Payment Policy

Payment Policy

Last Updated: October 20, 2026

This Payment Policy explains how payments are handled for orders placed through chimianba at https://chimianba.com/.

Our store is operated by Shenzhen Heyidian Advertising Media Co., Ltd. We aim to provide clear information about checkout, payment authorization, transaction issues, and refunds.

1. Accepted Payment Methods

The payment methods available for an order are displayed during checkout through our e-commerce platform, SHOPLINE.

Available methods may include major credit and debit cards (Visa, Mastercard, American Express, Discover), PayPal, and other local payment options depending on your region and order details.

Available methods may vary depending on payment-provider availability, transaction requirements, and other applicable restrictions.

All prices are displayed in U.S. dollars (USD) unless otherwise stated at checkout.

Please review the payment options and order total before confirming your purchase. We do not guarantee the availability of any particular payment method unless it is actually displayed as an available option during checkout.

2. Payment Authorization and Processing

When you place an order, your selected payment method may be subject to authorization or verification by the relevant payment provider or financial institution.

Orders may not proceed until the necessary payment checks have been completed successfully. In some cases, a temporary pre-authorization hold may be placed on your account for the order total; this hold will be converted to a final charge once the order is processed.

If payment authorization fails, additional verification may be required. You may need to contact your bank or payment provider or select another available method.

During peak holiday periods (November–December), payment processing may take slightly longer due to higher transaction volume.

3. Prices, Shipping Charges, and Taxes

Product prices and applicable shipping charges will be displayed on the Website or during checkout.

The final amount may include applicable taxes, shipping fees, discounts, and other charges disclosed before purchase.

Unless expressly stated otherwise, product prices do not include import duties, customs fees, or other government taxes. These charges, if any, are the customer's responsibility and will be collected by the carrier or at the time of delivery.

Your bank or payment provider may independently apply currency conversion fees or foreign transaction charges if your payment method is denominated in a currency other than U.S. dollars. We do not control charges imposed independently by those institutions.

4. Payment Security

All payments are processed by independent, PCI-DSS compliant third-party payment service providers. We do not store complete payment card details on our servers.

Depending on the provider and payment method, security measures may include transaction verification, fraud monitoring, 3D Secure authentication, and other safeguards.

We never ask customers to send complete payment card numbers, card security codes, or account passwords through ordinary customer service email, chat, or social media messages.

Please use only payment methods authorized for your use and review any payment-provider notices relating to your transaction.

5. Failed or Declined Payments

If your payment fails, please:

• Check that the information entered at checkout (billing address, card number, expiration date, security code) is accurate.
• Confirm that your payment method is valid and has sufficient available funds or credit.
• Check whether your bank or payment provider requires additional verification (such as 3D Secure or one-time password).
• Try another payment option if one is available.
• Contact your financial institution if the issue continues.

If your account appears to have been charged but you did not receive an order confirmation, contact us with the transaction date, amount, and any available reference number. We will investigate and resolve the issue promptly.

Please do not send your complete card details or security code in any message to us.

6. Order Confirmation

After placing an order, you will receive an order confirmation email at the address provided during checkout.

Please retain your order confirmation and any transaction reference for your records.

An order confirmation acknowledges receipt of your order details but does not necessarily indicate that all fulfillment checks have been completed. We may contact you if additional verification is required.

7. Refunds and Payment Reversals

Where a refund is approved, it will generally be issued to the original payment method within 5–10 business days after the refund is processed.

The time required for a refund to appear in your account depends on the payment provider, bank, card issuer, or other financial institution. Credit card refunds may take an additional 5–10 business days to appear on your statement after being processed.

Some transactions may appear as a reversal of the original payment rather than a separate refund line item.

Refund eligibility and return procedures are explained in detail in our Return & Refund Policy.

8. Suspicious Transactions and Order Review

We may review or delay an order where reasonably necessary to verify payment details, prevent fraud, protect customers, or comply with legal requirements. This may include:

• Orders with billing and shipping address mismatches.
• Unusually large or bulk orders.
• Orders flagged by our payment provider's fraud detection system.

During the review period, your payment may be pre-authorized but not yet captured. We will contact you if additional information is needed to complete verification.

Where an order cannot be verified or payment authorization fails, we may cancel the order as permitted by applicable law and issue a full refund.

9. Contact Us

For payment questions or transaction inquiries, please contact:

Brand: chimianba Operated by: Shenzhen Heyidian Advertising Media Co., Ltd. Email: service@chimianba.com Phone: +86 17727550406 Address: Room 606, Shouchuang Business Building, No. 5 Longhua Guangchang 3rd Road, Fukang Community, Longhua Street, Longhua District, Shenzhen, Guangdong 518109, China Website: https://chimianba.com/

Please include your order number or transaction reference and a brief description of the issue.

10. Policy Updates

We may update this policy to reflect changes in our payment procedures or legal obligations. The current version will be published on this page, subject to applicable law.