PAYMENTS

We currently accept the following payment methods:

• Credit/Debit Cards: Visa, MasterCard, American Express via Shopify Payments
• Digital Payments: Google Pay, Apple Pay via Shopify Payments
• PayPal

Tata Italia always takes security very seriously, especially when it comes to payments and the transmission of personal data. Transactions on our website are carried out using state-of-the-art tools equipped with the most advanced security technologies to ensure the confidentiality of the data transmitted and the peace of mind of our customers.

We use Shopify Payments and PayPal, both leading platforms in the field of online payments, to ensure secure and protected transactions.

Through these services, you can access a wide variety of payment methods in complete security and with the guarantee of encrypted browsing via SSL encryption, from the classic and most widely used to the most innovative.

New state-of-the-art payment methods are currently under development and will be added to the list above.

PAYMENT BY CREDIT OR DEBIT CARD

If you select Visa, MasterCard, or American Express when finalizing your purchase, you can use your credit or debit card to pay via Shopify Payments.

All major existing credit or debit card networks are accepted, ensuring our customers maximum freedom of choice and flexibility.

To ensure maximum security during transactions, the system only accepts credit or debit card payments if two-factor authentication, also known as strong customer authentication, is enabled on the card used. For the Visa and MasterCard networks, the system is called “3-D Secure Verified by Visa” and “MasterCard SecureCode”, respectively. Since January 1, 2021, following the European PSD2 directive, banks are required to request two-factor authentication for online purchases. Further information can be found at the following official European Central Bank link.

If two-factor authentication is not enabled on the card or if the transaction contains any details deemed unusual by the control system, the transaction will be placed in “pending” status and the order will not be created immediately. At this stage, our staff will receive a notification and, after appropriate verification, may accept or decline the payment and, consequently, accept or decline the purchase. We reserve the right to request a photo of the cardholder, the card itself, and/or a form of identification to complete any necessary verification.

Two-factor authentication is also mandatory for certain amounts. In such cases, if it is not enabled, the card cannot be used for the purchase.

PAYPAL

By selecting PayPal at checkout, you will be redirected to the official service website, where you can:

• Access your PayPal account using your username and password, and use the credit cards, debit cards, or bank accounts previously linked to your account.

When using this payment method, we reserve the right to accept payments only from verified PayPal users and to ship the selected goods to the delivery address specified in the PayPal account through which the transaction is made.

• If you do not have a PayPal account, you can still use the service by clicking the “Continue without an account” link at the bottom of the login screen.

This allows you to enter your credit or debit card information into the PayPal system as a “guest” without having an account.

REFUNDS

In the event of returns or any situation where a refund is required, it will always be issued by reversing the purchase transaction. Therefore, the method by which the refund is issued varies depending on the payment method used for the purchase.

Refund processing times also vary depending on the payment method used. However, regardless of the method selected, refunds may take anywhere from a few business days to several weeks to appear in your available balance or credit limit. Further information can be provided by your bank or financial institution.

Once the refund has been issued and we have notified the customer, Tata Italia cannot intervene in or speed up the crediting process.

DATA PRIVACY

Secure browsing and data transmission are guaranteed by the SSL encrypted connection established between the user's device and the selected payment system.

Regardless of the payment method used, Tata Italia never receives sensitive payment data in any way. Information such as credit card numbers, account numbers, and any authentication passwords or PINs does not pass through our servers; instead, it is communicated directly to the payment service providers.

Tata Italia therefore never has access to the above data and only receives notifications from the aforementioned providers regarding the outcome of the transactions, so that it may proceed with or refrain from creating the orders.