This Payment Policy explains the terms and conditions that apply when you make a purchase from HONG KONG HAOJING TRADING LIMITED (“we,” “us,” or “our”) through our website. It applies to all customers, including individual retail buyers and business or wholesale partners, regardless of their location. Please read this policy carefully before completing any transaction. By placing an order, you agree to the payment terms described below. If you have any questions, contact us at contact@dxbbflyer.com.
1. Accepted Payment Methods
We support multiple secure payment methods to accommodate customers worldwide. The available options may vary depending on your shipping destination and order type. Currently, we accept the following:
- Major Credit and Debit Cards: Visa, Mastercard, American Express, and selected regional card networks. Card payments are processed through encrypted payment gateways.
- PayPal: You can pay using your PayPal balance or a linked bank account or card. PayPal offers additional buyer protection for eligible purchases.
- Bank Transfer / Wire Transfer: This option is primarily available for wholesale and bulk orders. Orders paid by bank transfer are processed after funds have cleared in our designated bank account. Bank details will be provided on the invoice or after order confirmation.
- Other Local Payment Methods: Depending on your country, we may also offer alternative payment options such as Apple Pay, Google Pay, or local e-wallets. These options will appear at checkout if available for your region.
We reserve the right to add or remove payment methods at any time without prior notice. If a payment method you previously used is no longer available, we will notify you during the checkout process.
2. Currency and Pricing
All product prices are displayed in US Dollars (USD) by default. Depending on your location, you may be able to switch the display currency to Hong Kong Dollars (HKD) or other currencies using the currency selector on our website. However, the final transaction amount will be charged in the currency shown at checkout, which is typically USD or HKD.
Prices may change without prior notice, but the price applicable to your order is the one displayed at the time you confirm payment. If a product is listed at an incorrect price due to a typographical error or technical glitch, we reserve the right to cancel the order and issue a full refund, even after payment has been processed.
For international customers, your bank or card issuer may apply a foreign transaction fee or currency conversion fee. These fees are determined by your financial institution and are not controlled by us. We recommend checking with your bank before placing an order if you are unsure about additional charges.
3. Payment Security
We take the security of your payment information very seriously. Our website uses Secure Socket Layer (SSL) encryption to protect data transmitted between your browser and our server. All payment transactions are processed by third-party payment processors that are compliant with the Payment Card Industry Data Security Standard (PCI-DSS).
We do not store your full credit card number, CVV, or other sensitive card details on our own servers. When you save a card for future purchases, only a tokenized reference is retained by our payment processor, never the actual card data. This ensures that your payment information remains protected even in the unlikely event of a data breach.
If you receive any suspicious communication claiming to be from us and requesting payment information, do not respond. Contact our support team immediately at contact@dxbbflyer.com to verify the legitimacy of the request.
4. Order Confirmation and Payment Processing
After you complete the checkout process, you will receive an order confirmation email to the address you provided. This email serves as an acknowledgment that we have received your order and payment intent. However, a binding contract is formed only when your payment has been successfully authorized and captured.
For orders paid by credit card or PayPal, payment is typically authorized immediately. The actual charge may be processed at the time of shipment or shortly after order placement, depending on the payment processor’s policies. For bank transfer orders, the order will remain on hold until the full payment amount has been credited to our account. If payment is not received within 5 business days for retail orders or within the agreed timeframe for wholesale orders, we may cancel the order without further notice.
If your payment is declined, you will see an error message during checkout. Common reasons for declined payments include insufficient funds, incorrect card details, bank restrictions on international transactions, or mismatched billing address. You may retry with a different payment method or contact your bank for assistance.
5. Additional Verification for Large or High-Risk Orders
To prevent fraud and protect both our customers and our business, we may require additional verification for certain orders. This is more likely to occur when:
- The order total exceeds a specified amount (e.g., USD 500 or equivalent).
- The billing and shipping addresses are different and the order is being sent to a high-risk destination.
- The payment is flagged by our fraud detection system due to unusual patterns or mismatched information.
- The order is a first-time purchase from a new customer with no prior history.
- The order is a wholesale or bulk order that requires manual review.
In such cases, we may ask you to provide a copy of a government-issued ID, proof of address, or a screenshot of the transaction from your bank. This information will be used solely for verification purposes and will be handled in accordance with our Privacy Policy. If you do not wish to provide the requested documents, you may cancel the order and receive a full refund of any amount already paid.
6. Payment for Wholesale and Bulk Orders
We offer special payment terms for approved wholesale and bulk customers. These terms may differ from the standard retail checkout process and are typically agreed upon in advance with our wholesale team.
- Proforma Invoice: For large orders, we will issue a proforma invoice that includes the itemized list, quantities, unit prices, total amount, and payment instructions. Payment is usually required before production or dispatch, unless net terms have been pre-approved.
- Deposit and Balance: For very large or custom orders, we may require a deposit (e.g., 30% to 50% of the total) before production begins, with the remaining balance due before shipment. The specific deposit percentage will be stated in the quotation or proforma invoice.
- Net Payment Terms: Established wholesale partners with a proven order history may be eligible for net payment terms such as Net 15 or Net 30. These terms are granted at our sole discretion after a credit review and must be requested in advance.
- Bank Transfer Details: For wholesale payments, we will provide our bank account information, including SWIFT code and account number, on the invoice. Please ensure that all bank transfer fees are paid by the sender unless otherwise agreed.
