Payment Policy

1. Payment Methods Accepted

• Visa
• Mastercard
• American Express
• UnionPay
• JCB
• Google Pay
• Apple Pay
• PayPal
• Shop Pay
• eftpos

2. Security and Data Protection

2.1. Payment Security

• All transactions are processed through secure SSL encryption
• We maintain PCI DSS compliance for credit card processing
• Advanced fraud detection systems are in place to protect our customers
• 3D Secure authentication is required for credit card transactions where applicable

2.2. Data Protection

• Payment information is encrypted using industry-standard protocols
• We do not store complete credit card numbers
• Customer payment data is handled in accordance with Australian Privacy Principles
• Payment information is only used to complete the requested transaction

3. Currency and Pricing

3.1. Primary Currency

• All prices are listed in Australian Dollars ($) and include the Australian Goods and Services Tax (GST) at the standard rate of 10%.
• Your card issuer will convert the payment to your local currency if applicable

3.2. Currency Conversion

• Exchange rates are determined by your payment provider or card issuer
• Additional foreign transaction fees may apply
• We are not responsible for any conversion fees charged by your bank

4. Payment Processing

4.1. Authorization

• Credit card payments require authorization from your card issuer
• Temporary authorization holds may be placed on your account
• Failed authorizations will result in order cancellation

4.2. Processing Timeline

• Credit card payments: processed immediately
• PayPal transactions: typically completed within minutes
• Order processing begins after payment confirmation
• Payment confirmation email will be sent upon successful transaction

5. Billing Information

5.1. Required Information

• Full name as it appears on payment method
• Billing address
• Contact phone number
• Email address for payment confirmation

5.2. Address Verification

• Billing address must match payment method records
• Orders may be delayed or cancelled if verification fails

6. Refunds and Cancellations

6.1. Refund Policy

• Refunds are processed to original payment method
• Processing times:
  • Credit cards: 5-10 business days
  • PayPal: 3-5 business days
  • Other methods: processing time varies
• Please note that the actual time for the refund to appear in your account may depend on your financial institution's processing times.

6.2. Cancellations

• Orders can be cancelled before shipping
• Cancelled orders will be refunded in full
• Processing fees may not be refundable

7. Payment Issues Resolution

7.1. Failed Payments

• Multiple failed payment attempts may result in account restrictions
• Customer will be notified of payment failures
• Alternative payment methods may be requested

7.2. Dispute Resolution

• Payment disputes should be reported immediately
• Required documentation must be provided for investigation
• Resolution timeline depends on payment method and issue type

8. Special Cases

8.1. Pre-authorization

• Certain transactions may require pre-authorization
• Pre-authorized amounts will be held temporarily
• Final charge will be processed upon order fulfillment

8.2. Payment Restrictions

• Maximum transaction limits may apply
• Multiple transactions may require additional verification
• High-risk transactions subject to additional security measures

9. Error Resolution

• Billing errors should be reported within 60 days
• Investigation will be completed within 90 days
• Temporary credits may be issued during investigation
• Written explanation will be provided for all resolutions

10. Contact Information

For payment-related issues:

• Email: support@zhangxiaoquan.au
• Response time: We will respond to your email within 48 hours on business days. Please note that we do not respond to emails on weekends.

11. Policy Updates

• We reserve the right to modify this policy at any time
• Changes will be posted on this page
• Continued use of our services constitutes acceptance of changes

12. Privacy and Security Commitment

• We adhere to Australian Privacy Principles
• Regular security audits are conducted
• Employee access to payment data is strictly limited
• All payment partners are vetted for security compliance

13. Liability

• We are not liable for third-party payment processor issues
• Customer responsible for ensuring payment information accuracy
• Fraudulent transactions will be reported to authorities