Payment Methods & Advisory Fee Policy

1. Educational Pricing & Public Access

The majority of educational monographs, articles, and interactive questionnaires published on Fervanto are accessible free of charge to the public as part of our health literacy mission.

Where individualized research briefings, institutional licensing, or specialized consultation dossiers are commissioned, transparent fees are agreed upon prior to service delivery with zero hidden charges.

2. Accepted Payment Instruments

We support secure electronic payment methods processed via accredited European financial payment gateways:

• Major Credit & Debit Cards: Visa, MasterCard, CB (Cartes Bancaires), American Express.
• European Direct Transfers: SEPA (Single Euro Payments Area) wire transfers.
• Digital Wallets: Apple Pay and Google Pay through encrypted checkout sessions.

3. Cryptographic Security (SSL / TLS & PCI-DSS)

All financial transactions and data transfers are protected with end-to-end 256-bit Transport Layer Security (TLS) encryption. PAK HAY MO does NOT store raw credit card numbers or banking credentials on our web servers. All payment flows are processed directly through Level 1 PCI-DSS certified payment processors.

4. Currency & Invoicing

All transactions are denominated in Euros (€) by default, unless otherwise arranged for international institutions. Formal VAT-compliant electronic invoices detailing the business registration of PAK HAY MO (SIREN: 702 075 912) are issued for all commissioned advisory services.