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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 Discuss Some Key Details​

  • 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 20% discount when you pay with Bitcoin directly.

  • How We Accept 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. When using the credit card on-ramp option, please ensure your payment does not exceed A$760 AUD (approximately $500 USD, £395 GBP, or €460 EUR). This service is designed for quick, low-value cryptocurrency purchases.

  • 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.

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Table of Contents

Why is KYC required for card payments?

The payment is processed as a crypto (USDC) purchase. KYC required + VPN must be disabled.
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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.
  • 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.

  • Age, Region & Profile Matter

    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.

  • Billing Descriptor & Processing Time

    Card payments are usually processed instantly, while Zelle and local bank transfers may take up to 72 hours if pending with your bank. Your statement may show a generic or different business name instead of our store name.

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We're All About Convenience, So PayPal Payments Are Welcome Here Too

A quick heads-up: While we're happy to accept PayPal, our refund process is not currently linked to this payment mode. But fear not! Our refund process is seamless and ensures that you get your money back without any hassle.
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  • Please Note: Additional PayPal Fee Applies

    To comply with PayPal's regulations for online pharmacies, we've turned to external vendors for Modafinil payment processing, resulting in significant fees of A$20 per transaction. We regret to inform you that our money-saving voucher codes cannot be used for PayPal payments. But don't worry! To avoid these extra costs, we recommend using Bitcoin as your payment option. Using cryptocurrency not only simplifies the process, but you'll also receive an impressive 20% discount on your entire purchase!

  • Please Avoid Multiple Payments via PayPal

    We ask that you avoid making multiple payments for the same order via PayPal. It's important to note that PayPal has strict rules regarding transactions with online pharmacies, both for incoming and outgoing payments. As a result, refunds cannot be processed through this platform. These policies are beyond our control, and we appreciate your understanding.

  • Why Can’t I Get a Refund via PayPal? What Do I Do If I Need One?

    Unfortunately, we can't process refunds through PayPal due to our payment system. While PayPal does technically allow refunds, using them for ModafinilAU transactions could result in your PayPal account being permanently suspended. This service has strict policies regarding online pharmacies and strictly prohibits transactions with them. However, you do have the option to receive a store credit instead. Simply contact our support team, and they'll arrange this for you. This store credit is flexible and can be used for future purchases on our site, just like cash!

Keep your transactions running smoothly and minimise refund requests. If a refund is unavoidable, opting for a store credit rather than a direct refund to your PayPal account can help maintain your account status.

Of course, there are! We’ve got you covered with multiple payment options. You can pay with major credit cards, including Mastercard, Visa and AmEx, PayID and BPAY or even Bitcoin, which is our favourite.

Have you completed your PayPal transaction but haven’t seen the confirmation email yet? Don’t fret! Contact our world-class customer support team, and we’ll get it for you in no time. Don’t forget to include your PayPal transaction ID in your message. If you enter the information instead of providing a screenshot, we can help you more quickly.

Simplified Bitcoin Payments

Get an instant 20% discount! Take advantage of the benefits of using cryptocurrencies like Bitcoin! Because transactions are peer-to-peer, you bypass banks and middlemen, reducing fees and simplifying the payment process.

Unlock the Benefits of Bitcoin

  • No Middlemen

    Bitcoin works on a peer-to-peer basis, bypassing traditional banks and middlemen for faster transactions and minimal fees. As a bonus, you get an exclusive 20% discount on all crypto purchases. We're able to offer this discount because we avoid excessive transaction costs and pass the savings on to you.

  • Absolute Privacy

    When it comes to privacy, Bitcoin transactions put traditional payment methods to shame. Although they are recorded on the blockchain, BTC transactions keep the identities of the parties involved confidential. Plus, using crypto is a breeze. Once you've set up your BTC wallet and purchased some Bitcoins, making transactions is as simple as sending an email.

  • As Simple as Sending an Email

    Navigating Bitcoin may seem overwhelming at first, but fear not – we're here to make it easy! Dive into our quick and easy video tutorial to familiarise yourself with the basics of Bitcoin. Plus, our dedicated support team is always on hand to solve any problems you may encounter. Ready to give Bitcoin a try? You might find it's more accessible than you ever imagined!

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Google and Other Search Engines Like the Text Below

Search engines like Google, Bing, DuckDuckGo, and Yahoo give preferences to websites with extensive text, leading to higher traffic. The below text is included to satisfy robots because we don’t spam or do keyword stuffing.

What’s your preferred payment method for online shopping: credit card, PayID, PayPal, BPAY or Poli? Guess what… We accept them all, so you can choose the one you find most convenient.

Visa or MasterCard - Which Is Better?

Visa and MasterCard are widely accepted global payment networks that offer various benefits. However, there are some key differences to consider when looking to choose one over the other. Let’s take a closer look at each of them.