- Bulk Discounts: Discounts for bulk orders are calculated based on the total quantity and product mix. The final discounted price will be reflected on the proforma invoice and cannot be combined with other promotional offers unless explicitly stated.
All wholesale orders are subject to the same fraud prevention and verification measures as retail orders. We reserve the right to refuse or cancel any wholesale order if the payment information cannot be verified or if the order appears to be associated with prohibited activities.
7. Taxes, Duties, and Customs Fees
The prices displayed on our website do not include any applicable sales tax, value-added tax (VAT), goods and services tax (GST), import duties, or customs fees. These charges are the responsibility of the customer and may be levied by your local government when the package arrives in your country.
For retail orders, customs fees are typically collected by the shipping carrier before or upon delivery. We do not have control over these charges and cannot predict their amount. If you refuse to pay customs duties and the package is returned to us, we will deduct the return shipping cost and any applicable restocking fees from your refund.
For wholesale orders, the terms may be negotiated separately. In some cases, we may ship on a Delivery Duty Paid (DDP) basis, where we include all taxes and duties in the total price. This must be agreed upon in writing before the order is placed.
If your shipping destination is in a country or region that we do not serve due to legal restrictions, your payment will not be processed. We currently do not ship to the following destinations: Burundi, Cuba, North Korea, Sudan, Afghanistan, Belarus, Libya, Myanmar, South Sudan, Iraq, Somalia, Syria, Ukraine, Venezuela, Yemen, Iran, and Russia. If an order is attempted from one of these locations, it will be canceled and any payment received will be refunded in full.
8. Refunds and Payment Reversals
Refunds are processed according to our Return Policy. Once a return is approved and the item is received and inspected, we will initiate a refund to the original payment method. The time it takes for the refund to appear in your account depends on your payment provider:
- Credit/Debit Cards: Usually 5-10 business days after we process the refund, but may take up to one full billing cycle depending on your bank.
- PayPal: Typically 1-3 business days after the refund is initiated.
- Bank Transfer: 3-7 business days after our bank sends the reversal, depending on intermediary banks.
If a payment was made via a method that does not support automatic refunds (e.g., some local e-wallets or bank transfers to certain regions), we may request an alternative refund method, such as PayPal or a bank transfer to a different account. In all cases, we will communicate with you before processing the refund.
We do not issue cash refunds or store credit unless the original payment method is no longer available. If your order was paid using multiple payment methods (e.g., partial gift card and credit card), the refund will be applied to each method proportionally.
9. Chargebacks and Disputes
If you have an issue with your order, we strongly encourage you to contact our support team at contact@dxbbflyer.com before filing a chargeback or payment dispute with your bank or payment provider. Most problems can be resolved quickly and amicably through direct communication.
A chargeback is a reversal of a credit card transaction initiated by the cardholder through their bank. Unjustified chargebacks cause significant administrative burden and may result in additional fees. We reserve the right to defend against chargebacks by providing evidence of the transaction, delivery confirmation, and correspondence with the customer.
If a chargeback is filed and decided in our favor, we may refuse future orders from the same customer and terminate any wholesale agreements. If a chargeback is filed after a refund has already been issued, we will provide proof of the refund to the bank and seek recovery of any duplicate credit.
In cases of suspected fraud, we may report the incident to the relevant authorities and share information with payment networks to prevent further abuse. All customer data will be handled in accordance with our Privacy Policy and applicable data protection laws.
10. Currency Conversion and Exchange Rates
If you choose to view prices in a currency other than USD or HKD, the conversion is based on exchange rates provided by a third-party service and is updated regularly. The rate displayed at checkout is an estimate; the final amount charged by your bank or payment processor may differ slightly due to exchange rate fluctuations and processing fees.
We are not responsible for any losses caused by changes in exchange rates between the time you view a price and the time your payment is processed. If your card is denominated in a currency different from the transaction currency, your bank will apply its own conversion rate, which may include a markup.
11. Invoices and Receipts
An electronic invoice or receipt will be sent to the email address provided at checkout immediately after your payment is confirmed. For wholesale orders, a formal invoice will be attached to the order confirmation email and can also be downloaded from your account dashboard if you have a registered business account.
If you need a customized invoice for tax or accounting purposes, such as one that includes your company’s tax identification number or a specific billing address, please contact us at contact@dxbbflyer.com before placing the order. We will do our best to accommodate reasonable requests.
12. Payment Policy Changes
We may update this Payment Policy from time to time to reflect changes in our payment processes, legal requirements, or business operations. The most recent version will always be available on our website, and the effective date will be indicated at the top of the page. If you have an active order, the terms applicable at the time of your purchase will govern that transaction. For future orders, please review the policy before completing payment.
13. Contact Information
If you have any questions or concerns regarding this Payment Policy, payment security, or a specific transaction, please contact us using the details below:
HONG KONG HAOJING TRADING LIMITED
Address: RM 5003, 5/F, YAU LEE CENTRE,45 HOI YUEN ROAD, KWUN TONG,HONG KONG
Email: contact@dxbbflyer.com
Hong Kong SAR
Our support team is available Monday through Friday, excluding Hong Kong public holidays, and aims to respond to all inquiries within 2 business days.
By completing a transaction on our website, you confirm that you have read, understood, and agreed to the terms of this Payment Policy.