Payment Policy

At Dumarko, we aim to provide a secure, transparent, and convenient payment experience for customers worldwide.

We offer a wide range of secure payment options. The methods available to you may vary depending on your country, currency, device, and eligibility, and will be displayed automatically at checkout.

Available payment methods may include:

• Major credit and debit cards
• PayPal
• Apple Pay
• Google Pay
• Shop Pay
• Klarna
• Cryptocurrency payments
• Local payment methods available in your country
• Bank transfer upon request

All online payments are processed through secure third-party payment providers, including Shopify Payments and other supported payment services.

Dumarko supports multi-currency checkout.

Prices are displayed in the local currency available for your country or region whenever supported. The currency applicable to your order will be shown clearly on the website and during checkout before payment is completed.

If your card, bank account, or payment method is denominated in a different currency from the checkout currency, your bank or payment provider may apply its own exchange rate or additional currency-conversion fees.

Dumarko does not provide financing, credit, or installment plans directly.

However, eligible customers may be offered payment options through Klarna, including deferred-payment or installment options, depending on their country, order value, and Klarna's approval criteria.

Any Klarna payment arrangement is made directly between the customer and Klarna and is subject to Klarna's own terms, conditions, eligibility requirements, and approval process.

The availability of Klarna options is determined automatically at checkout.

Cryptocurrency payment may be available at checkout through our supported payment provider.

Available cryptocurrencies, exchange rates, payment windows, network requirements, and other conditions are determined by the payment provider and will be displayed during the payment process.

Customers are responsible for sending the correct cryptocurrency, amount, and network where applicable.

An order is considered confirmed only after the selected payment method has been successfully authorized or confirmed.

For payment methods such as Klarna or other third-party payment solutions, the customer does not necessarily need to pay the entire amount directly to Dumarko at the time of purchase. The order is considered paid once the relevant payment provider confirms the transaction to us.

Dumarko does not offer informal or internally arranged split-payment plans unless explicitly agreed in writing.

Our watches are unique vintage pieces and, in most cases, only one example of each watch is available.

Products are generally sold on a first successfully paid, first served basis.

Adding a watch to your cart, beginning the checkout process, requesting payment information, or contacting us about a watch does not automatically reserve the item.

A watch is considered sold once payment has been successfully confirmed.

After payment, you may contact us to request a delayed shipment if necessary.

Bank transfer is available upon request.

Please contact us to receive our bank details. Bank accounts are available in EUR, PLN, and USD.

When making a bank transfer, please follow the payment instructions provided by our team.

Requesting bank details does not automatically reserve a watch unless otherwise agreed with us in writing.

A watch will normally be considered sold once the transfer has been received or the payment has otherwise been verified and confirmed by our team.

If payment is not received within 5 business days, and no alternative arrangement has been agreed, the watch may be made available for sale again.

Payments made through our website are processed using secure payment infrastructure provided by Shopify and the relevant payment providers.

Dumarko does not directly store or process your full credit or debit card details.

Additional security verification, including 3D Secure authentication, may be required by your bank or payment provider for certain transactions.

For security and fraud-prevention purposes, some orders may be subject to additional verification before shipment.

Not every payment method is available in every country.

The payment methods shown during checkout are determined based on factors such as:

• Your country or region
• Checkout currency
• Payment-provider availability
• Device and browser
• Order value
• Eligibility requirements of the payment provider

The options displayed at checkout represent the payment methods currently available for your specific order.

Payment must be successfully confirmed before an order can be processed for shipment.

Dumarko reserves the right to request additional information or verification when reasonably necessary for payment-security or fraud-prevention purposes.

If a payment is declined, cancelled, expired, or otherwise not successfully completed, the watch remains available for purchase unless we have explicitly agreed otherwise.

If you have any questions regarding payment methods, currencies, bank transfers, or the checkout process, please contact our team — we will be happy to assist you.