Credit Card Payments, KYC & Billing FAQ
We accept major debit/credit cards, including MasterCard, American Express, Visa; local bank transfers, Zelle, Venmo, ACH transfers, eCheck, Bill Pay, Apple & Google Pay, eCheck, PayPal, bitcoin, altcoins, stablecoins like USDC or USDT, and other cryptocurrency. When you reach the checkout page, you’ll see the payment methods that are currently available. Please note that not all options are available at all times, as their availability may change dynamically based on various factors.
If you tried to place an order but your card was declined and you didn’t receive an order confirmation email, please review this page carefully before contacting our customer support team. The information provided here is the same information our support team would provide to resolve your issue.
Let's Go Over a Few Important Details
Table of Contents
Why is KYC required for card payments?
We get it — being asked for personal data feels uncomfortable.
Here’s the straight answer, no nonsense.
When you pay by credit or debit card, your payment is processed as a cryptocurrency purchase (USDC) behind the scenes. This is called an on-ramp transaction.
Because fiat money is being converted into crypto, global regulations apply. Governments in the US, EU, Australia, and other regions require identity verification to prevent money laundering and terrorism financing. There’s no workaround — every compliant crypto on-ramp follows the same rules.
Additionally, cryptocurrency transactions are irreversible. This creates an extra layer of protection for crypto providers against chargebacks and fraud. Since payments cannot be reversed like regular card transactions, on-ramp companies must apply stricter verification and risk controls before approving a purchase to protect both their systems and the broader financial network.
That’s why our payment partners may ask for KYC (Know Your Customer) verification.
KYC is required only when you choose to pay by card via our on-ramp partners (for example, Stripe, MoonPay, etc).
On-ramps usually apply two verification levels:
- Light KYC: Email verification and basic personal details (such as an ID or SSN number, depending on country).
- Full KYC: Everything above, plus identity documents and a short live selfie (liveness check).
Which level is required is decided entirely by the payment provider and purchase amount, based on their internal risk checks. We do not control this.
Not us. Ever.
All personal information is submitted directly to the payment provider (Stripe/Link/Paybis/MoonPay/Ramp Network, etc). We never receive, store, or access your KYC documents.
They are regulated companies and fully compliant with GDPR and local data-protection laws.
Because EU crypto laws (MiCA and AML regulations) require payment providers to apply stricter identity and risk checks for all on-ramp transactions. Common decline reasons include VPN or location mismatch, incomplete or failed KYC, billing details not matching bank records, higher-risk merchant categories, and internal risk scoring by the payment provider.
Payment Tips & Best Practices
Yes, We Usually Do Accept PayPal Payments as Well
To prevent your PayPal account from being suspended, make sure your transactions are successful and you don’t need to request a refund. If a refund is necessary, accept a store credit instead of a direct refund to your PayPal account.
Yes, we offer several other payment options, including credit/debit cards, e-Check, Zelle, ACH Payments, Bill Pay, and Bitcoin.
If you have successfully completed your PayPal transaction, but haven’t yet received your order confirmation email, we encourage you to contact our customer support team. Remember to include your PayPal transaction ID in your message, preferably in text format rather than a screenshot.
Bitcoin Payments, Made Easy
Here Are Some Advantages of Using Bitcoin
Shopping for modafinil online at the best price has never been easier. Secure payment options like Visa, MasterCard, PayPal, and Bitcoin give you the freedom to shop your way. As an online pharmacy, we prioritize putting our customers first in everything we do.
Visa, MasterCard, or American Express – Which Is Better?
Visa, MasterCard, and American Express (AmEx) each offer distinct advantages depending on your lifestyle and spending habits. Visa and MasterCard dominate global acceptance, with Visa being recognized in about 200 countries and MasterCard slightly ahead in over 210 countries. Both are widely accepted by millions of merchants worldwide, making them reliable options for international use. While Visa has a stronger foothold in parts of North America and Asia, MasterCard holds an edge in Europe and South America.
When it comes to card features, Visa and MasterCard provide a range of rewards and benefits, often determined by the issuing bank. Visa cards typically focus on travel and cashback rewards, with premium tiers like Visa Infinite offering perks like travel insurance and airport lounge access. Similarly, MasterCard’s World and World Elite tiers deliver robust travel protections, retail rewards, and lounge privileges. Both networks offer concierge services, ensuring convenience for users with higher-tier cards. Fees for Visa and MasterCard are typically set by the issuing banks, with foreign transaction fees ranging from 1% to 3%, although many premium cards waive these fees.
AmEx, on the other hand, stands out for its premium perks and excellent shopper service. With acceptance in 160 countries, it may not match the global reach of Visa or MasterCard, but it remains a strong choice in major markets. Unlike Visa and MasterCard, AmEx acts as both the card issuer and payment network, allowing greater control over card features. Renowned for its travel benefits, higher cashback rates, and exclusive event access, AmEx cards like Platinum and Gold consistently rank high for customer satisfaction. However, its higher fees and interchange rates may deter cost-sensitive cardholders and merchants.
