# Payment Help **Last Updated: April 25, 2026** We offer a variety of secure and convenient payment methods to make your shopping experience as smooth as possible. Choose the option that works best for you. --- ## 1. Accepted Payment Methods ### Credit / Debit Cards We accept all major credit and debit cards: - **Visa** - **Mastercard** - **American Express** - **Discover** (US only) - **UnionPay** - **JCB** All card transactions are processed through Airwallex, a PCI-DSS compliant payment service provider licensed in multiple jurisdictions worldwide. We **never** store your full card details on our servers. Your card data is handled directly by Airwallex. ### PayPal Pay securely using your PayPal account. Benefits include: - **Fast Checkout:** No need to re-enter card or shipping details — just log in to PayPal and confirm. - **Buyer Protection:** PayPal's Purchase Protection policy covers eligible purchases. - **Pay Later:** In select countries, PayPal offers the option to split purchases into interest-free installments. Select PayPal at checkout and you will be redirected to PayPal's secure website to complete payment. | PayPal Pay Later Availability | |---| | United States | | United Kingdom | | France | | Germany | | Australia | | Italy | | Spain | ### Klarna Klarna gives you flexible payment options to manage your budget: - **Pay in 3/4:** Split your purchase into **3 or 4 interest-free installments** paid over time. No extra cost to you. - **Pay in 30 Days:** Receive your items first, then pay within 30 days. - **Financing:** For larger purchases, spread the cost over **6 to 36 months** (subject to credit approval; interest may apply). Klarna availability varies by country: | Country | Pay in 3/4 | Pay in 30 Days | Financing | |---------|-----------|----------------|-----------| | United States | ✓ | ✓ | ✓ (6–24 months) | | United Kingdom | ✓ | ✓ | — | | Germany | — | ✓ | ✓ (6–24 months) | | Austria | — | ✓ | ✓ (6–24 months) | | Sweden | — | ✓ | ✓ (6–36 months) | | Netherlands | ✓ | ✓ | — | | France | ✓ | ✓ | — | | Spain | ✓ | ✓ | — | | Italy | ✓ | ✓ | — | > Klarna's terms and conditions apply. Credit approval is determined by Klarna at its discretion. For details, visit [klarna.com](https://www.klarna.com). ### Apple Pay & Google Pay For a fast, seamless checkout experience, we support: - **Apple Pay** — Available on Safari (Mac, iPhone, iPad) - **Google Pay** — Available on Chrome and supported Android devices Simply tap or authenticate with Face ID, Touch ID, or your device passcode to pay instantly. These payment methods are enabled through Shopify's checkout system. ### Local Payment Methods We also support select local payment methods in specific markets: | Payment Method | Supported Countries | |----------------|---------------------| | iDEAL | Netherlands | | Bancontact | Belgium | | EPS | Austria | | Przelewy24 (P24) | Poland | | BLIK | Poland | | Multibanco | Portugal | > Local payment method availability depends on your shipping region and is subject to change. --- ## 2. Currency - **US Store:** All prices are displayed and charged in **US Dollars (USD)**. - **EU Store:** All prices are displayed and charged in **Euros (EUR)** (where applicable). Prices shown to EU customers include VAT. - If you pay with an international card, your bank may charge a **foreign currency conversion fee**. Please contact your bank or card issuer for details. We are not responsible for any additional fees charged by your bank or card issuer. --- ## 3. Payment Security Your payment security is our top priority: - All transactions are encrypted using **SSL/TLS** technology. - We are **PCI-DSS** compliant, meeting the highest industry standards for payment data security. - We do **not** store your full credit card number, CVV, or PIN on our servers. - For enhanced security, your card issuer may require **3D Secure** verification (Visa Secure, Mastercard Identity Check, or Amex SafeKey), in compliance with the EU Payment Services Directive 2 (PSD2) Strong Customer Authentication (SCA) requirements. --- ## 4. Payment Data & Privacy (GDPR) When you make a purchase, certain personal data is processed to complete the transaction. Here is how your payment data is handled: ### What Data Is Processed - **By Us:** Name, billing address, email, order details, and transaction reference numbers. We process this data to fulfill your order, manage your account, and comply with tax/accounting obligations. - **By Our Payment Processors:** Your full payment details (card numbers, bank account information, etc.) are handled directly by our third-party payment service providers. We do not have access to your full card information. ### Legal Basis for Processing (GDPR Article 6) | Purpose | Legal Basis | |---------|-------------| | Processing your order payment | Performance of a contract — Art. 6(1)(b) | | Tax and accounting record-keeping | Legal obligation — Art. 6(1)(c) | | Fraud prevention and detection | Legitimate interests — Art. 6(1)(f) | ### Third-Party Payment Processors Your payment data is processed by the following third-party payment processors, each acting as an independent data controller or data processor (as applicable): - **Airwallex** — Card transactions and local payment methods - **PayPal (Europe) S.à r.l. et Cie / PayPal, Inc.** — PayPal transactions - **Klarna Bank AB** — Klarna transactions (processed via Airwallex) Each provider maintains its own privacy policy governing how your personal data is processed. We have entered into Data Processing Agreements (DPAs) with our processors in accordance with GDPR Article 28. For international data transfers (e.g., to the United States), appropriate safeguards such as Standard Contractual Clauses (SCCs) or reliance on adequacy decisions are in place. ### Data Retention Transaction records are retained for the period required by applicable tax and accounting laws (typically 6–10 years, depending on the jurisdiction). After this period, data is securely deleted or anonymized. ### Your Rights Under the GDPR (and the equivalent UK GDPR), you have the right to: - **Access** your personal data - **Rectify** inaccurate data - **Erase** your data (subject to legal retention obligations) - **Restrict** processing in certain circumstances - **Data portability** — receive your data in a