Payment Policy

1. Accepted Payment Methods

At cqytrade.com, we offer a variety of secure and convenient payment methods to ensure a seamless shopping experience. We accept the following payment options:

Visa

MasterCard

American Express

Discover

JCB

Maestro

Payment Card Types:

Credit Cards: Visa, MasterCard, American Express, Discover
Debit Cards: Debit cards associated with the above credit card networks
Other Cards: JCB, Maestro

Payment Options Update

We continuously evaluate and may add new payment options at any time to better serve you. All currently available payment methods will be displayed on the checkout page. If you have questions about a specific payment method, please contact us at [email protected].

2. Payment Security and Processing

Your financial information security is our top priority. We employ multiple layers of protection to ensure your payment data remains safe and secure.

Security Technologies

SSL Encryption PCI DSS Compliant Secure Gateway

SSL Encryption: We use industry-standard SSL (Secure Socket Layer) encryption technology to protect all payment information during transmission, preventing unauthorized interception
PCI DSS Compliance: Our payment processing fully complies with PCI DSS (Payment Card Industry Data Security Standard), the globally recognized payment card security standard
Third-Party Processing: Your payment data is processed by our trusted, PCI DSS-compliant third-party payment gateway. We do not store your complete credit card information on our servers
Fraud Prevention: Advanced fraud detection systems monitor transactions 24/7 to protect against unauthorized access

Your Data is Protected

All sensitive payment information is encrypted and transmitted through secure protocols. Your complete credit card number is never stored in our database—only the last four digits are retained for reference purposes.

3. Payment Process Explanation

Understanding how payments are processed helps set proper expectations. Here's how our payment system works:

1

Authorization

When you place an order, your payment method is pre-authorized to verify funds are available. This temporarily holds the amount but does not charge your account yet.

2

Capture (Charge)

The actual funds capture (charge) typically occurs when we prepare your order for shipment. This ensures you're only charged for items that are actually sent to you.

3

Confirmation

Upon successful payment, you'll receive an order confirmation email immediately. This email contains your order details and tracking information once shipped.

Payment Failure

If your payment fails, the system will notify you immediately. Common reasons include insufficient funds, incorrect card details, or bank security holds. Please verify your payment information and try again, or use an alternative payment method. If issues persist, contact your bank or reach out to us at [email protected].

Special Note: Certain promotional campaigns or pre-order items may have different payment timing. Any special payment arrangements will be clearly communicated during checkout.

4. Currency, Pricing, and Taxes

Transaction Currency

All transactions on our website are processed in United States Dollars (USD). Prices displayed on our website are in USD unless otherwise specified.

International Transactions

If you use a bank card issued in a different currency, the final transaction amount will be converted by your card issuer based on their current exchange rate. Your bank may also charge:

Foreign transaction fees
Currency conversion fees
Cross-border processing fees

Exchange Rate Information

Exchange rates and fees are determined by your card issuer, not by cqytrade.com. Please contact your bank directly for detailed information about international transaction fees and current exchange rates.

Taxes and Duties

Product prices displayed on our website do not include applicable taxes. The following taxes may apply based on your shipping destination:

Sales Tax (for U.S. customers)
Value Added Tax / VAT (for international customers)
Goods and Services Tax / GST
Import duties and customs fees (for international orders)

These taxes are automatically calculated and added to your order total at checkout based on your shipping address and local regulations. The final amount shown at checkout is the complete amount you will be charged.

International Orders

For international shipments, you may be responsible for additional customs duties, import taxes, or brokerage fees imposed by your country. These charges are determined by local customs authorities and are not included in your order total. Please check with your local customs office for specific requirements.

5. Accurate Billing Information

To ensure smooth order processing and prevent delays, it is crucial that you provide accurate billing information that matches your payment account records.

