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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 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

  • Big Pharma and Banks Want to Take Us Down

    This gang of bankers and big pharma types have passed laws that make it hard for us to accept cards, PayPal, and other payments you're used to. Every payment is a big challenge for us. But don't worry, we've found a workaround. We still accept standard payments like major debit/credit cards (MasterCard, American Express, Visa) and PayPal. For our folks in the U.S., we have other smooth and secure options like Zelle, ACH transfers, eCheck, and Bill Pay. Because we use a sophisticated and customized payment system, you won't see the name of our online store on your bank statement. Instead, it'll look like you bought something from a garden store in Europe, paid for an accounting or consulting service, or bought something from a random online store in Asia.

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

    These third-party processing gateways that e-pharmacies like us have to use charge us an arm and a leg for every sale. We have to shell out big bucks to our merchant partners who help us accept cards and PayPal, sometimes as much as 38% of the payment amount when the standard is only 2.5%. While we pay most of these fees out of our own pocket, some payment methods mean you'll have to pay a little more. For example, PayPal payments have an extra $20 fee, and you can't use coupons or discounts with this method. Also, if you pay with PayPal, don't send multiple payments for the same order - we can't issue refunds for PayPal transactions. That's why we're head over heels for bitcoin, and why we're happy to pass on you the 20% discount we'd normally give to some greedy banker. By choosing modern payment options like bitcoin and other cryptocurrencies, you get to share in the savings, your payment information is kept secure, and your payment remains anonymous.

  • Tips For Paying with Credit Cards

    Just a heads up, depending on our current payment partners, you may need to verify your address, phone number, and other details to prove you're the legitimate owner of the credit card. Make sure the billing address and phone number you provide matches what is on file with your card issuer. And here's a tip: Many US card issuers block charges from overseas (like the EU, China) by default. So it's a good idea to give your card issuer a heads-up before you buy something to let them know you're okay with overseas charges. It'll make your purchase go a lot smoother. But watch out, your bank may add extra fees because the payment may come from overseas. We don't get a penny of these extra fees - it's just your bank's greed in action. And if your card is declined, make sure you have enough money in your account and that your billing zip code matches your card information. These are usually the main reasons a card is declined.

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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

  • First, Check Your Credit Card Balance

    Card declination can occur due to various reasons, including insufficient funds, incorrect billing information, or anti-fraud measures enacted by your card provider. Ensure you have sufficient funds in your account to cover the transaction plus a possible additional 3-5% international transaction fee taken by your bank, not us, that may occur for some transactions because we may be charging you from overseas.

  • Verify Your Phone Number & Billing Zip Code

    For some purchases made on our site using a credit or debit card, a phone verification step is necessary. To avoid any delays, please provide a valid phone number during your order placement and double-check the billing information you've entered, especially the billing address and ZIP code. Make sure they match exactly with the details your card issuer has on file. Our payment processing partner will get in touch with the cardholder for transaction verification. This is done over a call and involves answering a few questions to authenticate the transaction. You'll need to confirm (1) the total amount of the order and (2) the merchant's name (ModafinilUSA) to the representative on the call.

  • Authorize International Transactions with Your Card Issuer

    Many card providers may block certain transactions, especially international transactions, as an anti-fraud and security measure. If your transaction is declined, it's likely for this reason. If you're having trouble with your transaction, contact your bank and ask them to allow international card transactions. Once this is done, you should be able to place your order without any problems.

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 ModafinilUSA 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 ModafinilUSA 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.  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?
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  • In Case Your Bank Has Given the Green Light to Your Transaction...

    Once your bank approves the international transaction and you've successfully completed the phone verification process, you should receive an order confirmation email within 48 hours. Rest assured, you won't be charged twice, as we routinely cancel previous orders under the same name to prevent duplicate charges. If you notice a charge but haven't received an order confirmation email, it's possible that your payment is only being pre-authorized. This means that no money will be deducted until we verify your transaction over the phone. Banks may hold funds on such orders for up to 5 business days before either approving or declining the payment. When paying with PayPal, please do not send multiple payments for the same order as we are unable to issue refunds for PayPal transactions.

  • Why Am I Seeing a Foreign Transaction Fee? Was I Overcharged?

