Payment Security & Fraud Policy

Payment Security & Fraud Policy

Effective Date: May 18, 2026
Last Updated: May 18, 2026

Thank you for visiting Esscentum. We are an e-commerce platform offering luxury fragrances, beauty products, and premium lifestyle items. Please read this Payment Security & Fraud Policy carefully before using our website at Esscentum.

By using our services, you acknowledge and agree to the practices described in this policy.

1. Introduction

At Esscentum, protecting your financial information and ensuring secure transactions are among our highest priorities. We understand the importance of trust when shopping online, especially for premium and luxury products.

This Payment Security & Fraud Policy outlines the measures we implement to:

  • Protect customer payment information
  • Prevent fraudulent activity
  • Maintain secure transactions
  • Comply with international payment security standards

Esscentum LTT is committed to maintaining high standards of payment security and data protection in accordance with industry regulations and best practices, including PCI DSS (Payment Card Industry Data Security Standard) compliance.

2. Accepted Payment Methods

We offer multiple secure payment options for customers worldwide.

2.1 Credit & Debit Cards

Accepted cards may include:

  • Visa
  • Mastercard
  • American Express
  • Maestro
  • JCB
  • Visa Debit

Secure Processing

All card payments are processed through secure PCI DSS-compliant payment gateways using encrypted connections.

3D Secure Authentication

Where supported, transactions may include additional verification through:

  • Verified by Visa
  • Mastercard SecureCode
  • American Express SafeKey

These security measures help prevent unauthorized card usage.

2.2 PayPal

We accept payments through PayPal.

Benefits

  • Additional buyer protection
  • Faster checkout
  • No need to share card details directly with our website

Important Notice

Orders paid via PayPal may only be shipped to the verified address associated with the PayPal account for fraud prevention purposes.

2.3 Bank Wire Transfer

For select orders and customers, bank wire transfer may be available.

Process

  1. Select “Bank Wire Transfer” during checkout
  2. Receive banking details by email
  3. Complete payment through your bank
  4. Send proof of payment to info@esscentum.com
  5. Shipment begins after payment confirmation

Important

Failure to provide proof of payment within 48 hours may result in order cancellation.

2.4 Additional Payment Methods

Depending on your location, additional payment methods may include:

  • Apple Pay
  • Google Pay
  • Regional payment solutions

All transactions are processed through secure encrypted gateways.

2.5 Currency & Pricing

Transactions are processed in the currency displayed during checkout.

Please note:

  • Exchange rates are determined by your financial institution
  • International transaction fees may apply
  • Final charged amounts may vary slightly due to currency fluctuations

3. Payment Security Measures

3.1 SSL Encryption & Secure Connections

All data transmitted through our website is protected using SSL/TLS encryption technology.

How to Verify Website Security

Before entering payment information, ensure:

  • The website URL begins with “https://”
  • A padlock icon appears in your browser
  • Your browser indicates a secure connection

3.2 PCI DSS Compliance

Esscentum follows industry-recognized payment security standards, including PCI DSS requirements.

These standards include:

  • Secure network infrastructure
  • Encrypted data transmission
  • Restricted access controls
  • Security monitoring and testing
  • Fraud prevention measures

3.3 Payment Data Storage

We Do NOT Store:

  • Full credit card numbers
  • CVV/CVC security codes
  • Online banking passwords

We May Store Securely:

  • Last four digits of payment cards
  • Billing information
  • Encrypted transaction records

All stored information is protected using advanced security protocols.

3.4 Tokenization

Saved payment information may be protected using tokenization technology, replacing sensitive card details with secure encrypted identifiers.

This helps ensure that actual payment details are never stored directly on our servers.

3.5 Secure Payment Providers

We work exclusively with trusted and secure payment providers, including:

These providers maintain their own advanced fraud detection and security systems.

4. Fraud Prevention & Detection

4.1 Fraud Prevention Systems

We use multiple security measures to identify and prevent fraudulent transactions.

These measures may include:

  • Real-time transaction monitoring
  • Automated fraud detection systems
  • Address Verification System (AVS)
  • CVV/CVC verification
  • IP address monitoring
  • Velocity and behavioral checks

Orders identified as high-risk may be manually reviewed.

4.2 First-Time Customer Verification

For security purposes, first-time orders may require additional verification.

Verification may include:

  • Identity confirmation
  • Billing address verification
  • Payment ownership confirmation
  • Temporary processing delays

This helps protect both customers and Esscentum from unauthorized transactions.

