Payment Policy

At IKO ACTIVE, we believe that checking out should be just as smooth and fast as the gear we sell. We are committed to providing a secure, transparent, and hassle-free payment experience for all our customers across the GCC. 

1. ACCEPTED PAYMENT METHODS
We offer a variety of secure payment options to ensure you can shop with convenience and peace of mind:

• Credit & Debit Cards: We accept all major international cards, including Visa, Mastercard, and American Express. 
• Digital Wallets: For ultra-fast and secure checkout, you can complete your purchase using Apple Pay or Google Pay.
• Cash on Delivery (COD): We offer Cash on Delivery for select areas within the GCC. Please note that COD eligibility heavily depends on your specific location and local courier capabilities. If you wish to use COD, please contact our support team prior to ordering to verify if your address is eligible. 

2. 100% SECURE TRANSACTIONS
Your privacy and financial security are our top priorities. 
• IKO ACTIVE uses industry-standard 256-bit SSL (Secure Sockets Layer) encryption technology to protect your personal and payment details during the checkout process.
• All card payments are processed through PCI-DSS (Payment Card Industry Data Security Standard) Level 1 compliant payment gateways. 
• We do not process, collect, or store your full credit card numbers or CVV codes on our servers at any time.

3. CURRENCY & PRICING
• Seamless Local Shopping: Depending on your location and browser settings, prices may be displayed in your local currency (e.g., AED, SAR, QAR, KWD, BHD). 
• ZERO Hidden Fees: As part of the IKO ACTIVE promise, the price you see at the final checkout screen is exactly what you pay. We proudly cover all VAT, import duties, and delivery fees for our customers across the UAE, Saudi Arabia, Qatar, Kuwait, and Bahrain. There will be no surprise charges or customs bills at your door.

4. PAYMENT VERIFICATION & FRAUD PREVENTION
To protect our customers and our business from fraudulent activity, all orders are subject to strict security checks. 
• We may occasionally contact you to verify your identity or shipping address before processing an order, especially for high-value purchases or if the billing and shipping addresses do not match.
• Orders flagged by our automated fraud-prevention system may be canceled and fully refunded to the original payment method.

5. REFUNDS & CREDITS
If you return an item in accordance with our Return Policy, or if an order is canceled before dispatch, the refund will be issued back to your original method of payment. 
• Card / Digital Wallet Refunds: Please allow 5 to 10 business days for the funds to appear in your account, depending on your bank's processing times.
• Cash on Delivery (COD) Refunds: If you paid via COD, refunds will typically be issued as store credit or via a direct bank transfer, as cash refunds cannot be processed by our couriers. Our support team will coordinate this with you directly.

6. CONTACT US
If you experience any issues during checkout or have questions regarding your payment, please reach out to our support team:

Email: contact@ikoactive.com
Phone / WhatsApp: +971 4 394 8851
Business Hours: Monday – Saturday, 9:00 AM – 6:00 PM (GST)