Payment Policy

Danushka Gems and Minings aims to provide payment options that are practical, secure, and suitable for both Sri Lankan and international customers. Because we deal in unique natural gemstone materials and custom requests, not every transaction is identical. Some purchases can be completed directly through website checkout, while others may require manual confirmation, invoice-based payment, payment link creation, transfer verification, or direct communication before completion.

A displayed stone, quotation, or sourcing discussion does not by itself confirm a completed order. Orders are normally considered confirmed only after the relevant payment has been successfully received, cleared, and accepted by us, unless we expressly confirm a different arrangement in writing.

We reserve the right to review any payment before accepting or fulfilling an order, especially where the order involves a high-value stone, manual payment method, custom sourcing, custom cutting, unusual billing details, suspected fraud indicators, or destination-country risk considerations.

For online website checkout, customers may pay directly through supported secure payment gateway methods, including major payment cards such as Visa, Mastercard, American Express, Discover, and Diners Club, where available through the website’s payment infrastructure.

Card acceptance may vary depending on issuing bank approval, fraud controls, country restrictions, gateway settings, authentication requirements, three-dimensional security checks, billing verification, card network rules, technical availability, and provider-side or bank-side decisions at the time of payment.

A card option appearing on the website does not guarantee that the card issuer will approve the transaction. Approval depends on multiple factors outside our direct control, including bank authorization rules, card status, security checks, location restrictions, spending limits, and account compliance.

We may also use secure payment links or gateway-generated payment requests for selected transactions, especially when a customer is purchasing a stone by direct conversation rather than by standard website cart checkout.

In addition to secure website card payments, we may also accept alternative payment methods including direct bank transfer, Wise, Western Union, MoneyGram, Ria, Remitly, Xoom, XE, Instarem, OFX, Sendwave, Paysend, Revolut, PandaRemit, TapTap Send, Skrill, Profee, TransferGo, and in some cases cryptocurrency.

These methods are not always fully automated through the website, and availability may vary depending on country, currency, transaction size, provider access, source of funds review, compliance restrictions, technical functionality, and our ability to verify the payment clearly and safely.

Customers wishing to use any of these alternative payment methods should contact us directly through our website, WhatsApp, phone, or email before making payment. We may then confirm whether the method is suitable for the specific transaction and provide the relevant payment details or instructions.

We are not obligated to accept every alternative method in every case. For safety, clarity, or compliance reasons, we may ask the customer to use a different method.

Some transactions, especially unique stone purchases, custom sourcing, custom cutting requests, certification requests, and combined orders, may require direct arrangement rather than immediate automated checkout. In such cases, we may confirm the order manually and provide payment instructions through WhatsApp, email, invoice, or a secure payment link.

Before issuing a payment link or manual payment instruction, we may request basic billing and contact information such as first name, last name, email address, phone number, and delivery country. In some cases, additional details may be needed to reduce fraud risk, verify billing accuracy, or prepare documentation properly.

The customer is responsible for following payment instructions carefully and ensuring the correct amount is sent to the correct destination or platform. We are not responsible for losses caused by incorrect transfer details entered by the customer, transfers sent to the wrong account or wallet, or payments made through unofficial third-party instructions not confirmed by us.

Prices may be quoted in the currency shown on the website, in a quotation, or in direct communication. Where payment is made in a different currency, exchange rates may be determined by the payment gateway, card network, issuing bank, transfer platform, intermediary bank, or other payment provider involved in the transaction.

Danushka Gems and Minings does not control all exchange-rate policies used by banks, payment gateways, card issuers, or international transfer services. The final converted amount charged to the customer may therefore differ slightly from the original listed price due to exchange-rate movement, bank margin, provider fees, or settlement timing.

If the customer wants a precise net amount to reach us, especially through manual or transfer-based methods, it may be necessary to add provider fees or conversion costs so the correct agreed amount is received after deductions.

Unless we expressly state otherwise in writing, the customer is responsible for provider-side transfer fees, intermediary bank fees, card issuer charges, conversion charges, payment platform fees, wallet fees, network fees for cryptocurrency payments, and any other deductions imposed by the chosen payment method.

Some methods, such as card payments, PayPal-style systems, or certain international transfers, may involve higher provider charges than direct transfers. This can affect the total amount required to complete the transaction correctly.

If a payment arrives short because of provider deductions or bank charges, we reserve the right to request the remaining balance before dispatch, certification submission, custom work commencement, or final confirmation of the order.

An order is not treated as fully confirmed merely because a customer says payment has been sent. Unless we expressly agree otherwise, we normally require cleared funds or sufficiently verifiable payment confirmation before a stone is released, shipped, certified, cut, held long-term, or otherwise committed to the customer’s order.

For website card payments, confirmation may depend on gateway success status, fraud review, settlement review, and internal acceptance. For manual transfers, we may wait for actual receipt, verified payment proof, or final bank confirmation.

We reserve the right to delay processing where payment status is uncertain, where the provider flags the transaction for review, or where the payment appears incomplete, reversed, inconsistent, or suspicious.

For custom sourcing, selected reserved stones, custom cutting requests, certification requests, and other process-based work, we may require payment in advance before proceeding. This is especially important where holding or committing a unique stone to one customer means losing other sale opportunities.