4.3 Suspicious Activity Indicators

Orders may be flagged if:

  • Billing and shipping addresses differ significantly
  • Multiple payment failures occur
  • Orders originate from high-risk regions
  • Large purchases are made by new customers
  • Rapid repeated purchase attempts occur

If flagged, we may contact you for additional verification before processing the order.

5. Customer Responsibilities & Best Practices

5.1 Account Security

To help protect your account:

  • Use strong passwords
  • Avoid sharing login credentials
  • Log out on shared devices
  • Monitor account activity regularly

5.2 Recognizing Fraud & Phishing

Esscentum will NEVER:

  • Ask for full card details by email or WhatsApp
  • Request passwords through messages
  • Ask for cryptocurrency payments
  • Threaten account closure for urgent verification

Warning Signs of Fraud

  • Suspicious email addresses
  • Poor spelling or grammar
  • Urgent requests for payment information
  • Unusual links or attachments

If you receive suspicious communications, contact us immediately.

5.3 Monitoring Payment Accounts

We recommend:

  • Reviewing bank statements regularly
  • Enabling bank transaction alerts
  • Reporting suspicious charges immediately
  • Keeping financial contact information updated

6. Payment Authorization & Holds

6.1 Payment Authorization

When an order is placed:

  • Payment methods may be authorized immediately
  • Charges may be captured when shipment is prepared
  • Pre-orders may be charged at purchase

6.2 Temporary Authorization Holds

Your bank may place temporary authorization holds on funds.

Please note:

  • Holds are controlled by your bank
  • Holds may remain for several business days
  • Multiple failed attempts may create multiple temporary holds

6.3 Failed Payments

Common payment failure reasons include:

  • Insufficient funds
  • Incorrect billing information
  • Expired cards
  • Fraud prevention blocks
  • Failed authentication

If issues continue, please contact your bank or try another payment method.

7. Refunds, Disputes & Chargebacks

7.1 Refunds

Refund requests are governed by our Refund & Returns Policy.

Refunds are typically:

  • Processed within several business days
  • Returned to the original payment method
  • Subject to banking processing timelines

7.2 Charge Disputes

Before initiating a bank dispute or chargeback, please contact us directly at:

info@esscentum.com

Many issues can be resolved quickly without involving financial institutions.

7.3 Chargebacks

Fraudulent chargebacks may result in:

  • Account suspension
  • Permanent account bans
  • Legal action
  • Reporting to payment providers

Legitimate chargebacks include:

  • Unauthorized transactions
  • Non-delivery without proof
  • Significant product discrepancies

8. Order Cancellation & Modifications

8.1 Customer Cancellations

Before Shipment

Orders may usually be cancelled before dispatch.

After Shipment

Orders already shipped cannot be cancelled but may qualify for return according to our Refund & Returns Policy.

8.2 Esscentum-Initiated Cancellations

We reserve the right to cancel orders due to:

  • Suspected fraud
  • Payment verification failure
  • Pricing errors
  • Inventory unavailability
  • Policy violations

Full refunds will be issued where applicable.

9. International Payment Considerations

9.1 Currency Conversion

International transactions may include:

  • Exchange rate variations
  • Foreign transaction fees
  • Bank conversion fees

Please consult your bank for details.

9.2 Cross-Border Security

Additional verification may apply for international orders to reduce fraud risk.

10. Data Protection & Privacy

Payment information is processed in accordance with:

  • GDPR
  • UK GDPR
  • PCI DSS standards
  • Applicable privacy laws

For more information, please review our Privacy Policy.

11. Reporting Fraud & Security Concerns

Security Contact

Email

security@esscentum.com

Subject Line

“Security Concern – Fraud Report”

Please include relevant details, screenshots, or order information where applicable.

12. Updates to This Policy

We may update this policy periodically to reflect:

  • Security improvements
  • Regulatory changes
  • Payment technology updates
  • Fraud prevention developments

Updated versions will be posted on our website.

13. Contact Information

General Payment Inquiries

Email: info@esscentum.com
Subject Line: “Payment Inquiry”

Security & Fraud Concerns

Email: security@esscentum.com
Subject Line: “Security Concern”

Company Information

Esscentum LTT

Lebanon Address

Antelias, Bekfaya Road, Uptown Center, Floor -3, Zip Code 1201.
City: Antelias, Beirut.
Country: Lebanon.

UK Address

Hatton Garden, Holborn, London, UK.

Website

Esscentum Official Website

14. Final Note

At Esscentum, security is integrated into every part of the shopping experience. From browsing our collections to completing checkout, we apply modern security technologies and fraud prevention practices designed to protect your personal and financial information.

We are committed to providing a secure, trustworthy, and reliable luxury shopping experience for customers worldwide.

Thank you for choosing Esscentum.