A traditional bank transfer is intended for customers who prefer to make the payment themselves using online banking, at a bank branch or through another bank transfer service.

After placing an order, the customer receives an email containing the bank account number, payment currency and amount to be paid. The order is released for processing after the payment has been credited to Melkib's account.

The order number should be entered in the payment reference. Customers must use the bank account and currency specified in the confirmation of the particular order.

Any bank fees or currency conversion costs depend on the customer's bank and the type of transfer selected.

For cash-on-delivery shipments, payment is made when the order is collected. Depending on the carrier, destination country and selected service, payment may be possible in cash, by card or through another method supported by the carrier.

When collecting a parcel from a parcel locker or collection point, the customer must use a method supported by the operator of the particular device or location.

Cash on delivery is not available for every country, delivery method or order value. Its availability is confirmed in the cart.

Electronic payments are processed through the ING Pay payment gateway, previously known as imoje. After selecting an online payment, the customer is redirected to a secure form containing the methods available for the particular order.

The availability of a particular method may depend on the currency, amount, country, device, browser, customer's bank and the current technical availability of the payment channel.

Online transfers from Slovak banks

For orders in euros, ING Pay may offer online transfers through selected Slovak banks and payment channels.

Payment cards

Card payment is available when the relevant option is displayed in the ING Pay form. The customer's bank or card issuer may require additional transaction authentication.

Electronic wallets

The following methods may be available for payments in EUR:

• Google Pay,
• Apple Pay,
• PayPal.

The display of a particular electronic wallet depends on factors such as the customer's device, browser and payment gateway configuration.

Customers whose bank is not included in the online transfer list can use a card, electronic wallet or traditional bank transfer when the relevant method is available for the order.

Online transfers from Czech banks

For orders in Czech koruna, ING Pay may offer online transfers from selected Czech banks. Payment details are transferred to the online banking service automatically, and the customer reviews and confirms the transaction.

Payment cards and electronic wallets

Card payments and the following methods may be available for payments in CZK:

• Google Pay,
• Apple Pay,
• PayPal.

BLIK

An order in PLN can be paid for using a BLIK code when this method is displayed in the ING Pay form. After entering the code, the customer must confirm the transaction in their banking application.

Pay with ING

Customers of ING Bank Śląski can use the “Płać z ING” payment method when it is available for the particular order.

Online transfers from Polish banks

An online bank transfer sends the transaction details directly to the customer's online banking service. The customer signs in to their bank, reviews the details and confirms the payment.

Payment cards and electronic wallets

Card payments and the following methods may be available for payments in PLN:

• Google Pay,
• Apple Pay,
• Visa Mobile,
• PayPal.

PragmaPay – deferred payments and instalments for businesses

PragmaPay is a purchase financing method intended for business customers. When the method is displayed in the cart, the customer can apply for financing for an order placed in PLN.

Depending on the offer presented by PragmaGO, the customer may be able to choose:

• deferred payment for 14, 30 or 60 days,
• payment in 3, 6, 9 or 12 monthly instalments.

How does a PragmaPay payment work?

1. The customer selects PragmaPay during checkout.
2. The customer provides the required business details and completes the verification process conducted by PragmaGO.
3. PragmaGO decides whether financing can be granted.
4. Following a positive decision, PragmaGO transfers the amount due to the seller.
5. The customer repays the amount directly to PragmaGO under the agreed terms.

The display of PragmaPay does not mean that financing has been automatically granted. The available limit, costs and repayment conditions are presented by PragmaGO before the financing is confirmed.

Melkib does not decide whether financing is granted and does not determine the customer's individual financing terms.

A refund for an order paid for by card, electronic wallet or another ING Pay method is processed in accordance with the payment operator's rules. Funds are returned through the method associated with the original transaction.

The time required for the refunded amount to appear on the customer's account may depend on the payment operator, customer's bank and card issuer.

Refund of an order paid for with PragmaPay

Returning goods to Melkib does not automatically cancel or change the customer's obligation to PragmaGO. The financing is settled in accordance with the PragmaGO procedure.

Until the settlement has been confirmed, the customer should continue to comply with the payment dates and conditions specified by PragmaGO.

The lists of payment methods and banks on this page are provided for information purposes. Availability may change depending on the currency, order value, country, delivery method, device, store configuration and current technical availability of the payment operator.

The binding list of payment methods is always displayed in the cart and in the ING Pay form before the order is confirmed.