Terms of Payment

  1. General Payment Conditions

All payments made on the MANOR Living website are processed in accordance with applicable laws of Montenegro and international payment security standards.

Card payments are processed in cooperation with Monri and Hipotekarna Banka AD and are carried out in a secure and certified manner through the Monri Payment Gateway, by simply entering the payment card details.

In the event of a product return and refund to a customer who previously paid using one of the payment cards, partially or in full, regardless of the reason for the return, Manor Living d.o.o. is obligated to process the refund exclusively via VISA and MASTERCARD payment card which was used to make the initial payment, meaning that the bank will, at the seller’s request, refund the funds to the cardholder’s account.

By placing an order, you confirm that you are authorised to use the selected payment method.

All prices displayed on the website are expressed in EUR (€) and include applicable taxes unless otherwise stated.

  1. Accepted Payment Methods

We accept the following payment methods:

a) Cash on Delivery (COD)
Payment is made in cash to the courier upon delivery of the goods.

b) Bank Transfer (Proforma Invoice)
Payment can be made via bank transfer based on a proforma invoice (advance payment).
The customer may complete the payment through a commercial bank or Post of Montenegro (Pošta CG).
Orders paid via bank transfer will be processed and shipped only after the funds have been received in our bank account.

c) Online Card Payment
Online payments can be made using debit or credit cards approved for internet transactions, including:

  • Visa
  • Mastercard
  • Maestro

  1. Card Payments

Online card payments are processed through certified third-party payment providers.

3.1. Credit card purchase security statement

The confidentiality of your data is protected and ensured by using the latest version of TLS encryption. Online billing sites are secured using the Secure Socket Layer (SSL) protocol with 128-bit data encryption. SSL encryption is the process of encrypting data to prevent unauthorized access during its transmission.

This enables a secure data transfer and prevents unauthorized data access during communication between user and Monri WebPay Payment Gateway and vice versa.

Monri WebPay Payment Gateway and financial institutions exchange data by using their virtual private network (VPN) which is also protected from unauthorized access.

Monri Payments is PCI DSS Level 1 certified payment service provider regulated by Visa and Mastercard rules.

Credit card numbers are not stored by Merchant and are not available to unauthorized personnel.

Webshop uses the 3D Secure security protocol, which enables additional user authentication during online card payments, ensuring a higher level of protection and security of transactions through your bank’s system

  1. Currency and Conversion

All payments are processed in EUR (€).

If you are using a payment card issued by a foreign bank, the transaction amount may be converted into your local currency according to the exchange rate applied by credit card associations (VISA/Mastercard exchange rates apply). MANOR Living is not responsible for exchange rate differences or additional bank fees.

  1. Bank Transfers

If paying via bank transfer:

  • Payment must be completed within the timeframe specified in the order confirmation.
  • Orders will be processed only after funds are received.
  • If payment is not received within the specified period, the order may be automatically cancelled.

  1. Cash on Delivery

Where available, payment may be made in cash to the courier at the time of delivery.

Customers are required to provide the exact amount where possible. Availability of this payment method may depend on order value and delivery location.

  1. Failed or Declined Transactions

If a payment is declined:

  • The order will not be processed.
  • You may attempt payment again using the same or a different payment method.
  • MANOR Living is not responsible for transaction refusals caused by the customer’s bank or payment provider.

  1.  Fraud Prevention

To prevent fraud and unauthorised transactions, we reserve the right to:

  • Request additional verification
  • Delay order processing
  • Cancel suspicious transactions

If an order is cancelled for security reasons, the customer will be notified and refunded if payment was already captured.

  1.  Invoicing

An electronic invoice will be issued for each completed purchase and sent to the email address provided during checkout.

Invoices are stored in accordance with accounting regulations of Montenegro.

  1.  Contact Information

For any payment-related questions, please contact us:

Email: living@manor-montenegro.com
Phone: +382 69 885 995
Address: Ulica Blaza Jovanovica br. 1, Boka Place, Porto Montenegro, 85320 Tivat, Montenegro