Payments Terms

Touch Nest Payment Terms & Policy (Netherlands Compliant)

Last Updated: 03/23/2025

At Touch Nest, we strive to provide a seamless and secure shopping experience. Our Payment Terms & Policy complies with Dutch e-commerce regulations and ensures safe, transparent, and fair transactions for all our customers. Please read this policy carefully before making a purchase.

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1. Accepted Payment Methods

We offer a variety of payment options to cater to different preferences in the Netherlands and internationally.

✅ iDEAL – The most widely used payment method in the Netherlands, allowing instant bank transfers.
✅ Credit/Debit Cards – Visa, MasterCard, American Express, Maestro.
✅ Klarna Pay Later – Buy now, pay within 30 days (subject to approval).
✅ Klarna Pay in 3 – Split your purchase into three equal payments (interest-free).
✅ AfterPay/Riverty – Receive your order first and pay within 14 days (available for approved customers).
✅ PayPal – Secure checkout with Buyer Protection.
✅ Apple Pay & Google Pay – Fast and secure mobile payment options.
✅ Bancontact – For Belgian customers, allowing direct bank payments.
✅ SOFORT Banking – Direct bank transfers for EU customers.
✅ SEPA Direct Debit – Automatic bank transfer for recurring payments.

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2. Payment Processing & Security

🔒 Secure Transactions:

• All payments are processed through SSL-encrypted gateways, ensuring high security.
• We do not store any payment details on our servers. Payments are processed via trusted third-party providers such as Stripe, Mollie, PayPal, and Klarna.

   Payment Authorization & Processing Time:

• All payments are authorized immediately after checkout.
• Depending on the payment method, funds may take 1-3 business days to be fully processed.
• Orders paid via Klarna, AfterPay, or SEPA Direct Debit may take additional verification time.

❌ Failed Payments:

• If a payment fails, the order will not be processed until a successful payment is made.
• Customers will be notified via email about the failure and can attempt the payment again.

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3. Klarna & AfterPay – Pay Later Terms

📌 Pay Later with Klarna (30 Days):

• Customers can place an order and pay within 30 days after shipment.
• Klarna will send reminders, and failure to pay may result in late fees and credit reporting.

📌 Pay in 3 Installments (Interest-Free):

• Customers can split payments into three equal parts, deducted monthly.
• The first installment is charged at checkout, and the rest are deducted automatically.

📌 AfterPay/Riverty (14 Days):

• Customers can place an order and pay within 14 days after delivery.
• A credit check may be required, and late payments may incur additional fees.

Note: Klarna and AfterPay payments are subject to approval by their respective providers. If a payment is rejected, Touch Nest has no influence over the decision.

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4. Taxes & Additional Fees

📌 VAT (BTW) Charges

• All prices listed on our website are inclusive of VAT (BTW) as required by Dutch tax law.
• The VAT percentage is applied based on the product category (e.g., 21% standard VAT, 9% for essential goods).
• Customers outside the EU may not be charged VAT, but import duties may apply.

📌 Import Duties & Customs Fees (International Orders)

• For customers ordering outside the EU, additional customs duties, import taxes, and clearance fees may be charged by local authorities.
• Touch Nest is not responsible for these charges, and customers must pay them upon delivery.

📌 Transaction Fees

• Touch Nest does not charge additional transaction fees. However, some payment providers (such as PayPal) may charge a small transaction fee based on your payment method.

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5. Payment Confirmation & Order Processing

✔️ Once payment is successfully received, customers will get an email confirmation with the order details.
✔️ If an order is flagged for manual review (due to high-value purchases or suspicious activity), processing may take up to 24 hours.
✔️ Orders paid via SEPA Direct Debit, Klarna, or AfterPay may take additional time for verification.

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6. Refunds & Payment Reversals

     Refund Processing Time

• If eligible for a refund, payments will be processed within 5-10 business days after approval.
• Refunds will be issued to the original payment method only.

📌Refund Timelines by Payment Method:

❗ Non-Refundable Charges:

• Shipping fees (unless the return is due to a fault on our side).
• Klarna/AfterPay service fees (if applicable).
• Import duties or VAT paid outside the EU.

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7. Chargebacks & Fraud Prevention

🚨 Fraudulent Transactions:

• All transactions are monitored for fraud. If suspicious activity is detected, the order may be canceled or delayed for further verification.
• Touch Nest reserves the right to refuse service if fraudulent activity is suspected.

❌ Unauthorized Chargebacks:

• If a chargeback is filed without legitimate cause, Touch Nest reserves the right to dispute it and pursue legal action if necessary.
• Customers who initiate fraudulent chargebacks may be blacklisted from future purchases.

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8. Subscription & Recurring Payments

Subscription-Based Orders:

• If Touch Nest offers subscription-based services, customers will be billed on a recurring basis (monthly/quarterly).
• Customers can cancel or modify subscriptions anytime before the next billing cycle.

SEPA Direct Debit Authorization:

• Customers choosing SEPA Direct Debit for recurring payments authorize Touch Nest to withdraw funds on the agreed schedule.
• Any disputes or cancellations must be reported at least 3 business days before the next payment date.

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9. Payment Disputes & Resolution

How to Report a Payment Issue
If you encounter any payment-related issues (failed transactions, duplicate charges, etc.), please contact us:
📧 Email: support@touchnest.nl
💬 Live Chat: Available Monday – Friday, 9:00 AM – 6:00 PM (CET)

Legal Compliance & Consumer Rights

• Touch Nest operates under Dutch and EU e-commerce laws, including the Distance Selling Act (Wet Koop op Afstand).
• If a payment dispute is unresolved, customers can escalate the issue to:
  • ACM ConsuWijzer (Authority for Consumers & Markets Netherlands)
  • European Consumer Centre (ECC-Netherlands)

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Final Notes

By placing an order on Touch Nest, you agree to these Payment Terms & Policy. Touch Nest reserves the right to update these terms at any time. Any changes will be posted on this page.