Payment Method Policy

1. Accepted Payment Methods

1.1 Credit/Debit Cards

• Visa
• Mastercard
• UnionPay
• American Express (for international orders only)
   

  Note: Your card must support international online payment if you are making a purchase outside of Hong Kong, and the cardholder name must match the shipping address contact name for order verification.

1.2 Digital Wallets

• PayPal (for global orders, supporting multi-currency payment)
• Alipay HK
• WeChat Pay HK
   

  Note: PayPal payments require a verified PayPal account, and the account registered email must be consistent with your order contact email.

1.3 Bank Transfers

• Hong Kong Interbank GIRO (HKG)
• Telegraphic Transfer (TT) for large-value international orders (minimum order amount applies)
   

  Note: For bank transfer payments, you must send the payment confirmation slip (including order number, transaction amount, and transfer date) to our customer service email within 24 hours of placing the order; otherwise, your order may be automatically cancelled due to non-payment.

2. Transaction Currency

1. The official settlement currency for all orders on our Website is Hong Kong Dollar (HKD). All product prices, shipping fees, and other charges displayed on the Website are quoted in HKD.
2. For international customers using non-HKD payment methods (e.g., Visa/Mastercard in foreign currency, PayPal), the actual amount deducted from your account will be converted by your payment provider (bank/card issuer/PayPal) at the real-time exchange rate on the transaction date, plus any applicable currency conversion fees charged by your provider. We do not levy any additional currency conversion fees, and all such fees are borne by the customer.
3. For bank transfer payments, the remittance must be made in HKD; any foreign exchange losses, intermediary bank fees, or receiving bank fees incurred during the transfer are the responsibility of the customer.

3. Payment Processing Rules

3.1 Real-Time Payment Confirmation

• For credit/debit card, digital wallet (PayPal/Alipay HK/WeChat Pay HK) payments: Your payment will be verified and confirmed in real time. Once the payment is successful, your order will be automatically marked as “Paid” and enter the processing stage (order confirmation, packaging, shipping).
• For bank transfer payments: Our finance team will verify the received funds within 1-2 business days (excluding weekends and Hong Kong public holidays) after receiving your payment confirmation slip. Once verified, your order will be updated to “Paid” and processed accordingly.

3.2 Order Validity and Payment Time Limit

• After placing an order on the Website, you must complete the payment within 24 hours of the order creation time. If payment is not received within this period, we reserve the right to automatically cancel the order without prior notice, and the product inventory will be released back to our stock.
• For large-value orders (negotiated separately) with a customized payment time limit, the specific payment deadline will be confirmed via email by our customer service team, and the order will be cancelled if the payment is not completed by the agreed date.

3.3 Payment Rejection and Failed Transactions

1. Insufficient funds in your payment account/card.
2. Your card/account is restricted from online/international transactions by the issuing bank/provider.
3. Incorrect payment information (e.g., wrong card CVV code, expired card, incorrect PayPal account details).
4. The payment is flagged as a suspicious transaction by our payment provider’s anti-fraud system.
5. Mismatch between the payment account/cardholder information and the order contact/shipping information.

3.4 Duplicate Payment Refund

4. Payment Security

1. End-to-End Encryption: All payment information (card details, account information, transaction data) transmitted between your device and our Website is encrypted using SSL/TLS 1.3 encryption technology, ensuring that the data cannot be intercepted, tampered with, or stolen during transmission.
2. Third-Party Payment Processing: We do not store any of your sensitive payment information (e.g., credit card CVV code, bank account password) on our Website or servers. All payment processing is delegated to our trusted, licensed third-party payment service providers (with PCI DSS certification), who are responsible for the secure storage and processing of payment data.
3. Anti-Fraud System: Our payment system is integrated with a professional anti-fraud detection system that monitors all transactions in real time to identify and block suspicious payment activities (e.g., unusual transaction amounts, abnormal IP addresses, repeated failed payments), protecting both your and our financial security.
4. Strict Internal Access Control: Only our authorized finance team members have limited access to transaction records (excluding sensitive payment details), and all access is logged and audited to prevent unauthorized access to payment data.

5. Payment and Order Disputes

5.1 Dispute Initiation

• Your full name and order number
• Detailed description of the payment dispute (e.g., transaction date, amount, issue type)
• Relevant payment proof (e.g., bank/card statement, payment confirmation slip, transaction screenshot)

5.2 Dispute Resolution Process

1. Our customer service team will acknowledge your dispute request within 24 hours and forward it to our finance team for investigation.
2. The finance team will conduct a thorough investigation with our payment service provider and bank within 3-5 business days and provide a detailed investigation result and resolution plan via email.
3. If the dispute is confirmed to be caused by our system error or payment processing mistake, we will process the corresponding refund, adjustment, or reprocessing of the payment within 1 business day of the investigation result.
4. If the dispute is caused by your payment provider (e.g., bank processing delay, incorrect currency conversion) or your own operation error, we will provide you with the relevant transaction evidence and guide you to contact your payment provider to resolve the dispute.

5.3 Chargeback Rules

6. Tax and Duties

1. All product prices displayed on our Website are exclusive of any applicable customs duties, import taxes, VAT, or other local taxes for international shipments. Such taxes and duties are the sole responsibility of the customer and will be collected by the shipping carrier or local customs authority upon delivery of the package.
2. For Hong Kong domestic shipments, all prices are inclusive of Hong Kong local taxes (where applicable) in accordance with Hong Kong tax laws.
3. We do not provide tax-free services or bear any international tax/duty costs, and the customer is responsible for complying with the tax regulations of the destination country/region and paying all applicable taxes and duties.

7. Changes to Payment Methods and Policy

1. We reserve the right to add, remove, or modify the accepted payment methods at any time at our sole discretion, and will post the updated payment methods on the Website’s Payment Page and this Policy page with immediate effect. We will not be liable for any payment failures caused by the removal of a payment method if you are notified of the change via a prominent notice on the Website.
2. We may update or modify this Payment Method Policy from time to time to reflect changes in payment processing rules, regulatory requirements, or business needs. Any changes will be posted on this page with an updated Last Updated date at the top of the Policy. Your continued use of our Website and completion of online payments after the effective date of the revised Policy constitutes your acceptance of the changes.
3. For material changes to this Policy (e.g., major changes to payment security measures, transaction currency, or dispute resolution rules), we will notify you via a prominent banner on the Website’s homepage and a reminder email to our registered customers at least 7 days before the changes take effect.