1 Transaction Processing

Payment methods comply with:

• PSD2 (EU Regulation 2018/389) for SCA requirements
• Regulation E (12 CFR §1005) for U.S. electronic transfers

Fraud Prevention:

• 3D Secure 2.0 authentication mandated for transactions >$500 (PCI DSS v4.0 Req.8.3.1)
• Biometric verification required for orders exceeding $2,000 (eIDAS Regulation Article 23)

2 Refund Timeline

graph TD A[Refund Request] --> B(3-day verification per EFTA §909) B --> C{Approved?} C -->|Yes| D[5-day bank processing under UCC §4A-406] C -->|No| E[7-day appeal window]

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