Payment & Refund Policy

1. Accepted Payment Methods

• Visa (credit and debit)
• Mastercard (credit and debit)
• Moroccan bank cards (CMI network)
• Bank transfer (for bookings over €300)
• Cash (MAD or EUR, on arrival)
• WhatsApp / phone reservations with manual payment

2. Payment Security

Online payments are processed by CMI (Centre Monétique Interbancaire):

• 256-bit SSL/TLS encryption on all transactions
• 3D Secure (Verified by Visa / Mastercard SecureCode)
• PCI-DSS compliant payment processing
• HB Luxury Travel never stores your full card number or CVV

3. Billing Currency

• Tour prices are displayed in Euros (€)
• Online card payments are processed in MAD (Moroccan Dirham) via CMI
• Currency conversion is applied at the rate of the day
• Your bank may apply additional foreign currency fees

4. Refund Process

Refunds are issued based on our Cancellation Policy.

Payment Method	Refund Method	Processing Time
Credit/Debit Card (CMI)	Reversed to original card	5–10 business days
Bank Transfer	Bank transfer	3–5 business days
Cash	Cash or bank transfer	Same day or next business day

Refunds are processed in MAD. If you paid in EUR, the refunded amount may differ slightly due to exchange rate fluctuations.

5. Disputed Transactions / Chargebacks

If you believe an unauthorized transaction was made:

• Contact us immediately at contact@hb-luxurytravel.ma
• Provide your booking reference, transaction date, and amount
• We will investigate and respond within 48 hours

6. Payment Issues

If your payment fails or you encounter issues:

• Check that your card allows international/online transactions
• Ensure your billing details match your bank records
• Contact your bank to authorize the transaction
• Or reach us via WhatsApp for alternative payment arrangements