When choosing between these three options, consider your priorities. If broad acceptance and versatility are crucial, Visa and MasterCard are clear winners. For those seeking premium perks and top-tier customer service, AmEx offers exceptional value, though at a higher cost. The best card ultimately depends on your personal needs, whether for rewards, travel benefits, or everyday convenience.
How to Create a PayPal Account?
If you don’t have a PayPal account and want to buy modafinil with PayPal with or without insurance, signing up for PayPal is straightforward and can be done in a few simple steps. Here’s a detailed breakdown to guide you through the process.
- sign up while checking out: Many online stores offer PayPal as a payment option, making it convenient to sign up while shopping. When you reach the checkout page, select PayPal as your payment method. You’ll be redirected to PayPal’s secure network, where you can enter your personal details and billing information to create an account. This method ensures a smooth transition from shopping to registration without any hassle;
- select your account type: Once you access PayPal’s website, the next step is to choose the type of account you wish to create. PayPal offers two main options: a “Personal account” or a “Business account.” For individual users, a “Personal account” is generally sufficient, but if you’re setting up an account for business purposes, choose a “Business account.” It’s important to select the right account type to ensure you have access to the features you need;
- create your login details: Enter your email address and choose a strong password. This will be your access point to PayPal, so ensure your password is secure. For those signing up in Mainland China, make sure to use the name from your National ID in Chinese characters, not pinyin. Similarly, non-Mainland China residents should use their full name as written on their passport. This helps ensure your account is set up correctly and securely;
- provide personal details: PayPal will ask for more personal information, including your full name, date of birth, address, and contact details. Ensure that the information matches what’s on your National ID or passport for accuracy. You’ll also need to accept PayPal’s terms and conditions before proceeding with the next step;
- link your credit or debit card: To make shopping easier and safer, link a credit or debit card to your PayPal account. This allows you to complete purchases quickly without re-entering card details every time. Additionally, linking a card helps protect your financial information and provides added security for your online transactions;
- verify your email address: After completing the registration, PayPal will email you to confirm your email address. Simply click on the “Confirm Email Address” link in the email to verify your account. This step ensures that PayPal has your correct contact information and helps safeguard your account against unauthorized access;
- (optional) verify your mobile phone number: For extra security, PayPal offers the option to verify your mobile phone number. This provides an additional layer of protection and ensures that you can receive important updates regarding your account and transactions;
- explore your account: Once your account is set up, you can begin using PayPal to send and receive money, make online purchases, and manage your transactions.
With just a few clicks, you can access our cheapest price of generic “smart drugs” from our e-pharmacy. By following these steps, you’ll have your PayPal account set up in no time, ready to enjoy secure online shopping and easy payments.
Setting up the security features at the time of registration ensures that your PayPal account is well-protected from potential fraud and unauthorized access right from the start. You can update these security features anytime by visiting your account settings if needed.
Is There a Limit on Debit Card Payments?
Debit cards typically have payment limits, which vary depending on the issuing bank, the type of account, and local regulations. These limits are designed to protect users from fraud and unauthorized transactions while ensuring smooth account management. Most banks impose daily spending caps on debit cards, generally ranging from $300 to $50,000. Premium accounts or business debit cards often have higher limits compared to standard cards.
Separate from spending limits, ATM withdrawal caps usually range from $300 to $1,000 per day. These limits ensure account security while allowing users access to cash. For larger withdrawals, visiting a bank branch or requesting a temporary limit increase may be necessary. If you plan to make a large purchase that exceeds your daily spending limit, many banks offer the option to request a temporary increase. This process may require contacting your bank in advance or using their mobile app. In such cases, a credit card might be a better alternative, as they often come with higher limits and additional security features like chargebacks and fraud protection.
Some banks allow users to customize their debit card limits. By adjusting these limits through online banking tools, mobile apps, or direct communication with the bank, you can tailor your card usage to fit your needs while enhancing security.
Understanding your card’s limits and options ensures seamless transactions when you opt to buy modafinil online with a credit card, especially for significant purchases like bulk modafinil purchases or while traveling. Always check with your bank for specific details and guidelines.
What Is the Best Payment Method to Choose?
When choosing the best payment method, it’s important to consider where you are located and your specific preferences. In the USA, Visa, MasterCard, and American Express are widely accepted, providing robust consumer protections. PayPal is also a popular option for secure online transactions. For domestic payments, alternatives like eCheck, Zelle, and ACH Payments offer secure ways to transfer money, while Bill Pay allows direct payments from your bank account. In the UK, Visa and MasterCard remain dominant, along with PayPal for online purchases. The Faster Payments system also allows for immediate bank-to-bank transfers, making it a fast and efficient choice.