    Noticed a higher than expected charge? This could be because your bank charges additional fees for international transactions. Since all payments are processed overseas, banks may add a foreign transaction fee, typically around 3% to 5%, for each international payment. Please note that neither our store nor the payment processor receives this fee. To avoid any unexpected charges, please contact your bank to inquire about potential foreign transaction fees before making a purchase.

  • I Don't See Any Payment Attempts From ModafinilUSA Store, Why Is That?

    If you have already spoken with your bank and still don't see any payment attempts from us, it's likely because your transaction is in line for phone verification. An agent from our payment processor will contact you shortly with a friendly call to confirm your recent transaction on ModafinilUSA. If we can't verify the transaction over the phone within 5 business days, your order will be automatically canceled. If you continue to experience problems with your order verification, please feel free to contact our support team.

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.

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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.
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  • PayPal Has an Additional Fee. This Is Due to the Extra Fees PayPal Charges for Transactions

    Due to the restrictions placed by PayPal on online pharmacies, we rely on third-party merchants to process payments, which results in significant fees. For this reason, an additional charge of $20 per transaction is applied when you choose to use PayPal. Unfortunately, our coupon codes cannot be applied to PayPal payments. To circumvent these additional costs, we recommend considering Bitcoin as a payment method. Not only does it offer a simpler, fee-free payment process, but you'll also receive a 20% discount on your entire order when you pay with Bitcoin!

  • Please Avoid Sending Multiple Payments via Paypal

    We urge you not to make multiple payments for the same order when using PayPal, as we are unable to issue refunds through this platform. Unfortunately, PayPal enforces strict policies that prohibit transactions with online pharmacies, both inbound and outbound. These policies are beyond our control.

  • Why Can’t You Process Refunds Through PayPal? What if I Need It?

    Due to our specific method of accepting payments, we can't issue refunds through PayPal. While it is technically possible to issue refunds through PayPal, doing so for transactions from ModafinilUSA could result in the permanent suspension of your PayPal account. PayPal has a strict policy against online pharmacies and restricts any transactions to or from such entities. Unfortunately, we have no control over their policies. You may choose to receive a store credit instead. Contact our support team to request a store credit for your purchase.The store credit can be used towards any future purchases in our store. It's not product-specific and is as good as cash on our site.

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

    Since Bitcoin transactions are peer-to-peer, there are no banks or other intermediaries involved. This can lead to faster transactions and lower fees. Discounts: We offer a 20% discount for all purchases made with Bitcoin. This is because we save on transaction fees and pass those savings on to you.

  • Ultimate Privacy

    Bitcoin transactions can be more private than transactions made with traditional payment methods. While all Bitcoin transactions are recorded on the blockchain, the identities of the people involved in the transactions are not. Ease of use: Once you have a Bitcoin wallet set up and have purchased some Bitcoin, making a transaction is as simple as sending an email.

  • As Easy as Sending an Email

    We understand that using Bitcoin can be intimidating if you're not familiar with it, but we're here to help! We have a short and easy video tutorial to get you started with Bitcoin. Plus, our support team is always available to assist you with any difficulties you might have. So why not give Bitcoin a try? You might find that it's easier to use than you think!

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What Is the Difference Between Visa and MasterCard?

Visa and MasterCard are global payment networks that provide individuals with access to credit cards and the ability to make purchases or payments at millions of locations worldwide. Both credit cards are accepted by countless merchants, online retailers, and businesses around the world. These networks offer robust security features and protection against unauthorized transactions or fraudulent activities. Besides, many Visa and MasterCard credit cards come with rewards programs, cashback offers, travel benefits, and exclusive discounts. While both offer similar benefits, there are subtle differences between the two networks:

  • Visa and MasterCard offer varying additional advantages and incentives. However, the bank that issues your card significantly influences the benefits and conditions of use;
  • both networks implement distinct security measures;
  • MasterCard includes a feature known as price protection, which involves refunding the price difference if an item’s cost reduces within 60 days of purchase.

Also, both credit cards have different exchange rates when used abroad. Although both rates closely align with the market rate employed by currency traders, historically, MasterCard’s rate has been more favorable.

How Is American Express Different from Visa and MasterCard?

