Payment Policy

1. Accepted payment methods

We do not accept cash. Payments are accepted only from an account held in the name of the contracting customer; third-party payments may be returned.

• SEPA bank transfer in EUR and domestic transfer in PLN
• SWIFT international bank transfer
• Card payment through a secure external payment gateway, where offered for the service

2. Currencies

We invoice in EUR, USD or PLN. The invoice currency is fixed at the time the quotation is issued. Any currency conversion, correspondent bank or card issuer charge is borne by the payer.

3. When payment is charged

Card payments are captured at the moment the payment is authorised. Bank transfers are treated as made on the date the funds are credited to our account.

• New customers: payment in advance against a proforma invoice, before the booking is executed
• Approved account customers: payment within the credit term stated on the invoice, normally 14 or 30 days from the invoice date
• Chartering and larger project movements: staged payments as set out in the service agreement
• Third-party disbursements (duties, taxes, storage, demurrage): invoiced at cost as they arise

4. VAT and taxes

We are registered for VAT in Poland under NIP 8993065344. VAT is applied according to Polish VAT law and the EU VAT Directive:

• Polish customers: Polish VAT at the applicable statutory rate
• EU business customers with a valid EU VAT number: reverse charge, VAT accounted for by the customer
• Customers outside the EU: normally outside the scope of Polish VAT
• International transport services: zero-rated where the statutory conditions and evidence requirements are met

5. Late payment

Overdue invoices accrue statutory interest for late payment in commercial transactions under Polish law. We may suspend services or withhold release of cargo or documents while an invoice remains unpaid.

6. Payment security and fraud prevention

This website is served entirely over HTTPS/TLS. Card payments are processed by an external, PCI DSS compliant payment gateway. We never see or store full card numbers.

Our bank details never change by email. If you receive a message asking you to pay to a different account, do not pay it — call us on +48 797 043 351 and verify first. Official payment instructions are issued only on our invoices and from our www.lamerza-poland.com email addresses.

7. Compliance

All payments are subject to our AML, KYC and Sanctions Policy. We may hold, return or decline a payment where compliance checks are not satisfied.