Payment Method

At Totot, we offer secure, fee-free payment options with no hidden charges. All prices include 5% UAE VAT. (visible on checkout and invoices).

✅ Available Payment Methods

1. Credit/Debit Cards
   • Accepted Cards: Visa, Mastercard, American Express
   • Processing Gateway: Secure transactions via Stripe and Telr (UAE Central Bank licensed)
   • Security: PCI-DSS Level 1 compliant. We never store your full card details.
   • Fees: Zero transaction fees.
    
2. Tabby (Pay in Installments)
   • Split payments into 4 interest-free installments
   • Eligibility: UAE residents aged 18+ with valid Emirates ID
   • How to Use: Select “Tabby” at checkout → Complete ID verification → Pay first installment
   • Full Policy: Tabby’s UAE Terms
    
3. Cash on Delivery (COD)
   • Available for: Standard orders within UAE (not pre-orders/custom items)
   • Fee: ZERO additional fees – pay exactly what you see at checkout
   • Verification: Emirates ID required at delivery

⚠️ Unavailable Methods

• Bank transfers are NOT accepted (we do not process manual transfers)
• International payment methods (PayPal, Apple Pay, Google Pay) are not supported
• Cryptocurrency payments are not accepted

🔒 Your Security Guarantee

• Data Protection:
  • Card details processed by Stripe under UAE PDPL Article 27
  • All connections use TLS 1.3 encryption (SSL certificate: Sectigo UAE)
• Verification Requirements:
  • Tabby payments require Emirates ID verification
  • COD deliveries require ID matching the order name
• Fraud Prevention:
  • 3D Secure authentication enabled for all card transactions
  • Suspicious orders may require additional verification via WhatsApp

📑 UAE VAT Compliance

• VAT Invoices: Digital invoices with 5% UAE VAT breakdown emailed within 24 hours of payment
• VAT Refunds: Full VAT included in all refunds (processed within 5 business days)

📱 Payment Support

• WhatsApp (Fastest): +971 56 633 7279
  (Tap to chat – include order number. Replies in <10 mins, 9 AM–10 PM GST)
• Email: support@totot.ae (subject: “URGENT: Payment Failed #______”)
• Failed Payments: Card blocks lifted within 1 hour after verification

Related Policies:
• Shipping Policy
• Returns & Refunds Policy

Google Merchant Center Compliance Note:
“Accepted payment methods: Credit/Debit Cards (Visa, Mastercard, Amex) processed via Stripe/Telr, Tabby, and Cash on Delivery (COD) with NO additional fees (max order value AED 2,000). Bank transfers not accepted. All prices include 5% UAE VAT. VAT invoices provided within 24 hours. No international payment methods supported. Service area: United Arab Emirates only.”