Payment Policy

Last Updated: September 2026

At Gems & Gears, we strive to make your luxury jewelry shopping experience as transparent, seamless, and secure as possible. This Payment Policy outlines our accepted payment options, security protocols, currency standards, and billing practices for all purchases made on gemsgears.com.

1. Accepted Payment Methods

We accept a wide variety of globally recognized and trusted Finnish local payment options to suit your preferences:

2. Currency & Pricing Transparency

All prices displayed on gemsgears.com are denominated and billed in Euros (EUR / €).

• Taxes: All listed prices are the final price you pay where applicable under European Union tax guidelines.
• No Hidden Surcharges: We do not charge additional processing fees, credit card checkout surcharges, or hidden handling fees. The price you see in your cart is the exact price you pay.
• Free Domestic Shipping: All orders shipped within Finland enjoy 100% free tracked courier delivery via Posti and Matkahuolto.

3. Bank-Grade Payment Security & Encryption

Your financial security is of paramount importance to us. We adhere to the highest global standards for online transaction security:

• PCI-DSS Level 1 Compliance: Our store operates on infrastructure fully certified under Payment Card Industry Data Security Standards (PCI-DSS Level 1), the most stringent security rating in the payments sector.
• 256-Bit SSL Encryption: All sensitive payment credentials exchanged during checkout are transmitted over end-to-end 256-bit Secure Sockets Layer (SSL) encryption.
• 3D Secure Authentication: We support 3D Secure 2.0 (Verified by Visa, Mastercard Identity Check, and American Express SafeKey) ensuring robust Strong Customer Authentication (SCA) in line with EU Directive (EU) 2015/2366 (PSD2).
• Zero Card Storage: Gems & Gears never stores or has access to your full credit card number or CVV security code on our local servers. Payment tokens are securely managed solely by certified payment gateways.

4. Order Verification & Invoicing

Upon successful payment authorization, you will immediately receive an electronic Order Confirmation & Official Purchase Receipt to the email address provided during checkout. This receipt details:

• Your unique Order Number
• Itemized product descriptions, metal fineness, and variant selections
• Itemized product details and free shipping breakdown (€0.00)
• Delivery timeframe and dispatch tracking details

5. Refunds & Payment Reversals

If you exercise your right to return an item under our 30-Day Return Policy, approved refunds are credited back directly to the original payment method used during purchase. Standard return processing time is 3 to 5 business days from the moment the returned jewelry is received and inspected at our Vantaa workshop.

6. Contact Our Customer Care Team

If you experience any difficulties during checkout, have questions about an invoice, or wish to inquire about bespoke wire payment arrangements for high-value custom pieces, please contact us:

Gems & Gears
Customer Service: business@gemsgears.com
Telephone: +358 45 794 1515 (Mon–Fri 09:00–17:00 EET)
Studio Address: Kaivokselantie 4, 01610 Vantaa, Finland