In Australia, Visa and MasterCard are commonly used, with PayPal being a popular choice for international transactions. For local payments, PayID and Poli offer quick and secure bank transfers, allowing users to pay directly from their accounts. In Europe, Visa and MasterCard are the most widely accepted, while PayPal ensures secure online purchases. For cross-border payments, SEPA Bank Transfers by IBAN are widely used, offering a cost-effective solution for international transactions.
Globally, Visa, MasterCard, American Express, and PayPal are the most reliable payment methods due to their widespread availability and security.
When trying to make a purchase, start by verifying your credit card balance to ensure there are enough funds to cover the purchase, especially considering any additional international transaction fees (usually 3-5%). If you run into issues, it could be due to incorrect billing details or your card provider’s fraud protection.
Next, verify your phone number and postcode to avoid delays. These details must match what your card provider has on file. If verification is required, our payment partner will contact you for a quick call to confirm the transaction.
Additionally, some card companies block international transactions for security reasons. If your payment is declined, reach out to your bank to authorize such transactions.
Phone verification ensures the legitimacy of your purchase. If you haven’t received a confirmation email, your transaction might still be pending verification. The payment processor will reach out to you to confirm the order details. If verification is not completed within 5 working days, the payment will be declined, and the order will not be processed.
Ultimately, Bitcoin and other cryptocurrencies like Ethereum (ETH), XRP, Monero (XMR), and Stable coins such as USDT and USDC are becoming increasingly popular as alternatives. With the low modafinil price, crypto payments offer numerous advantages, including decentralization, lower transaction fees, faster processing times, and enhanced privacy. They eliminate the need for traditional financial institutions, making them a more efficient and flexible option for global payments. Since we offer a 20% discount for Bitcoin payments, cryptocurrencies have emerged as a powerful alternative in the digital payment landscape, offering both savings and security.
Think Fast, Talk Smart, Stay Productive
Welcome to ModafinilXL, the longest-running modafinil online pharmacy with a proven track record. We offer exceptional value by providing generic modafinil and armodafinil at prices based on India’s manufacturing costs.
Supported by over 15,000 verified Yotpo reviews and more than 2,200 customer reviews on Reviews.io, our service reflects long-term customer trust and satisfaction. We stand by the effectiveness of our generic medications, including ModaXL (our bestseller with the purest formula), Extra strength moda & armoda, Modvigil, Modalert, ArmodaXL (fastest onset effects), Waklert, and Artvigil. That’s why we include 20 free samples with every order placed on ModafinilXL.
Now, you can have your prescription supply shipped either internationally at a lower cost or domestically for faster delivery.
ModafinilXL
825 Dawson Dr
Newark, DE 19713
United States
We Ship Worldwide
Tracked Int’l Express (7-12 business days)
Standard Shipping (10-18 business days)
Depending on stock we are pleased to offer domestic UK to UK, US to US, AU to AU, and local EU shipping options.
Domestic delivery times are 3-4 days within the USA and Australia, 3-7 days for UK domestic shipments via Royal Mail, and 7-12 days for deliveries throughout Europe.
International Express shipping includes full tracking, while Standard shipping is only trackable once it reaches the destination country. Neither option requires a signature. ETA: Thursday 19 Feb
Tracked Int’l Express $49 – FREE over $170
Standard Shipping $39 – FREE over $130
Domestic Shipping Options – FREE Over $150
EU Local Delivery – 39 € plus 50% of your order subtotal
All products are shipped in discreet packaging with no mention of ModafinilXL or any medication on the packaging.
We constantly monitor all orders and if there are any problems, you’ll be automatically notified with the option of a full refund or a free reshipment.
Example of tracking information
SECURE PAYMENT METHODS
US customers can choose from alternative, seamless and secure payment options including Zelle, ACH transfers, eCheck and Bill Pay. UK customers can use Faster Payments, while Australian customers have the option of PayID and Poli. In Europe, we accept SEPA transfers. Bitcoin payments receive a 20% discount.
PayPal and credit card payments are subject to availability and may incur a surcharge due to their strict online pharmacy policies. They may also require additional verification such as KYC or phone authentication.
DMCA Protected
Modafinil Online Pharmacy
Buy modafinil online – it is easy, affordable, and discreet! Our generic Provigil offers the same efficacy as the brand-name drug at a fraction of the cost.
Our products are manufactured by established pharmaceutical producers and undergo quality control to meet recognized industry standards, making generic modafinil a smart choice for budget-conscious and discreet buyers alike.
SSL & SECURE PAYMENTS
This website is secured with high-grade 256-bit encryption with an SSL certificate by Sectigo.
© 2025 ModafinilXL – ModafinilXL, ModafinilBuyOnline – Buy Modafinil Online ツ Cheap Modalert Pharmacy