structured, machine-readable format - **Object** to processing based on legitimate interests - **Lodge a complaint** with your local data protection supervisory authority To exercise these rights, please contact us using the contact details in our Privacy Policy. We will respond within **30 days** as required by law. For full details on how we handle all personal data, please refer to our **Privacy Policy**. --- ## 5. Frequently Asked Questions ### 1. Are there any additional fees when I make a purchase? The price you see at checkout is the amount you pay, plus applicable taxes and shipping charges. However: - If you pay with an international card, your bank may charge a **foreign currency conversion fee**. - For orders shipped internationally, **customs duties and import taxes** may be due upon arrival and are the buyer's responsibility. See our [Shipping Policy](shipping-policy.md) for details. ### 2. My payment was declined. What should I do? If your payment is declined, please try the following: - Verify that your card details (card number, expiration date, CVV) and billing address are correct. - Make sure your card has sufficient balance or available credit. - Contact your bank or card issuer to check for security holds or transaction restrictions (3D Secure verification may be required). - Try a different payment method (e.g., switch from credit card to PayPal). If the issue persists, please contact our support team for assistance. ### 3. Can I change my payment method after placing an order? Unfortunately, the payment method cannot be changed once an order has been placed. If you need to use a different payment method, please cancel the order (if it has not yet shipped) and place a new one. ### 4. How long do refunds take to process? Refunds are returned to the **original payment method** used at the time of purchase. Processing times vary: - **Credit/Debit Cards (via Airwallex):** 5–14 business days - **PayPal:** 3–5 business days - **Klarna:** Depends on the payment plan; Klarna will adjust your balance accordingly. - **Local Payment Methods:** Processing times vary by method and region. For EU/EEA and UK customers exercising their Right of Withdrawal, refunds are issued within **14 days**. For more details, see our [Refund Policy](refund-policy.md). ### 5. Is my personal payment information safe? Yes. We use industry-standard encryption (SSL/TLS) and comply with PCI-DSS standards. Your full card information is processed solely by our certified payment processors and is never stored on our servers. We do not share or sell your personal payment information to third parties for marketing purposes. ### 6. Can I use multiple payment methods on a single order? Currently, only **one payment method** can be used per order. However, you may combine a **gift card** or **store credit** with another payment method (the gift card/store credit is applied first, and the remaining balance is charged to your chosen payment method). ### 7. Do you offer gift cards? Yes! Gift cards are available for purchase on our website and can be redeemed at checkout. Any gift card balance exceeding the order total remains on the card for future purchases. ### 8. Will using Klarna or PayPal "Pay Later" affect my credit score? Klarna and PayPal may perform a soft credit check when you apply for an installment plan, which typically does not affect your credit score. However, missed or late payments may be reported and could impact your credit rating. Please review the terms of your chosen payment provider for details. --- ## 6. Payment Disputes & Chargebacks ### What Is a Chargeback? A chargeback is a transaction dispute initiated by the cardholder through their bank or credit card issuer, requesting a reversal of the charge. Chargebacks are intended as a consumer protection mechanism for fraud, unauthorized transactions, or legitimate disputes that cannot be resolved directly with the merchant. ### Our Position on Chargebacks We maintain comprehensive records for every transaction, including order confirmations, shipping tracking, delivery confirmations, pre-shipment product documentation (photos, weight records, packing verification), and all customer communications. In the event of a chargeback, we will submit this evidence to the payment processor to contest the dispute where appropriate. ### Before Filing a Chargeback We strongly encourage you to **contact us first** before initiating a chargeback with your bank. In most cases, your issue can be resolved more quickly and favorably through our customer service process. Common issues that can be resolved directly: - **Unrecognized Charge:** Our store name may appear differently on your bank statement. Contact us with the charge amount and date, and we can help identify the transaction. - **Product Issues:** Please contact our support team to initiate a return, exchange, or warranty claim through the proper channels. See our [Refund Policy](refund-policy.md) and [Warranty Policy](warranty-policy.md). - **Delivery Issues:** If your order has not been received, check our [Shipping Policy](shipping-policy.md) and contact support with your tracking information. ### Consequences of Unresolved or Fraudulent Chargebacks - If a chargeback is filed on an order that has been delivered, verified, and where the product or service was provided as described, we will contest it with full supporting evidence. - If the chargeback is resolved in our favor by the payment processor (i.e., the dispute is found to be invalid), your bank will reinstate the charge. - Accounts associated with confirmed fraudulent chargebacks (such as filing a chargeback while retaining the product, or filing a chargeback after a refund has already been issued) may be flagged. We reserve the right to restrict or suspend accounts, decline future orders, and pursue available legal remedies to recover losses caused by chargeback fraud. - Repeated or patterned chargeback abuse may be reported to relevant fraud prevention networks. --- ## Contact Us If you experience any payment issues or have questions, our support team is here to help. - **Email:** [shop@fysetc.com](mailto:shop@fysetc.com) - **Website:** [www.fysetc.com](https://www.fysetc.com) **FYSETC(HK) CO.,LIMITED** ROOM 5042, 5/F, YAU LEE CENTRE, NO. 45, HOI YUEN ROAD, KWUN TONG, KOWLOON, HONG KONG