Advance payment may include the full amount, a deposit, or staged payment depending on the nature of the transaction. Once a stone has been specially sourced, reserved, submitted for certificate, sent for cutting, or otherwise committed to a customer request, part or all of the payment may become non-refundable according to the relevant order terms.

The customer should not assume that a stone is fully reserved until we expressly confirm the reservation and the required payment condition has been satisfied.

To protect both our business and our customers, we may conduct reasonable payment verification and fraud-prevention checks. These checks may involve reviewing billing consistency, country mismatch, suspicious payment patterns, duplicate orders, failed authorization attempts, proxy or anonymous browsing behavior, unusually urgent payment pressure, inconsistent identity details, or other risk indicators.

Where necessary, we may ask for additional confirmation before completing the transaction. This may include confirming the customer’s name, billing address, email address, phone number, proof of transfer, or other information reasonably needed to verify the legitimacy of the transaction.

We reserve the right to refuse, pause, reverse, cancel, or delay any transaction where we believe there is a meaningful risk of fraud, unauthorized card use, payment reversal, compliance issue, account takeover, or any other suspicious or unsafe circumstance.

Danushka Gems and Minings aims to handle payment-related information carefully and responsibly. When payments are made through secure website gateway systems, sensitive card details are normally processed by the relevant payment infrastructure rather than manually handled by us.

We do not intentionally request or store full card numbers, CVV codes, or complete sensitive card credentials through informal messaging channels unless a secure and appropriate system specifically requires it and proper protection is in place. Customers should never send full card details through unsecured chat unless explicitly instructed by a verified secure payment system.

We may retain limited transaction-related information necessary for order records, accounting, fraud review, customer service, dispute handling, and compliance purposes. Such information may include payer name, payment amount, method used, date, currency, payment reference, and order identification details.

Payment-related data handling is also subject to our Privacy Policy.

Unless expressly stated otherwise in writing, the customer is responsible for customs duties, import taxes, brokerage fees, local VAT or sales tax, destination-country handling fees, and any other charges imposed by the destination country, courier, customs authority, intermediary institution, or local regulator.

A payment made to us covers only the agreed purchase price and any specifically agreed service components such as certification, cutting, or shipping, if clearly included. It does not automatically cover destination-country charges unless we explicitly confirm that in writing.

The customer is responsible for understanding the financial and regulatory requirements of the destination country before completing payment.

If a payment fails, is declined, remains pending, arrives partially, is later reversed, is disputed, or does not match the agreed order amount, we may suspend or cancel order processing until the situation is resolved.

Declined card payments may occur because of card issuer rules, transaction limits, risk scoring, 3D Secure failure, insufficient funds, country restrictions, or temporary technical issues. In such cases, the customer may be asked to retry later or use a different approved payment method.

If a payment is reversed after goods or services have already been committed, shipped, certified, or processed, we reserve the right to dispute the reversal and present all relevant supporting evidence to the provider or bank.

Refund eligibility is subject to our Terms and Conditions, Return and Refund rules, the nature of the stone, whether the item was custom-sourced or custom-processed, the status of shipping or certification, and the actual reason for the request.

Customers should contact us first if there is a genuine payment or order issue. Unfair or bad-faith chargebacks are strongly discouraged. Where a chargeback or dispute is filed after order confirmation, dispatch, certification submission, custom work, or other customer-approved activity, we reserve the right to submit all relevant evidence to the payment provider, including messages, invoices, payment references, photos, videos, tracking proof, approvals, and communication history.

Approved refunds, where applicable, may be reduced by non-recoverable gateway fees, provider fees, banking charges, laboratory fees, shipping costs, transfer deductions, or other committed costs that cannot reasonably be recovered.

In some cases, we may consider cryptocurrency payments. However, cryptocurrency is not always available as a standard website checkout method and may require direct prior arrangement with us.

If cryptocurrency is accepted for a particular transaction, the customer is responsible for sending the correct asset on the correct network to the correct wallet address, within the time frame and valuation basis agreed. We are not responsible for losses arising from wrong-network transfers, incorrect wallet entry, irreversible blockchain mistakes, exchange delays, or value fluctuation occurring before the agreed payment is fully recognized.

Due to volatility and irreversibility, cryptocurrency transactions may be treated as final once confirmed, unless we expressly agree otherwise in writing.

Not all payment methods are available at all times. Provider access, country restrictions, account settings, technical outages, risk screening, bank rules, local regulation, and order type may affect what methods can be used for a specific purchase.

We reserve the right to change, suspend, remove, or limit any payment option shown on the website or discussed in communication without prior notice where needed for safety, practicality, compliance, or operational reasons.

The customer is responsible for providing accurate payer information, accurate billing and contact details, correct shipping-related identity details where needed, and correct reference information when making manual payment.

The customer should not make payment to any unofficial account, wallet, or transfer destination that has not been clearly confirmed by Danushka Gems and Minings through a trusted communication channel.

The customer is also responsible for ensuring that the chosen payment method is legal, permitted, and properly controlled under the customer’s own financial and local regulatory obligations.

If you wish to use a manual payment method, need a secure payment link, need to confirm which options are currently available, or want to clarify fees, currency, or payment timing before ordering, please contact us directly.

Danushka Gems and Minings

Website: https://danushkagemsmining.com/

Email: [email protected]

Phone / WhatsApp: +94 070 276 7778

Location: Rakwana, Ratnapura, Sri Lanka