Checkout Policy

Checkout Policy

Terms Governing Payment and Transaction Completion
Effective Date: May 2025

1. Introduction

This Checkout Policy governs all payment transactions made on the PMDAN website (https://pmdan.org/) and through PMDAN's authorised payment channels. By proceeding to checkout and completing a payment, you confirm your agreement with this policy and PMDAN's Terms and Conditions.

2. Accepted Payment Methods

  • Debit and credit cards (Visa, Mastercard, Verve)
  • Bank transfers (where applicable)
  • Online payment platforms integrated via our payment provider

All payments are processed through secure, PCI-DSS compliant third-party payment providers. PMDAN does not directly handle or store card details.

3. Accepted Currencies

  • Nigerian Naira (NGN) – for domestic transactions
  • US Dollar (USD) – for international participants where applicable
  • Euro (EUR) – for international participants where applicable

Currency conversion is handled by your card provider or the payment processor. PMDAN is not responsible for exchange rate fluctuations or bank conversion fees.

4. Pricing and Fees

  • All prices are clearly displayed at the point of checkout.
  • Prices include applicable taxes unless stated otherwise.
  • PMDAN reserves the right to update pricing at any time. The price displayed at the time of your transaction is the price that applies.
  • No hidden fees are applied by PMDAN. Any processing fees, where applicable, will be disclosed at checkout.

5. International Transactions

  • PMDAN accepts international debit and credit cards.
  • Cross-border transactions are supported.
  • International cardholders may be subject to foreign transaction fees applied by their card issuer.
  • All international payments are subject to our standard terms, including the Refund and Cancellation Policy.

6. Payment Security

  • All transactions are encrypted using industry-standard SSL/TLS protocols.
  • Payment data is processed by PCI-DSS certified third-party providers.
  • PMDAN does not store, view, or retain card numbers, CVV codes, or banking credentials.
  • In the event of suspected fraud or unauthorised use, please contact us immediately at [email protected].

7. Order Confirmation

Upon successful payment, you will receive:

  • An on-screen confirmation of your transaction.
  • A confirmation email containing your transaction reference and details of the service purchased.

If you do not receive a confirmation email within 24 hours of payment, please check your spam folder or contact [email protected].

8. Access to Services

  • Digital services (webinars, training, certifications) will be made accessible following successful payment confirmation.
  • Access credentials or joining instructions will be sent to your registered email address.
  • Membership access will be activated within 1–2 business days of confirmed payment.

9. Failed and Declined Transactions

  • If a payment is declined, you will be notified immediately on screen.
  • Failed transactions are not charged.
  • Common reasons: insufficient funds, incorrect card details, or bank restrictions on international payments.

10. Duplicate Payments

If you believe you have been charged more than once for the same transaction, contact [email protected] immediately with your full name and transaction reference. Verified duplicate payments will be refunded within 5–10 business days via the original payment method.

11. Refunds and Cancellations

Refunds and cancellations are governed by PMDAN's Refund Policy and Cancellation Policy.

12. Chargebacks and Disputes

  • You must contact PMDAN directly before raising a chargeback or payment dispute with your bank.
  • Fraudulent or unjustified chargebacks may result in the suspension of your PMDAN account and access to services.

13. Customer Support

For any checkout-related queries, please contact:

Our team will respond within 2 business days.

Document effective: May 2025  |  Issued by: PMDAN Secretariat  |  Contact: [email protected]