Payment & Security

How we process payments, protect your data, and keep every transaction secure.

Accepted Payment Methods

NK Care accepts the following payment methods at checkout:

• Credit cards: Visa, Mastercard, American Express, Discover
• Debit cards: Any Visa or Mastercard branded debit card
• Digital wallets: Apple Pay and Google Pay

All payments are processed in US dollars. If your card is issued in a different currency, your bank or card issuer will convert the charge at their prevailing exchange rate. We do not add any currency conversion surcharges.

Billing Descriptor

When you make a purchase from NK Care, the charge on your bank or credit card statement will appear as NK CARE. If you see a charge from NK CARE that you do not recognize, please review your recent orders with us before contacting your bank. If you still believe the charge is unauthorized, email us at support@nkcareco.store with the charge amount and date, and we will investigate immediately.

We strongly encourage you to contact us before initiating a chargeback or dispute with your bank. In most cases, we can resolve billing questions faster than the dispute process, and contacting us first avoids the delays and complications that chargebacks create for both parties. Our team typically resolves billing inquiries within one business day.

Encryption & Data Protection

Your connection to nkcareco.store is protected by HTTPS with TLS 1.2 or higher encryption. This means that every piece of data transmitted between your browser and our servers — including payment information, personal details, and order data — is encrypted in transit and cannot be intercepted or read by third parties. You can verify this by looking for the padlock icon in your browser’s address bar when visiting any page on our site.

We maintain a valid SSL/TLS certificate issued by a trusted certificate authority. The certificate is renewed automatically to ensure uninterrupted protection. All administrative access to our systems requires multi-factor authentication, and access to customer data is restricted to the minimum number of team members required to fulfill orders and provide support.

PCI-DSS Compliance

NK Care processes all payments through a certified PCI-DSS Level 1 payment service provider. PCI-DSS, the Payment Card Industry Data Security Standard, is the highest level of security certification available for organizations that handle card payments. Our compliance means:

• Card tokenization: Your credit or debit card number is converted into a secure token the moment you enter it at checkout. The token is used to process the payment, but the actual card number is never stored on our servers, in our database, or in any log file. Even in the unlikely event of a data breach, your card number would not be accessible.
• Secure vault storage: Tokenized payment data is stored in a PCI-DSS certified secure vault operated by our payment processor. This vault is subject to regular third-party security audits and penetration testing.
• No local storage: We do not store your full card number, expiration date, or CVV at any point in the transaction process. Your browser communicates directly with our payment processor’s secure servers for the card entry portion of checkout.

Fraud Prevention

Every transaction at NK Care passes through real-time fraud screening before it is approved. Our fraud prevention system evaluates multiple risk signals including billing and shipping address consistency, card verification value (CVV) matching, IP address geolocation, and historical transaction patterns. This automated screening runs in milliseconds and does not delay your checkout experience.

If our system flags a transaction as potentially fraudulent, we may contact you by email to verify the order before processing it. This is done to protect you. We will never ask for your full card number, CVV, or password by email. If a transaction is declined by our fraud screening, you will see a message at checkout explaining that the payment could not be processed. In most cases, trying again with correct billing information resolves the issue. If it persists, contact your card issuer to ensure the transaction is not being blocked on their end.

Pricing & Tax

All prices on nkcareco.store are listed in US dollars. Applicable sales tax is calculated and displayed at checkout based on your shipping address and current state and local tax requirements. Tax rates are determined automatically using our tax compliance provider and are updated regularly to reflect current law. Tax is calculated on the order subtotal after any applicable discounts.

Refund Processing

When a refund is issued, it is returned to the original payment method used at checkout. Credit and debit card refunds typically appear on your statement within five to ten business days, depending on your card issuer’s processing schedule. Digital wallet refunds (Apple Pay, Google Pay) generally process within three to five business days. If more than ten business days have passed since your refund was issued and you have not seen it on your statement, contact your bank or card issuer first. If they are unable to locate the refund, email us with your order number and we will provide a transaction reference ID they can use to trace it.

Disputes & Chargebacks

If you have a question about a charge, need a refund, or believe something is wrong with your order, please contact us at support@nkcareco.store before initiating a chargeback with your bank. Chargebacks trigger an investigation process that can take 30 to 90 days to resolve and may result in your account being restricted during that period. In contrast, our support team can typically resolve billing issues within one business day, issue refunds in two to three business days, and provide documentation of the resolution for your records.

We take every dispute seriously and work to resolve each one fairly. If you do initiate a chargeback, we will respond with documentation of the transaction, shipping records, and any relevant communication. We document all customer interactions to ensure accurate dispute resolution.

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