PAYMENT POLICY
Last Updated: November 27, 2024
1. ACCEPTED PAYMENT METHODS
1.1 Credit & Debit Cards
• Visa
• Mastercard
• American Express
• UnionPay
• JCB
1.2 Digital Payments
• PayPal
• Apple Pay
• Google Pay
• Alipay
• WeChat Pay
2. PAYMENT SECURITY
2.1 Security Measures
• SSL encryption (256-bit)
• 3D Secure authentication
• PCI DSS compliance
• Fraud detection systems
• Secure payment gateway
2.2 Data Protection
• Encrypted transactions
• No card details stored
• Secure payment processors
• Regular security audits
• Privacy protection
3. PAYMENT PROCESS
3.1 Order Placement
• Real-time price calculation
• Currency selection available
• Tax calculation included
• Shipping cost display
• Order review step
3.2 Payment Confirmation
• Instant confirmation email
• Order number provided
• Payment receipt issued
• Transaction record
• Order status tracking
4. CURRENCY & PRICING
4.1 Base Currency
• Hong Kong Dollar (HKD)
• Live exchange rates
• Bank conversion rates apply
• Currency display options
• Price guarantee period
4.2 International Transactions
• Multiple currency support
• Exchange rate information
• Bank fees may apply
• Local currency display
• Dynamic conversion
5. PAYMENT VERIFICATION
5.1 Security Checks
• Address verification
• Card security code (CVV)
• Identity verification
• Amount validation
• Fraud screening
5.2 Authorization
• Real-time authorization
• Bank verification
• Payment confirmation
• Security protocols
• Authentication process
6. PAYMENT ISSUES
6.1 Failed Payments
• Retry options
• Alternative payment methods
• Error notification
• Support contact
• Order hold period
6.2 Payment Disputes
• Investigation process
• Resolution timeline
• Documentation required
• Refund procedure
• Communication protocol
7. INSTALLMENT PLANS
7.1 Credit Card Installments
• 3-month installment
• 6-month installment
• 12-month installment
• Minimum purchase required
• Bank terms apply
7.2 Payment Plans
• Available card types
• Interest rates
• Processing fees
• Early payment options
• Terms and conditions
8. BUSINESS PAYMENTS
8.1 Corporate Orders
• Invoice payment
• Bank transfer
• Credit terms available
• Volume pricing
• Business verification
8.2 Wholesale Orders
• Deposit requirements
• Payment schedule
• Credit application
• Payment terms
• Documentation needed
9. REFUND POLICY
9.1 Refund Methods
• Original payment method
• Processing time
• Bank handling time
• Notification process
• Status updates
9.2 Refund Timeline
• Credit cards: 3-5 business days
• PayPal: 1-2 business days
• Bank transfer: 5-7 business days
• Digital wallets: 1-3 business days
• Store credit: Immediate
10. GIFT CARDS
10.1 Purchase
• Digital gift cards
• Physical gift cards
• Value options
• Activation process
• Delivery methods
10.2 Redemption
• Online redemption
• Balance check
• Expiration policy
• Combination with other payments
• Terms of use
11. SPECIAL PROMOTIONS
11.1 Discount Codes
• Single use codes
• Multiple use codes
• Expiration dates
• Usage restrictions
• Combination rules
11.2 Loyalty Points
• Point calculation
• Redemption value
• Earning rules
• Expiration policy
• Usage guidelines
12. PAYMENT SUPPORT
For payment inquiries:
Elementurist Limited
Room 1804, 18th Floor
Oriental International Tower
1016 Tai Nan West Street
Lai Chi Kok, Hong Kong
Email: [email protected]
Business Hours:
Monday to Friday
9:00 AM – 6:00 PM (GMT+8)