Payments
1. COMPANY INFORMATION
Company Name: SAMAY TRADING CO.LIMITED
- Website:https://samay-online.com/
- Business Email:sale@saamay.com
- Registered Address: FLAT/RM 502 NEW CITY CENTRE 2 LEI YUE MUN ROAD KWUN TONG KL-Hong Kong-China
- Operational Address: A1715, Futian Ginza, Futian Street, Yiwu City, Jinhua City, Zhejiang Province, China
2. ACCEPTED PAYMENT METHODS
We accept the following secure payment methods:
Table
| Payment Method | Status | Currency |
|---|---|---|
| Visa | ✅ Accepted | USD |
| Mastercard | ✅ Accepted | USD |
| Other card types | As displayed at checkout | USD |
All transactions are processed in USD (United States Dollar) unless otherwise specified at checkout.
3. PAYMENT SECURITY
3.1 Secure Processing
- All payments are processed through PCI-DSS compliant third-party payment gateways
- We do not store your full credit card details on our servers
- Transactions are encrypted using SSL/TLS 256-bit encryption
3.2 3D Secure (3DS) Authentication
- ✅ Full 3D Secure (3DS) is enabled for all card transactions
- You may be required to complete an additional verification step with your bank (OTP, password, or biometric confirmation)
- 3DS helps protect against unauthorized use of your card
3.3 Fraud Prevention We employ the following fraud monitoring measures:
- Address Verification System (AVS) checks
- Card Verification Value (CVV) validation
- IP geolocation and velocity checks
- Transaction amount monitoring
- Suspicious activity flagging
4. PAYMENT PROCESS
Table
| Step | Description |
|---|---|
| 1. Checkout | Review your cart and proceed to checkout |
| 2. Billing Information | Enter your billing address (must match card address) |
| 3. Payment Details | Enter card number, expiry date, and CVV |
| 4. 3DS Verification | Complete bank authentication if prompted |
| 5. Confirmation | Receive order confirmation email upon successful payment |
5. PAYMENT TERMS
5.1 Authorization By providing your payment information, you authorize us to charge your card for:
- The total order amount (products + shipping + applicable taxes/duties)
- Any additional fees disclosed at checkout
5.2 Payment Timing
- Payment is charged immediately upon order placement
- Orders are processed only after successful payment authorization
5.3 Failed or Declined Payments If your payment is declined:
- Verify your card details and billing address
- Ensure sufficient funds/credit limit
- Contact your bank if the issue persists
- You may retry payment or use an alternative method
6. REFUNDS AND CHARGEBACKS
6.1 Refunds
- Refunds are issued to the original payment method used for the purchase
- Processing time: 14 business days after we receive and approve the return
- Refund amounts exclude original shipping costs (unless return is due to our error)
6.2 Chargebacks We take chargebacks seriously. If you have an issue with your order:
- Contact us first at sale@saamay.com before initiating a chargeback
- We will work to resolve your concern promptly
- Unnecessary chargebacks may result in account restrictions
7. CURRENCY AND CONVERSION
- All prices and transactions are in USD
- Your bank or card issuer may apply currency conversion fees
- Exchange rates are determined by your bank, not by SAMAY TRADING CO.LIMITED
8. TAXES AND DUTIES
- Product prices do not include import duties, taxes, or customs fees
- These charges are the responsibility of the customer
- They are collected by your country’s customs authority upon delivery
9. PAYMENT DISPUTES
If you believe there is an error with your payment:
- Review your order confirmation email
- Check your bank/card statement
- Contact us at sale@saamay.com with your order number
- We will investigate and respond within 5 business days
10. CONTACT US
For payment-related inquiries:
SAMAY TRADING CO.LIMITED
- Email:sale@saamay.com
- Website:https://samay-online.com/
- Registered Address: FLAT/RM 502 NEW CITY CENTRE 2 LEI YUE MUN ROAD KWUN TONG KL-Hong Kong-China