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Credit Card & Billing FAQ

Our payment system accepts a variety of methods, including major credit cards (MasterCard, American Express, Visa), PayPal, Zelle, ACH transfers, eCheck, Bill Pay, and various forms of cryptocurrency, including bitcoin, altcoins, and stablecoins such as USDC or USDT. You can view the currently available payment options on the checkout page. Please note that the availability of these options may vary from time to time due to various factors.

If you encounter a situation where your card is declined and you don’t receive an order confirmation email, we recommend that you carefully review the information on this page before contacting customer support. The details here are consistent with what our support team would use to help you resolve the issue.

Let's Go Over Some Important Details

  • Big Pharma and Banks Want to Bring Us Down

    Due to regulatory constraints influenced by the banking and pharmaceutical industries, we face challenges in accepting traditional payment methods such as cards and PayPal. However, we've managed to create alternative solutions. We continue to accept common payment methods such as major debit/credit cards (MasterCard, American Express, Visa) and PayPal. For U.S. customers, we offer additional convenient and secure options, including Zelle, ACH transfers, eCheck and Bill Pay. Our advanced and customized payment system ensures discretion; your bank statement will not show the name of our online store. Instead, transactions may appear as purchases from a European garden store, payments for accounting or consulting services, or items from a miscellaneous online store in Asia.

  • Insider Tricks, PayPal Extra Fees and Why We Love Bitcoin

    Online pharmacies like ours are charged high fees by third-party processing gateways for each transaction. We incur significant costs from our merchant partners for accepting card and PayPal payments, sometimes as much as 38% of the payment amount, well above the standard 2.5%. While we absorb most of these fees, certain payment methods may have additional costs for you. For example, PayPal transactions include an additional $20 fee, and discounts or coupons cannot be applied with this payment method. Please avoid sending multiple PayPal payments for the same order, as we cannot issue refunds for these transactions. We strongly prefer bitcoin and other cryptocurrencies because they allow us to avoid these high fees. Choosing these modern payment options not only gives you a 20% discount that we'd otherwise lose to high processing fees, but also ensures the security and anonymity of your payment.

  • Tips on How to Pay with a Credit Cards

    Please note that depending on our current payment partners, you may be required to verify your address, phone number and other details to confirm ownership of your credit card. It's important that the billing address and phone number you provide match your card issuer's records. A useful tip: Many U.S. card issuers automatically block international transactions (from regions such as the EU, China). To ensure a smooth shopping experience, let your card issuer know in advance if you're comfortable with overseas fees. Please note, however, that your bank may charge additional fees for international payments, and these additional fees do not benefit us in any way; they are determined solely by your bank. If your card is declined, check that you have sufficient funds and that the billing zip code matches the information on your card, as these are common reasons for declined transactions.

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Credit Card FAQ & Phone Verification

Why was my card declined and what should I do next?

Watch Our Explainer Video to Learn More About How Our Billing System Works

  • First, Check the Balance on Your Credit Card

    Your card may be declined for a number of reasons, including insufficient funds, incorrect billing information, or your card provider's anti-fraud protocols. Please ensure that you have sufficient funds in your account to cover not only the cost of your purchase, but also a potential additional 3-5% international transaction fee. This additional fee, which is charged by your bank and not by us, may apply to some transactions if we process your payment from overseas.

  • Verify Your Phone Number and Billing Zip Code

    When you make a purchase on our site using a credit or debit card, you may be required to complete a telephone verification step. To ensure a smooth process, it's important to use a valid phone number when placing your order. It is also important to carefully verify the billing information provided, especially the billing address and zip code, to ensure it accurately matches your card issuer's records. Our payment processing partner will contact the cardholder to verify the transaction details. This verification will take place over the phone, and you will be asked to verify certain information about your purchase, including (1) the total order amount and (2) the name of the merchant (BuyGenerics).