American Express (AmEx) is a financial services company that operates as both a payment network and a card issuer. Unlike Visa and MasterCard, which collaborate with various banks and financial institutions to issue cards, AmEx issues its cards directly to consumers. Also, AmEx credit cards offer numerous benefits, including purchase protection, exclusive rewards programs, and travel benefits. Here are several key differences that set AmEx apart from Visa and MasterCard:

  • acceptance: While AmEx is widely accepted, its network is not as extensive as Visa and MasterCard, particularly in international locations;
  • cardholder demographics: The company’s cards are often associated with higher-income individuals and premium cardholders, offering upscale benefits and services;
  • merchant fees: Merchants may pay higher fees to accept AmEx cards compared to Visa and MasterCard transactions;
  • card issuer: The company issues its credit cards, meaning it has more control over the features, rewards, and benefits offered on its cards;
  • premium focus: AmEx has a strong focus on premium and exclusive offerings, making it appealing to consumers seeking luxury experiences.

When choosing between AmEx, Visa, and MasterCard, consider your spending habits, lifestyle, and preferences. An AmEx card could be a great fit if you value premium rewards, exceptional customer service, and exclusive offers. However, if wide global acceptance and network coverage are more important to you, Visa or MasterCard might be a better choice.

How Long Do ACH Transfers Take

Automated clearing house (ACH) transfers are electronic transactions used to move funds between US bank accounts. The time for completion varies based on factors like processing intervals, transfer type (standard or next-day), ACH debit/credit, and external impacts like holidays. Standard ACH transfers usually take 1–3 business days, while next-day ACH expedites the process for a fee. Cut-off times and weekends also affect timing. International ACH transfers and bank-specific policies can further influence transfer duration.

Check with your bank or financial institution for its specific processing times and any fees associated with ACH transfers. If you’re using ACH transfers for payments or purchases, including buying modafinil from ModafinilUSA, make sure to initiate the transfer well in advance to ensure timely processing and delivery.

How to Create a PayPal Account in USA

Creating a PayPal account in the USA is a straightforward process. Follow these detailed steps to set up your PayPal account:

  • visit the official website on your browser and click on “Sign Up”;
  • choose your account type: PayPal offers two types of accounts: personal and business. Select “Personal Account” if you’re using PayPal for personal transactions or “Business Account” if you’re using it for business-related transactions;
  • enter the email address that you have access to; it will be linked to your PayPal account and used for communication;
  • provide a phone number for added security;
  • if prompted, complete any CAPTCHA challenges to prove you’re not a robot;
  • confirm your phone number: PayPal will send a verification code via text message, which you’ll need to enter on the website;
  • create a strong and secure password for your account;
  • enter your personal information: Input your first name, last name, ID number, and date of birth accurately as per your identification documents;
  • add address details: Fill in your residential address, including street address, city, state, and ZIP code;
  • agree to the user agreement and privacy policy: Read through PayPal’s user agreement and privacy policy and then agree to the terms and conditions to create an account;
  • link your credit card or bank account to your account and input the card security code;
  • verify your email address: After completing the above steps, PayPal will send you a verification email to the address you’ve provided. Open the email and click on the verification link to confirm your email address;
  • start using your PayPal account.

Creating a PayPal account in the USA opens the door to hassle-free online transactions, enhanced security, and the ability to conveniently manage your finances. 

With your account in place, you’ll be well-equipped to make safe and efficient payments for products and services, including your modafinil purchases from ModafinilUSA.

How to Open Zelle Account in USA

Opening a Zelle account in the USA involves verifying eligibility with a participating bank, accessing Zelle through the bank’s app or online platform, linking an email or phone number, verifying identity, selecting a bank account, creating a Zelle profile, and confirming terms. This provides a secure and efficient method for instant money transfers within the Zelle network.

This process streamlines transactions and eliminates the need for lengthy account details. With Zelle, you can enjoy seamless money transfers for various purposes, including making purchases, paying bills, and, in this case, even acquiring modafinil from ModafinilUSA.

So, Which Payment Method Is Better to Choose?

The choice of payment method ultimately depends on your preferences, convenience, and the level of security you seek. 

Credit cards like Visa, MasterCard, and AmEx offer ease of use and various benefits. PayPal ensures additional security for online transactions, while Zelle and ACH transfers provide direct bank-to-bank transfers. Evaluate your needs and make an informed decision based on the options available.

At ModafinilUSA, we strive to make your shopping experience seamless. Whichever payment method you choose, rest assured that your transaction will be processed securely and efficiently, allowing you to focus on reaping the benefits of modafinil.

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