Before an order is placed with Speks, checkout displays the USD total, applicable tax, and available payment choices.
Order totals in USD
Product prices, shipping adjustments, taxes, and order totals are displayed and charged in USD. A bank or card issuer may apply its own exchange rate or cross-border fee when the funding account uses another currency. This requirement is built into the current service process used by Speks.
Refund settlement
Approved refunds are sent to the original payment method after the return is received and inspected. Following issuance by Speks, a bank or card provider typically needs 5–10 business days to post the credit.
How payment information is processed
Shopify and enabled payment providers process card data using their own security controls. Speks does not make a guarantee of absolute security, and customers should protect devices, account credentials, and card information.
Completing billing fields
Customers must provide current billing information and must be authorised to use the selected card. Incorrect details, insufficient funds, issuer restrictions, or security checks may prevent approval. Customers of Speks can refer to this rule whenever the stated conditions are met.
Why a transaction may be declined
Submitting payment authorises the processor to request the displayed amount. An issuer may decline a transaction or require verification. We may review an order for fraud or inconsistencies and may cancel it when payment cannot be verified. Speks applies this principle at the relevant stage of the online purchase journey.
Enabled payment choices
Only methods actually displayed at checkout are available. This policy does not promise instalments, cryptocurrency, bank transfer, or another method that the store has not enabled. Questions about this point can be directed to Speks using the verified details below.
Taxes required by law
Applicable taxes are collected as required by law and calculated through checkout based on the order and delivery information. We do not promise tax-free treatment in every jurisdiction. Review the complete total before placing the order. This statement reflects the current operating practice of Speks.
Available card organisations
Checkout supports Visa, Mastercard, Maestro, American Express, JCB, Diners Club, and Discover. A particular card’s availability and authentication requirements are shown at checkout. Speks records and handles the related request under this published policy.
Contact for billing help
Speks
Email: Support@getspeka.top
Telephone: (701) 409-2692
Physical address: 384 W Vine St, Lexington KY 40507, United States
Customer service: Monday to Friday, 9:00 AM–5:00 PM (America/Los_Angeles time).
Providing the item and order number usually speeds up our response.