Payment Policy

OVERVIEW

This Payment Policy outlines the payment methods, billing rules, authorization, and security terms for purchases made on our website. By placing an order with us, you agree to the terms outlined below.

Accepted Payment Methods

We support the following secure payment options:

Credit & Debit Cards: Visa, Mastercard, American Express, Discover, JCB, Diners Club
Digital Wallets & Accelerated Checkout: Apple Pay, Google Pay, Shop Pay, PayPal
Other local or region-specific payment methods displayed during checkout

We do not accept cash, personal checks, money orders, or direct bank wire transfers unless explicitly authorized through a separate written agreement.

Payment Authorization & Charging

When you submit an order, your payment method will be immediately authorized to confirm the availability of funds. An authorization is not a final charge; it is a temporary hold placed by your card issuer.

We will capture the full payment once your order is confirmed and prepared for shipment.
If payment authorization fails, your order cannot be processed. You will receive an automated notification to update your payment information or choose another payment method.
Temporary Holds: Your bank may show a pending authorization charge on your account statement. If an order is canceled or not completed, this hold usually expires and releases within 3–7 business days, depending on your bank's policies.

Why Was My Payment Declined?

If your payment was not successful, please verify the following:

The billing name, card number, expiration date, and CVV code were entered correctly.
The billing address entered matches the exact address registered with your card issuer.
Your card is activated for international and online cross-border transactions.
Your card completed the 3D Secure (3DS) authentication prompt if required by your bank.

Billing Information

You must provide accurate and verifiable billing details matching your payment provider's records. Mismatched billing addresses or unverified payment information may result in order delay, payment rejection, or cancellation for fraud prevention purposes.

We reserve the right to pause or cancel any order if billing details cannot be verified.

Currency, Taxes & Customs Duties

All product prices shown on our site are displayed and billed in the currency selected at checkout.

Shipping Fees & Taxes: Applicable shipping costs and local taxes (if any) will be calculated and displayed during checkout before final payment.
Customs & Import Duties: For international orders, import duties, customs taxes, and administrative clearance fees are NOT included in the item price or shipping cost. These fees are established by your local customs authorities and are the sole responsibility of the customer.
Foreign Currency Conversion Fees: If your payment account is denominated in a currency other than the checkout currency, your card issuer or bank may apply currency conversion fees or foreign transaction surcharges. These charges are outside our control.

Fraud Prevention & Order Security

To protect both our customers and our business from unauthorized transactions, we utilize automated and manual fraud screening tools.

We reserve the right to request additional identity or billing verification documents before approving or dispatching an order.
Orders identified with high fraudulent risk or unverified details may be canceled immediately without prior notice.

Order Modifications, Cancellations & Refunds

If you wish to modify or cancel your order, please email us at hello@chunmushop.com as soon as possible. Once an order has entered our fulfillment and shipping pipeline, it cannot be modified or canceled.

All approved refunds will be credited back to the original payment method used at checkout.
Processing Times: Refund processing times depend on your financial institution and typically take 5–14 business days to appear on your statement. We cannot issue refunds to alternate cards, accounts, or payment methods.
For full details on returns and eligibility, please review our Return & Refund Policy.

Payment Security

We take customer data security seriously. All transaction data transmitted across our site is encrypted using Secure Sockets Layer (SSL) technology. We do not store your full credit card credentials on our servers; all payments are processed securely by PCI-DSS compliant third-party payment gateways.

Changes to This Policy

We may update this Payment Policy periodically to reflect changes in our payment systems or regulatory requirements. Revised policy versions will be published on this page and become effective immediately upon posting.