  • Authorize International Transactions with Your Card Issuer

    Many card issuers often place blocks on certain types of transactions, especially international transactions, as a fraud protection and security measure. If your transaction does not go through, it is often due to this precautionary measure. If you are experiencing difficulties with your transaction, contacting your bank to unblock international card transactions may resolve the issue. After this adjustment, your order should go through without a hitch.

Phone verification is a step taken to confirm the authenticity of a transaction and is not intended as a sales pitch. If you have placed an order but haven’t received a confirmation email, it is possible that your transaction has initiated a manual phone verification and is still pending. Under these circumstances, our payment processor will contact you with a polite verification call to confirm your transaction with BuyGenerics pharmacy. If the transaction remains unverified after 5 business days, the payment will be declined and your order will not be processed.

Contacting your bank or credit card company to authorize an international transaction, either before or after a purchase, is different from the telephone verification process. When speaking with your bank, it’s important not to mention BuyGenerics online pharmacy or any prescription drugs or pills, as such mentions are generally not sanctioned by major banks and credit card companies. Discussing prescription drugs may also result in PayPal suspending your account as well as ours. Instead, it’s best to describe your transaction as an overseas online purchase. This will help expedite our service to you and ensure timely delivery of your medication.

If you continue to experience difficulties, you may want to try using an alternative card, if you have one, or choose a different payment method. If these options do not resolve the issue, please contact our customer support team for additional assistance.

Here Are Some Tips for Making Payments

If you've already contacted your bank and they've approved the transaction, or if you haven't seen any payment attempts on your account, what's the next step?
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  • If Your Bank Has Approved Your Transaction...

    After your bank authorizes the international transaction and you've completed the phone verification, expect to receive an order confirmation email within 48 hours. We make sure you don't get charged twice by automatically canceling any previous orders under the same name. If you see a charge without a confirmation email, it may be a pre-authorization, which means the funds are not actually withdrawn until we confirm your transaction by phone. Banks may hold such pre-authorized funds for up to 5 business days before deciding whether to approve or decline the payment. If you use PayPal, please avoid sending multiple payments for a single order, as we cannot process refunds for PayPal transactions.

  • Why Do I See a Foreign Transaction Fee? Is There an Overcharge?

    If you see a charge that's higher than expected, it may be because your bank charges extra for international transactions. Because our payments are processed internationally, banks often add a foreign transaction fee, usually between 3% and 5%, to each international payment. It's important to understand that this fee is not received by our store or the payment processor. To avoid any surprise charges, we recommend that you contact your bank in advance to verify any foreign transaction fees associated with your purchase.

  • I Do Not See Any Payment Attempts From BuyGenerics Store, Why Is That?

    If you have already communicated with your bank and are still not seeing any payment attempts from us, it is likely that your transaction is in a queue for phone verification. A representative from our payment processing team will contact you shortly with a polite phone call to validate your recent transaction with BuyGenerics. If we are unable to confirm the transaction by phone within 5 business days, your order will be automatically cancelled. If you continue to have problems verifying your order, our support team is available to assist you.

Here Is Our Credit Card Billing FAQ

There are several factors that can cause a payment to be declined, often due to your bank restricting the transaction, especially for international transactions. To resolve this issue:

  1. Contact your card issuer to notify them of the declined transaction and request authorization. Avoid mentioning medications, pills, or our website. Simply state that you are making an online purchase.
  2. After receiving authorization, try the payment again. If you are still declined, consider using a different card or payment method.

You’re now ready to place another order. Rest assured, you won’t be charged twice – we will automatically cancel any previous orders in the queue with the same name. If you’re using PayPal to pay, please make sure you don’t send more than one payment for the same order, as we cannot provide refunds for transactions made through PayPal.

It appears that your transaction is pending phone verification. Our payment processing company will contact you shortly with further details.

If you notice multiple charges but haven’t received a confirmation for your order, it’s likely that your transaction is waiting for phone verification before it can be finalized.