Visa card is one of the most recognized and accepted credit card brands in the world. It has an extensive network, making it accepted by countless merchants, businesses, and online retailers, both online and offline. Some of the major benefits associated with it are that it comes with built-in security features and reward programs that allow users to earn points or cashback on purchases.

MasterCard also has a vast network that makes it versatile and widely accepted across the world. What makes it stand out is the fact that the company constantly introduces cutting-edge payment features and technologies that boost user experience. Some of the benefits associated with MasterCard include the access it provides to premium services, exclusive offers, and discounts on purchases.

By now, you can tell that the difference between both cards is quite small. The decision on which one to choose will depend on your personal preference. If you prioritize ease of use, Visa card might be the right choice for you. However, if you’re drawn to premium services, innovative features, and potential discounts, then MasterCard may be a better fit.

How to Pay Someone with PayID

We offer our esteemed AU customers the option of making payments with PayID, one of the fastest and easiest ways of transferring money directly from your bank account without the need for traditional bank details. Here’s a step-by-step approach to paying someone with this payment method.

  1. Register for PayID: This involves linking your preferred contact information (mobile number or email address) to your bank account. Contact your bank or visit their online portal to complete the registration;
  2. Obtain the Recipient’s PayID: To pay someone, you need to know the contact info they registered with. It could be their mobile number or their email address. Be sure about this so you don’t send money to the wrong person;
  3. Access Your Online Banking: Login to your mobile banking app or online portal;
  4. Initiate Payment: Navigate to the “Transfers” or “Payments” section of the banking interface and select the option to make a new payment;
  5. Enter the PayID of the Recipient: Enter the mobile number or email address of the person you intend to pay, depending on what they used to register for PayID. Once you enter the details, your bank may display the name of the recipient;
  6. Confirm and Authorize Payment: Review the recipient’s name and amount you intended to send, then confirm and authorize payment if you’re certain.

If everything goes smoothly, you will receive a confirmation email from your bank, notifying you of the completed transaction. Note that new updates are constantly made to the app. As a result, the steps might vary slightly from what we’ve described above. However, you should still be able to follow up.

How to Create a PayPal Account in Australia

PayPal is a secure online payment platform you can use to buy modafinil on ModafinilAU from Australia or certain other parts of the world.

Don’t have a PayPal account? Here’s how to create one:

  1. Visit www.paypal.com;
  2. Click “Sign Up;”
  3. Select “Personal Account” as your account type;
  4. Enter the email you’d like to use for transactions. Also, enter a password;
  5. Fill the form with your name, birthdate, and other details;
  6. Link a bank account or card to your now-created PayPal account and confirm email.

Follow these steps, and your PayPal account will be ready to send and receive money anywhere in Australia.

How to Pay with Poli in AU

Making payments with POLi in AU is pretty straightforward. If you’re just visiting Australia for the first time and are not familiar with the online payment system, here’s how to pay someone with it:

  1. If you intend to pay for your modafinil order with POLi or use the service on any other online store, select “Pay with POLi” on the checkout page. You’ll be redirected to a POLi payment page.
  2. Select your bank account on the payment page.
  3. Log in to your bank account. This step is important, as it links your bank account to the POLi payment system.
  4. Select the account you intend to use for payment. Note that this step is only necessary if you have multiple accounts linked to your online banking.
  5. Review the payment details, then confirm it, and the payment will be processed.

You should receive a receipt or an email notifying you of whether the payment was successful or not. In case you’re wondering, unlike with PayPal, creating a separate POLi account isn’t necessary. Payment with POLi should only be used on secure and reputable websites, such as ModafinilAU, so you don’t get phished.

What Is the Best Payment Method to Choose?

We’ve taken a look at a good number of payment methods, all of which we accept on ModafinilAU. But which one is the best one for secure, seamless, and cost-effective payment? Is it Visa, MasterCard, or any of the major credit cards? Is it PayID, PayPal, or POLi?

Well, it may interest you to know that the best isn’t listed in this guide. It is one of the most innovative payment solutions; it is superfast, secure, and attracts the most discounts to you on our platform. Drumroll… It is Bitcoin!

While we’re mentioning this for the first time, the truth is that Big Pharma, Banks, and payment solutions (PayPal, etc.) linked to banks make transacting difficult for both us (online pharmacies) and our customers. They charge us fees at every turn, which affects our price, even though we constantly strive to offer the lowest possible price. For example, each time a customer makes a payment with PayPal, we lose about 38% in fees to payment processors.

But with Bitcoin, the case is different. Since we don’t have to pay any fee, we save money, which we transfer to our customers. This is why we give you a special 20% discount each time you pay us with Bitcoin. Try placing an order now and selecting Bitcoin as your choice of payment to see how the discount slashes the total order price.

N.B. We still accept all the other payment methods listed above. While we found a workaround to escape them halting or throttling our modafinil payments (we did that by replacing the name of our online store in your bank statements), we still pay all the fees. This is why we can’t afford to offer you discounts when you use them.

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