Terms and Conditions for Online Card Payments

1. General

By placing an order and using your credit or debit card on this website, you agree to these Terms and Conditions. The website reserves the right to amend these terms at any time.

2. Acceptance of Payments

We accept payments via Visa, Mastercard, and [insert other methods, e.g., FPX, E-wallets].

All transactions are processed in MYR.

By submitting an order, you warrant that you are authorized to use the designated card or payment account.

3. Payment Security & Authentication

All online card transactions are protected by encryption technology.

Transactions may be subject to 3D Secure authentication (e.g., OTP sent to your phone).

We do not store your full card details on our servers.

4. Authorization & Declines

The authorization code provided by our payment gateway constitutes final evidence of the transaction.

We reserve the right to refuse or cancel any order if we suspect fraud, illegal activity, or a breach of these terms.

5. Pricing and Currency

The final price of goods/services includes all applicable taxes, unless stated otherwise.

If your card is issued in a different currency, your bank may apply exchange rates or international transaction fees.

6. Refund and Chargeback Policy

Refunds: Approved refunds will be credited back to the original card used for the purchase within 14 business days.

Chargebacks: If you initiate a chargeback with your bank, we reserve the right to dispute it with evidence of the transaction.

Fraudulent chargebacks may result in blacklisting and legal action.

7. Privacy Policy

Your payment information is handled in accordance with our Privacy Policy and relevant data protection laws.

8. Liability

We are not liable for any failure in the payment process caused by your bank or the payment gateway provider.