees (charged by your bank)
  • Failed payment retry fees (if applicable)

No Hidden Fees:

  • All applicable fees shown before payment confirmation
  • Transparent pricing with no surprise charges
  • Clear breakdown of all costs at checkout

12. Payment Data Protection

12.1 Data Security

Protection Standards:

  • PCI DSS Level 1 Compliance through Shopify Payments
  • SSL encryption for all payment data transmission
  • Secure tokenization of stored payment information
  • Regular security audits and monitoring

12.2 Data Retention

Payment Information:

  • Credit card numbers never stored on our servers
  • Only encrypted tokens stored for subscription management
  • Payment history maintained for tax and accounting purposes
  • Data retention complies with legal requirements

12.3 Privacy Protection

Your Rights:

  • Access to your payment history
  • Ability to update stored payment methods
  • Option to remove saved payment information
  • Transparent privacy practices

Note: See our Privacy Policy for complete data protection details.

13. Educational Product Considerations

13.1 Academic Pricing

Student Discounts:

  • Special pricing for verified nursing students
  • Group discounts for nursing programs
  • Military and healthcare worker discounts
  • Promotional pricing during peak exam periods

13.2 Payment Plans

Flexible Options:

  • Extended payment plans for comprehensive packages
  • Layaway options for expensive bundles
  • Custom payment arrangements for financial hardship
  • Contact customer service to discuss options

13.3 Financial Aid and Sponsorship

Third-Party Payments:

  • Institutional purchase orders accepted
  • Employer reimbursement support provided
  • Payment on behalf of students (with authorization)
  • Tax-deductible receipts provided for educational expenses

14. Customer Support for Payment Issues

14.1 Payment Support Team

Dedicated Assistance:

  • Specialized payment support available
  • Technical troubleshooting for payment issues
  • Account management for subscription problems
  • International payment guidance

14.2 Contact Information

Payment-Related Issues:

  • Email: contact.remarnclex@gmail.com (Subject: "Payment Issue")
  • Phone: +1 (855) 909-1901
  • Text: +1 (866) 738-3974
  • Response Time: 24-48 hours

14.3 Information to Provide

When Contacting Support:

  • Order number or transaction ID
  • Last 4 digits of payment method used
  • Error message received (if any)
  • Date and time of attempted payment
  • Description of the issue

15. Policy Updates and Changes

15.1 Payment Policy Changes

Notification Process:

  • Email notification to all customers
  • Website announcement of changes
  • 30-day notice for significant changes
  • Grandfathering of existing subscriptions

15.2 Payment Method Updates

New Options:

  • Additional payment methods added regularly
  • Regional payment options expanded when possible
  • Notification when new methods become available

15.3 Pricing Changes

Advance Notice:

  • 30-day notice for subscription price changes
  • Existing subscribers locked in for current billing cycle
  • New pricing applies to new purchases and renewals

16. Legal and Compliance

16.1 Regulatory Compliance

Standards Adherence:

  • PCI DSS compliance through Shopify Payments
  • State and federal tax law compliance
  • International payment regulation compliance
  • Anti-money laundering (AML) procedures

16.2 Terms Integration

This Payment Policy is incorporated into our Terms of Service and should be read in conjunction with our:

  • Terms of Service
  • Privacy Policy
  • Return and Refund Policy
  • Shipping Policy

Important Notes:

  • This policy is subject to change with advance notice
  • Payment processing fees are non-refundable
  • We reserve the right to refuse payments from high-risk sources
  • All disputes governed by Ohio state law and our Terms of Service

For payment assistance or questions about this policy, please contact our customer service team. We're here to help make your payment experience as smooth as possible.