Payment Policy

Last updated · 12 February 2026

This Payment Policy explains the payment methods we accept, the currency in which orders are charged, how we keep payment data secure, and how invoicing works at Shuren International Education OÜ.

1. Accepted payment methods

1.1 Credit and debit cards

We accept Visa, Mastercard and American Express, including consumer and business cards. Card payments are processed by our PCI-DSS Level 1 certified payment processor. Card data is entered on the processor’s secure form and tokenised before it reaches our servers; Shuren never sees or stores full card numbers, expiry dates or security codes.

1.2 Bank transfer (SEPA / SWIFT)

For orders with a subtotal of EUR 200 or more, you may choose bank transfer at checkout. We send the proforma invoice and bank details by email. SEPA transfers within the European Union are normally credited within 1–2 working days; SWIFT transfers from outside the EU can take 3–5 working days. Goods are shipped, or course access is granted, once the funds arrive in our account.

2. Currency

All prices on the site are displayed in Euros (EUR). Card payments are charged in Euros. Your bank may convert the amount to your local currency at its prevailing exchange rate and may charge a foreign-transaction fee; this is outside our control and not visible to us.

3. Tax

Prices on the site include applicable Estonian Value Added Tax (VAT) at 22%, where it applies. EU business customers who enter a valid VAT identification number at checkout will see the reverse-charge mechanism applied on the invoice (no VAT charged). For customers in destinations outside the EU, VAT is not charged on the invoice, but the recipient may be liable for import duties and local taxes in the destination country.

4. When you are charged

Card payments are authorised at checkout and captured at the moment the order is confirmed. For pre-orders or back-orders, the card is authorised only and captured when the item ships; we will tell you clearly at checkout if this applies.

5. Failed payments

If a card payment is declined, no order is created. You may try a different card or choose bank transfer. We do not store details of declined attempts.

6. Refunds

Refunds are issued to the original payment method. Card refunds reach the customer’s account within 5–10 working days depending on the issuing bank. Bank-transfer refunds are sent within 5 working days of approval; international SWIFT may take longer to arrive. See our Refund Policy for the conditions under which refunds are offered.

7. Invoices

Every successful order generates a VAT-compliant invoice in PDF form, attached to your order confirmation email. Business customers may request additional details (purchase order number, alternative billing address) by replying to that email; we re-issue the invoice within 1 working day.

8. Security

The site is served exclusively over HTTPS with modern TLS. Our payment processor is PCI-DSS Level 1 certified. We use 3-D Secure (Verified by Visa, Mastercard Identity Check, American Express SafeKey) where the issuing bank requires it. Suspicious orders are reviewed manually before dispatch.

9. Chargebacks & fraud

If you do not recognise a charge from “SHUREN INT EDU” on your statement, please contact us first — most disputed charges are resolved without involving the issuing bank. Where a chargeback is opened, we respond with the order documentation and shipping confirmation within the deadlines set by the card scheme.

10. Contact

Billing and payment questions: support@shureninternationalschool.com · +372 6 999 712.