If your payment is not confirmed, you can place a new order if necessary. Your previous orders will be automatically canceled by us. However, if your payment is confirmed, you have the option to cancel it within 2 hours of making the payment.

Please contact us to request a refund before initiating a chargeback. Pursuing a chargeback without first contacting us is considered fraudulent activity under U.S.C. Title 18 Section 1029.

Yes, our site uses SSL certification along with 128-bit encryption to ensure secure transactions.

Refunds can take anywhere from 2 to 30 business days to process. Typically, you should see it in your account within 4 to 7 business days.

Yes, we accept such cards, provided they are authorized for international transactions.

We are sorry but we do not accept payments via Western Union.

Card issuers and banks often restrict direct online purchases of prescription drugs. To address this, we have implemented a legal workaround that requires telephone verification and may require authorization from your bank.

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Yes, We Usually Accept PayPal Payments As Well

It is important to understand that our approach to accepting PayPal payments does not allow us to issue refunds via PayPal.
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  • There Is an Additional Fee for PayPal. This Is Because of the Additional Transaction Fees Charged by PayPal

    Because of PayPal's restrictions on online pharmacies, we use third-party payment processors that charge significant fees. As a result, PayPal payments are subject to a 10% surcharge per transaction. Unfortunately, our discount codes do not apply to PayPal transactions. As an alternative to avoid these extra fees, we recommend using Bitcoin for your payment. Bitcoin transactions are not only easier and free of extra fees, but they also qualify you for a 20% discount on your entire purchase!

  • Please Don't Send More Than One Payment via Paypal

    We do not recommend making multiple payments for a single order through PayPal, as our system cannot process refunds through this service. Unfortunately, PayPal has strict rules that prohibit transactions with online pharmacies, covering both incoming and outgoing payments. These rules are beyond our control.

  • Why Are You Unable to Process Refunds Through PayPal? What Should I Do If I Need a Refund?

    Our unique payment acceptance method prevents us from processing refunds through PayPal. Although PayPal technically supports refund processing, issuing refunds for transactions from BuyGenerics may result in the permanent suspension of your PayPal account due to their strict policy against online pharmacies, which prohibits transactions with such businesses. We have no control over PayPal's policies. As an alternative, you may opt for a store credit. Please contact our support team to arrange a store credit for your purchase. This credit is versatile, applicable to any future purchase from our store, and has the same value as cash on our website.

To avoid suspension of your PayPal account, ensure that your transactions complete successfully and avoid situations where you may need to request a refund. If a refund is necessary, opt for a store credit rather than a direct refund to your PayPal account.

Yes, we offer several other payment options, including credit/debit cards, ACH Payments, Bill Pay, e-Check, Zelle, and Bitcoin.

If you have successfully completed a PayPal transaction but have not received an order confirmation email, we recommend that you contact our customer support team. When contacting us, please include your PayPal transaction ID as text in the body of your message, rather than sending it as a screenshot.

Bitcoin Payments Made Easy for You

Enjoy an immediate 20% discount on your purchase. Choosing cryptocurrencies like bitcoin has many advantages. Bitcoin transactions are made directly between peers, bypassing banks and other intermediaries. This lack of middlemen eliminates many of the complexities and costs typically associated with traditional payment processing.

Here Are Some Benefits of Using Bitcoin

  • No Middlemen

    Because Bitcoin transactions are peer-to-peer, there are no banks or middlemen involved. This often results in faster transactions and lower fees. In terms of discounts, we offer a 20% discount on all purchases made using Bitcoin, as the savings we make through lower transaction fees are passed on to you.

  • Ultimate Privacy

    Transactions conducted with Bitcoin tend to offer greater privacy than those conducted with traditional payment methods. Although every Bitcoin transaction is recorded on the blockchain, the identities of the people involved in those transactions remain anonymous. In terms of ease of use, once your Bitcoin wallet is set up and you've purchased some Bitcoin, conducting a transaction is as simple as sending an email.