Billing Information Must Match

Your billing information (name, address, zip code) must exactly match the information on file with your credit card or bank. Mismatched information can trigger our fraud prevention systems, resulting in:

Order processing delays
Temporary order holds for verification
Payment authorization failures
Potential order cancellation

What to Check:

Full legal name as it appears on your card
Complete billing address including apartment/unit numbers
Correct ZIP/postal code
Valid phone number
Current email address

Verification Process

If our security system detects a potential issue with your billing information, we may contact you via [email protected] to verify your identity and order details. This is for your protection and helps prevent fraudulent transactions. Please respond promptly to avoid order delays.

Shipping vs. Billing Address: Your shipping address can differ from your billing address. However, your billing address must still match your payment account records for successful processing.

6. Refund Processing

All refunds are processed in strict accordance with our Refund and Returns Policy. Understanding the refund timeline helps manage your expectations.

Refund Timeline

1

Return Received

Once we receive your returned item(s) at our warehouse, our team will inspect the product(s) to verify they meet our return conditions.

2

Quality Inspection

Our quality control team examines the returned items to ensure they are in acceptable condition according to our return policy guidelines.

3

Refund Initiated

After approval, refunds are processed within 1-5 business days. The refund will be issued to your original payment method.

4

Bank Processing

Your bank or card issuer will process the refund credit. This typically takes 5-10 business days but may vary by financial institution.

Refund Method

Refunds are always issued to your original payment method. We cannot process refunds to a different card or account. If your original card has expired or been closed, contact your bank—they can typically redirect the refund to your current account.

Bank Processing Time

The time it takes for the refund to appear in your account depends on your bank's processing schedule. While most refunds appear within 5-10 business days, some banks may take up to 2 billing cycles. If you don't see your refund after this time, please contact your bank first, then reach out to us at [email protected].

Partial Refunds: In some cases, partial refunds may be issued (e.g., if an item shows signs of use or is missing components). We will notify you via email if a partial refund is approved.

Shipping Costs: Original shipping charges are generally non-refundable unless the return is due to our error (wrong item, defective product, etc.). Return shipping costs are the customer's responsibility unless otherwise stated in our return policy.

7. Payment Issues and Disputes

We understand that payment issues can be stressful. We're here to help resolve any problems quickly and fairly.

Common Payment Issues

If you encounter any of the following problems, please contact us immediately:

Duplicate Charges: You've been charged multiple times for the same order
Incorrect Amount: The charged amount differs from your order total
Payment Failed but Charged: Payment authorization failed but money was deducted
Missing Refund: Expected refund hasn't been received
Card Not Accepted: Valid payment method is being declined

How to Report Payment Issues

Contact our customer service team immediately with the following information:

Your order number
Date and time of the transaction
Last 4 digits of the card used
Description of the issue
Screenshots of error messages (if applicable)

Email: [email protected]
Phone: 13065903326

Unauthorized Transactions

If you notice a charge from cqytrade.com that you did not authorize or do not recognize:

1

Contact Your Bank

Immediately notify your card issuer or bank to report the unauthorized transaction. They can place a hold on further charges and begin their investigation.

2

Notify Us

Contact us at [email protected] with details of the unauthorized charge. We will investigate from our end and cooperate fully with your bank's fraud investigation.

3

Investigation

We will review the transaction, check our security logs, and provide all necessary documentation to assist in the resolution.

Chargeback Notice

Before filing a chargeback with your bank, we strongly encourage you to contact us first. Many payment disputes can be resolved quickly through direct communication. Chargebacks can take 60-90 days to resolve and may result in account suspension. We're committed to working with you to find a fair solution.

Resolution Commitment

We are committed to resolving all payment issues fairly and promptly:

Initial response within 24-48 hours
Full investigation within 3-5 business days
Resolution and action within 7-10 business days
Regular updates on complex cases

Our Commitment

Your trust is important to us. If an error occurred on our end, we will make it right promptly. We maintain detailed transaction records and work diligently to investigate and resolve any payment concerns you may have.

Thank you for choosing cqytrade.com!
We are committed to providing you with a secure, transparent, and hassle-free payment experience.