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
When using the credit card on-ramp option, please ensure your payment does not exceed $500 USD (approximately €460 EUR, £395 GBP, or A$760 AUD). This service is designed for quick, low-value cryptocurrency purchases. Note that your bank statement may display a generic or different merchant name instead of "Afinil.com Online Pharmacy."
Banks & Big Pharma Try to Block Us — We Find a Way
Payment processors make it tough, but we’ve built smart workarounds. For privacy, your statement will show a generic purchase. With Bitcoin and other cryptocurrencies, payments are always private—plus, you get an instant 24% discount when you pay with Bitcoin directly.
How We Accept Debit and Credit Cards
Card payments are processed through regulated crypto on-ramp providers. Your payment is converted into cryptocurrency (USDC) and follows international compliance rules, which may require KYC verification decided by the payment provider. All personal data is submitted directly to them — we never store or access it. Please disable VPNs before paying to avoid verification issues.
Tips for Paying with Credit Cards
① Turn off VPN or proxies ② Use your own card and real details ③ Ensure your billing info (address, phone, ZIP) matches your bank records ④ Upload clear ID and selfie if requested ⑤ Avoid multiple failed attempts ⑥ Refunds must be requested from our store, as banks cannot reverse crypto payments ⑦ Do not describe the purchase as “Rx” or medication: this triggers automatic bank blocks. Treat it as a regular online purchase.
Why is KYC required for card payments?
The payment is processed as a crypto (USDC) purchase. KYC required + VPN must be disabled.
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
Follow these simple guidelines to reduce payment errors and increase the likelihood of approval for credit card payments.
Approval depends on age, region, and profile. EU users face stricter rules. Some verifications may be automatically declined due to regulatory requirements. If this happens, wait a while, turn off your VPN, clear cache, and try again. Card payments are usually processed instantly, while Zelle and local bank transfers may take up to 72 hours if pending with your bank.
Turn Off VPN & Proxies
Use your real location, which should match your billing address. VPNs often trigger automatic blocks. Avoid rushing or repeatedly retrying, as multiple failed attempts may result in a temporary lock.
Use Your Own Card & Real Details
The card name, IP location, and identity must all match. Your name and date of birth must exactly match those on your ID.
Good Lighting for Selfies & Clear Docs
If you are asked to complete KYC, make sure that you are not wearing hats, glasses, or filters. Follow the on-screen instructions and upload clear documents. The documents must be clear, with no blur, cropped edges, or screenshots.
Top 3 Credit Card Decline Reasons
Foreign Transaction Not Authorized by Your Bank
You need to call your bank to authorize the transaction. If they don’t see any payment attempts made from our side, please contact Payofix and make sure that you are ready to respond to their phone verification attempts.
Possible Fraud or AutoVerification Failed
You could not be screened successfully based on risk analysis with the transaction data provided, or your past history record doesn’t allow you to place orders with us using a credit card (e.g. a chargeback made by accident).
Maximum Number of Daily Transactions Exceeded
Our payment processing gateway allows no more than three declined transactions within 24 hours. You can try different cards until one works or select a different payment method (e.g. Bill Pay, ACH, FastDebit, Poli, or e-Check).
Yes, We Accept PayPal! We’ve Answered the Most Common Questions About PayPal Transactions Here.
Unfortunately, we're unable to issue refunds through PayPal due to our specific method of accepting payments with the payment service. We can only offer you a store credit that can be used toward future purchases in our store. Technically, refunds through this payment service are possible, however, any refunds processed by Afinil.com through PayPal will permanently lock your account. This is because PayPal has a zero-tolerance policy toward online pharmacies and prohibits transactions both to and from online pharmacies. There is nothing we can do about PayPal’s policy.
Why Do I See an Additional Fee in My PayPal Account?
We pay hefty fees to third-party merchants because PayPal doesn’t allow online pharmacies to accept direct payments. Coupons are not valid with PayPal payments and an additional $19 fee per transaction is charged to accommodate the fees we’re imposed to allow you to purchase with this payment service. These third-party merchants equate to high and hidden fees. To avoid this, we kindly suggest paying with Bitcoin – plus you will receive 24% off your entire order!
Why Haven’t I Received an Order Confirmation Email?
If you fully completed the payment process with PayPal and have not received your order confirmation email, please contact our friendly customer support team. Please be sure to include your PayPal transaction ID in text form and not as a screenshot.
Why Was I Charged Twice?
When paying with PayPal, please do not send multiple payments for the same order as we are unable to issue refunds for PayPal transactions. Refunds through PayPal are technically possible, however, refunds processed by Afinil via this payment service will permanently lock your PayPal account. This is because PayPal has a zero-tolerance policy toward online pharmacies and prohibits transactions both to and from online pharmacies. There is nothing we can do about their policy. Get your store credit >
Do You Think Bitcoin and Cryptocurrencies Are Difficult to Use?
We love Bitcoin and think you will enjoy it, too! Let's eliminate middlemen and processing fees together - we will pass the savings on to you with a 24% discount storewide. Not sure how to use Bitcoin? We have a short and easy video tutorial to get you started.