  • As Easy as Sending an Email

    We know that Bitcoin can seem daunting if you're new to it, but don't worry, we've got your back! To help you get started with Bitcoin, we offer a quick and easy video tutorial. In addition, our support team is always ready to help you with any challenges you may encounter. Why not give Bitcoin a try? You might find it's easier than you think!

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What Is the Difference Between Visa and Mastercard?

In the realm of online transactions, the choice between Visa and Mastercard holds significant weight, especially when it comes to purchasing drugs online. These two financial giants, while sharing global prominence, exhibit subtle differences that can shape your decision-making process.

One crucial aspect to consider is how these cards handle currency conversion, especially when dealing with international purchases. Visa and Mastercard employ their distinct exchange rates when conducting transactions in foreign currencies. Understanding these variations can help you optimize your drug buying experience, ensuring you get the best value for your money.

Besides, both networks come with their array of perks and benefits, making the choice a bit nuanced. Visa, for instance, offers several incentives like comprehensive travel insurance, extended warranties on purchases, and enticing reward programs. On the other hand, Mastercard steps up its game by providing exclusive price protection, shielding you from unexpected price drops, robust identity theft protection, and access to a range of exclusive events. Evaluating these benefits is indeed in line with your lifestyle and preferences.

Additionally, the digital landscape demands robust security measures, and both Visa and Mastercard excel in this regard. Visa employs the formidable Verified by Visa system, an additional layer of security that safeguards your online purchases. Mastercard, not to be outdone, integrates SecureCode, an advanced authentication method that enhances the safety of your transactions. Understanding the security nuances of each network can provide you with peace of mind, ensuring your financial data remains confidential and secure.

In essence, both Visa and Mastercard stand as stalwarts of convenience, security, and global acceptance, making either choice suitable for your online transactions. Your decision could pivot on your personal preferences, existing affiliations with financial institutions, and the specific benefits that align with your lifestyle.

If the Payment Fails, What Should I Do?

Encountering a payment failure during your online purchase can be frustrating, but rest assured solutions are readily available. Here’s what to do if your payment fails at BuyGenerics online pharmacy:

  • double-check your payment information: Start by revisiting the payment details you entered. Ensure your card number, expiry date, CVV, and billing address are accurate. Even a minor typo can lead to payment failure;
  • verify sufficient funds: Confirm that your account or card has enough funds to cover the transaction. Insufficient balance is a common reason for payment failures;
  • contact your bank: If your card is declined, it could be due to your bank’s security measures. Banks sometimes block international transactions or online payments as a precaution against fraud. Contact your bank to verify if it is blocking the transaction and request the representative to allow it;
  • use an alternative payment method: If one payment method fails, consider using an alternative. BuyGenerics accepts various payment options like credit cards, cryptocurrencies, or Zelle. Explore these alternatives to complete your purchase;
  • reach out to customer support: If you are unable to resolve the issue, don’t hesitate to contact our customer support team. We have experienced professionals who can guide you through the payment process, troubleshoot issues, and ensure a smooth transaction;
  • check for technical errors: Sometimes, technical glitches on the website or payment gateway can lead to payment failures. Refresh the page and clear your browser cache. If the problem persists, inform the customer support team about the specific error message you received;
  • consider using a different device or network: Sometimes, device or network issues can interfere with the payment process. Try using a different device or switch to a more stable internet connection to see if the payment goes through;
  • be cautious with multiple attempts: While it’s essential to resolve the payment issue promptly, avoid making multiple attempts in quick succession. Some financial institutions might interpret this as suspicious activity and block your card for security reasons. Allow a reasonable amount of time between attempts;
  • review the order and payment policy: Take a moment to review our e-pharmacy’s payment policy. Ensure you are complying with our terms and conditions regarding accepted payment methods and international transactions.

