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العربية

Al Sharhan Industries

Payment Policy

E-Commerce Website
alsharhankw.com

1. INTRODUCTION

This Payment Policy governs all payments made through the Al Sharhan Industries eCommerce Website (“alsharhankw.com”).

By placing an order, the Customer agrees to the terms set out in this Payment Policy, in addition to the Company’s Terms & Conditions.

We do not retain your credit card details on our website. All payment details which are entered through the website payment gateway are encrypted when you enter them. Communications to and from the service provider’s site are encrypted.

We cannot provide any of your payment information (that is processed by our payment merchant) that is obtained via the web to other companies or individuals unless required to by law.

Your debit or credit card details must be truthful, valid and accurate, and you shall use the debit or credit card which is lawfully owned by you. The said information will neither be utilized nor shared by the online service with any third parties unless required for fraud verifications, regulation or court order. The Company shall not be liable for any unauthorized, fraudulent, or unlawful use of a payment card by any third party, and the liability for use of a card fraudulently will be your responsibility.

2. ACCEPTED PAYMENT METHODS

The Company currently accepts the following payment methods:

  • KNET (Kuwait National Electronic Banking System)
  • Visa
  • Mastercard
  • Apple Pay

All online payments are processed securely via third-party payment service providers, including MyFatoorah and/or other licensed payment gateways.

3. PAYMENT PROCESSING

All payments are processed at the time of order placement.

The Customer confirms that:

  • They are authorized to use the selected payment method
  • All payment details provided are accurate and valid
  • Sufficient funds or credit are available for transaction completion

The Company reserves the right to decline or cancel any order where payment authorization fails or is suspected to be fraudulent.

4. PAYMENT SECURITY

All transactions are processed through secure, PCI-DSS compliant payment gateways.

The Company does not store:

  • Full credit/debit card numbers
  • CVV/security codes
  • Banking authentication credentials

All payment data is handled directly by the payment service provider in accordance with their security standards.

4.1 Customer hereby acknowledges it’s the legitimate owner of the Bank Card used for the payment of the purchase transaction

4.2 Customer acknowledges that its information is true and correct

4.3 Customer undertakes not to use the purchased Products for fraudulent purposes or violation of law

4.4 Customers shall bear full liability and repercussions resulting from using bank cards that are not lawfully theirs.

4.5 Validation of Customer’s Bank Card, information, authorization of deduction transactions therefrom is the responsibility of the respective payment gateway operator and/or the issuer bank of the card as per their terms and conditions.

4.6 the company shall not be held liable for any losses or damages that may result from fraudulent transactions due to breaches or attacks on any payment gateway operator, or breaches on the issuer bank or attainment, breach of Customer’s bank card details, PIN verification details or breach of any other customer data that allows purchases on the payment gateway.

5. AUTHORIZATION AND FRAUD PREVENTION

By completing a purchase, the Customer authorizes the Company and its payment providers to:

  • Charge the full order amount to the selected payment method
  • Perform necessary fraud screening and verification checks

The Company reserves the right to:

  • Request additional verification prior to order acceptance
  • Refuse or cancel transactions flagged as suspicious or high-risk
  • Withhold fulfilment until verification is completed

The responsibility for validating the Customer and their card information and authorizing the transaction lies with the respective payment gateway operator and/or the card issuer, according to their terms and conditions. The company is not liable for any losses or damages resulting from fraudulent transactions due to attacks or breaches on any payment gateway operator, issuer banks, or due to the Customer’s card details being acquired by persons with malicious intent.

All payment transactions are subject to applicable financial regulations, anti-money laundering requirements, fraud prevention measures, and electronic commerce laws in the relevant jurisdiction.

6. PRICING AND CHARGES

All prices displayed on the Website are:

  • Shown in the applicable local currency based on the Customer’s location
  • Subject to applicable taxes (including VAT where applicable in GCC jurisdictions such as KSA and UAE)
  • Finalized at checkout prior to payment confirmation

Any applicable taxes or charges will be clearly displayed before payment is completed.

7. PAYMENT CONFIRMATION

An order is considered confirmed only when:

  • Payment has been successfully authorized, and
  • The Customer has received an order confirmation email or notification

Payment confirmation does not constitute final acceptance of the order. Acceptance is governed by the Company’s Terms & Conditions.

8. REFUNDS AND REVERSALS

Where a refund is approved in accordance with the Company’s Returns, Cancellation, or other applicable policies:

  • Refunds will be processed to the original payment method used for the transaction
  • Processing timelines may vary depending on the payment provider and issuing bank (typically 7–14 business days)

The Company is not responsible for delays caused by banking institutions or payment gateways.

9. CASH ON DELIVERY (COD) AND CARD ON DELIVERY (FUTURE OPTION)

The Company may, at its sole discretion, introduce additional payment methods in the future, including but not limited to:

  • Cash on Delivery (COD)
  • Card on Delivery (mobile POS or equivalent solutions)

Where such options are enabled:

  • The Company reserves the right to apply eligibility criteria (including order value limits or geographic restrictions)
  • The Customer agrees to provide payment in full upon delivery
  • Refusal of payment at delivery may result in cancellation, return charges, or account restrictions

These methods may be introduced, modified, or withdrawn at any time without prior notice.

10. PAYMENT DISPUTES AND CHARGEBACKS

In the event of a payment dispute or chargeback request initiated by the Customer:

  • The Company reserves the right to suspend the Customer’s account pending investigation
  • Supporting documentation (including order confirmation, delivery proof, and communication logs) may be provided to the payment provider or financial institution

Unauthorized chargebacks may result in account restriction and/or refusal of future service.

11. CURRENCY AND CROSS-BORDER TRANSACTIONS

Where applicable:

  • Transactions may be processed in currencies other than Kuwaiti Dinar depending on the Customer’s location
  • The Customer is responsible for any foreign exchange fees or bank charges imposed by their financial institution

12. PAYMENT FAILURES

If payment fails or is declined:

  • The order will not be processed or fulfilled
  • The Company may attempt to notify the Customer to retry payment
  • The Company reserves the right to cancel unpaid or incomplete orders

13. CONTACT INFORMATION

For payment-related inquiries:

Email: [email protected]
Phone: +96598556622

14. POLICY UPDATES

The Company reserves the right to amend this Payment Policy at any time.

Updates will be effective upon publication on the Website.