Credit Card & Billing FAQ

We accept major credit cards, including MasterCard, American Express, Visa; PayPal, Zelle, ACH transfers, eCheck, Bill Pay, 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 carefullyΒ 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

  • Big Pharma and Banks Want to Take Us Down

    Payment processors make it tough, but we’ve built smart workarounds. You can still pay safely with credit cards, PayPal, Zelle, ACH, eCheck, Bill Pay, and moreβ€”your statement will simply show a generic purchase for privacy.

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

    Card and PayPal processors charge us up to 38% per sale (no worries, it's on us)β€”far above the standard 2.5%. That’s why PayPal has a $20 fee and no discounts. With Bitcoin and crypto, payments stay private, secure, and fee-freeβ€”plus you get an instant 20% discount.

  • Tips for Paying with Credit Cards

    To avoid declines, ensure your billing details (address, phone, ZIP) match what’s on file with your card issuer. Many US banks block overseas charges by default, so call ahead to approve international payments. Note: some banks may add their own feesβ€”we don’t see a cent of that. If declined, double-check your balance and billing info.

Table of Contents

Credit Card FAQ & Verification by Phone

Why has my card been declined and what do I need to do next?

Watch Our Explainer Video on How Our Billing System Works


Phone verification is a process performed to validate a genuine transaction; it’s not a sales call. If you have placed an order but have not received an order confirmation email, your transaction has likely triggered a manual phone verification and has not yet been processed. In such cases, our payment processor will contact you with a polite verification call to authenticate your transaction with the ModafinilXL pharmacy. If the transaction is not verified within 5 business days, the payment will be declined and your order will not be processed.

Contacting your bank or credit card company to authorize a foreign transaction or after the purchase has been made is not the same as telephone verification. Please refrain from mentioning ModafinilXL online pharmacy, prescription drugs, or pills during your conversation with your bank, as such purchases are not approved by major banks or credit card companies. PayPal may suspend both your and our accounts if you mention prescription drugs. Β Instead, simply say that your transaction involves online shopping overseas. This will help us serve you faster and ensure prompt delivery of your medication.

If you’re still having trouble, please consider using a different card if available, or try a different payment method. If none of the above solutions work, please contact our customer support team for further assistance.

Some Tips for Making Payments

So, you've gotten in touch with your bank and they've approved the transaction, or perhaps you don't notice any payment attempts on your account. What should you do next?
  • Billing Descriptor

    The charge will appear under a different name than our store.

  • 72-Hour Hold

    Some transactions may take up to 72 hours to clear.

  • US Payments

    Card payments are usually instant. If declined, try another card. Zelle transfers may take up to 72 hours.

Here's Our Short Credit Card Billing FAQ

There are many reasons for a declined payment, usually related to your bank blocking the transaction, especially international ones. To resolve this:

  1. Contact your card provider, inform them about the declined transaction and ask them to authorize it. Don’t mention drugs, pills or our site. Just explain that you’re shopping online.
  2. Once authorized, try the payment again. If you are still declined, you can try a different card or payment method.

You are now ready to place a new order. Don’t worry about duplicate charges, as we will cancel any previous orders in the queue under the same name. When paying with PayPal, please do not send multiple payments for the same order as we are unable to issue refunds for PayPal transactions.

Your transaction is likely awaiting phone verification. Our payment processing company will contact you shortly for more information.

If it appears that you have been charged more than once, but have not received an order confirmation, it’s likely that your transaction needs to be verified by phone before it can be approved.

If your payment hasn’t been confirmed, simply place a new order if needed. We’ll automatically cancel your previous orders. If it is confirmed, you can cancel it within 2 hours of payment.

Before requesting a chargeback, please contact us first for a refund request. Claiming a chargeback without contacting us is considered fraudulent under U.S.C. Title 18 Section 1029.

Yes, our site uses SSL certification and 128-bit encryption for secure transactions.

Refunds may take 2-30 business days to process. It should appear in your account within 4-7 business days.

Yes, we accept these as long as they’re enabled for international transactions.

Unfortunately, we do not accept Western Union payments.

Card issuers and banks often prohibit the direct purchase of prescription drugs online. We’ve found a legal solution that requires phone verification and possible authorization from your bank.

Yes, We Usually Do Accept PayPal Payments as Well

However, it's important to note that our method of accepting PayPal payments does not allow us to process refunds through PayPal.

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

Get a 20% better price, instantly. Using cryptocurrencies like bitcoin has many advantages! Bitcoin transactions are peer-to-peer, which means they don't go through a bank or other intermediary. This eliminates many of the difficulties and fees associated with traditional payment processing.

Here Are Some Advantages of Using Bitcoin

  • No Middlemen

    Bitcoin is peer-to-peer, with no banks in the middleβ€”meaning faster transactions, lower fees, and a 20% discount on all Bitcoin orders since we pass our savings directly to you.

  • Ultimate Privacy

    Unlike traditional payments, Bitcoin keeps your identity private. Transactions are recorded on the blockchain, but your personal details aren’t linked. Once your wallet is set up, paying is as simple as sending an email.

  • As Easy as Sending an Email

    New to Bitcoin? Don’t worryβ€”we’ve made it simple. Watch our quick tutorial and let our support team guide you if needed. Many customers discover it’s far easier than they expected!

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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 β€œPersonal account” or a β€œBusiness account.” For individual users, a β€œPersonal account” is generally sufficient, but if you’re setting up an account for business purposes, choose a β€œBusiness 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 β€œConfirm 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 β€œsmart 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.

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