By following these steps and staying patient, you can effectively troubleshoot payment issues and proceed with your order. Remember, our customer support team is there to assist you, so don’t hesitate to reach out for personalized guidance in case of any payment issue.

Is There a Limit on Debit Card Payments?

Debit card spending limits, a safeguard put in place by your bank or credit union, can significantly affect your financial transactions. Every debit card has a maximum spending limit, ensuring that your expenditures align with your account balance and financial history. This limit is set by the institution issuing your card and can vary depending on the type of account you hold.

Attempting to make a purchase exceeding this maximum will result in your debit card being declined, even if there are sufficient funds in your account.

It’s crucial to know your limit, and fortunately, most banks are flexible. If you need a higher spending limit, most institutions will raise it upon your request. However, this increase can be either permanent or temporary, depending on your needs.

Moreover, the implementation of these limit adjustments can vary. Sometimes, your increased limit is instantaneously active. In other cases, it might take 24 to 48 hours to reflect in the system. Being aware of this timing is vital, especially if you’re planning a significant purchase right after contacting your bank.

This proactive step ensures that your significant transactions go through smoothly, offering you the flexibility you need in your financial transactions.

Here’s a glimpse into the debit card purchase limits from several major financial institutions:

  • Alliant Credit Union: $300 to $2,000;
  • Ally: $5,000;
  • Chase: $400 to $7,500;
  • Citibank: $5,000 to $10,000;
  • Wells Fargo: $600 to $10,000.

Notably, some banks offer specialized accounts with higher withdrawal limits, and specific debit card options might have distinct spending caps. To know the exact limit for your card, contacting your financial institution is essential.

What Is Altcoins? Can You Pay Using This?

In the dynamic realm of online payments, the term “Altcoins” has gained significant traction, especially within the cryptocurrency community. Altcoins, short for alternative coins, refer to all cryptocurrencies other than Bitcoin. While Bitcoin paved the way for digital currency, Altcoins diversified the landscape, offering unique features and applications to crypto enthusiasts globally.

At BuyGenerics online pharmacy, we are at the forefront of financial innovation, embracing the future of transactions.

In addition to Bitcoin, both on-chain and lightning network, we proudly accept a plethora of Altcoins, including but not limited to Ethereum (ETH), Ripple (XRP), Monero (XMR), Cardano (ADA), Binance Coin (BNB), Litecoin (LTC), Bitcoin Cash (BCH), and Dogecoin (DOGE). These Altcoins represent the pinnacle of cryptocurrency innovation, each with its distinctive strengths, making them more than just alternatives but powerful digital assets in their own right.

If privacy is a paramount concern for you, these cryptocurrencies offer advanced features ensuring your transactions remain confidential. Altcoins often integrate cutting-edge technologies. For instance, Ethereum, a leading Altcoin, enables smart contracts and decentralized applications (DApps), expanding the horizons of what’s possible in the digital realm.

In addition to Altcoins, our e-pharmacy accepts stable coins such as USDT (Tether) and USDC (USD Coin). These coins are pegged to stable assets like the US dollar, ensuring your transactions remain unaffected by the volatility often associated with other cryptocurrencies.

What’s more, when you opt for any of our cryptocurrency payment options, including Altcoins, you unlock an exclusive benefit.

All crypto payments come with an enticing 20% discount. It’s our way of appreciating your trust in our services and embracing the future of finance together.

Which Payment Method Should I Choose?

Choosing the right payment method depends on your preferences and priorities. If you value convenience and widespread acceptance, credit or debit cards, especially Visa and Mastercard, are excellent choices. They are accepted globally and offer secure transactions. If you prioritize privacy and decentralization, cryptocurrencies like Bitcoin or Altcoins provide a viable alternative. These digital currencies ensure anonymity and can be used for online payments on platforms that accept them.

Ultimately, the choice of payment method boils down to your comfort level with technology, your need for privacy, and the specific options and benefits provided by the online pharmacy such as discounts.

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