PAYMENT POLICY

Applicable to orders placed through the Tuyetlan Orchidsilk website.

1. Purpose

This Policy sets out the available payment methods, payment timing and responsibilities of the parties in transactions involving Tuyetlan Orchidsilk.

By making payment, the customer acknowledges that they have read, understood and agreed to this Payment Policy.

2. Payment currency

Product prices are listed in Vietnamese Dong (VND), unless another currency is displayed.

For international customers, the amount ultimately charged may vary due to:

• Exchange rates applied by the bank or payment provider;
• Foreign-currency conversion fees; and
• Service fees charged by the card issuer, bank, money-transfer service or payment gateway.

Unless otherwise agreed, these charges are borne by the customer.

3. Payment methods

Customers may use one of the methods confirmed by Tuyetlan Orchidsilk at the time of purchase.

3.1. Bank transfer

Customers must transfer payment to the account details supplied after ordering.

The transfer description should include the customer’s name or order number.

The order will be processed after Tuyetlan Orchidsilk confirms receipt of funds.

3.2. Online payment through a payment gateway

When online payment is enabled, customers may pay through a payment gateway integrated into the website.

Depending on the gateway, supported methods may include:

• Domestic bank cards;
• International cards such as Visa, Mastercard or JCB;
• E-wallets;
• QR-code payments; and
• Other electronic payment methods shown during checkout.

The transaction is processed by the relevant bank, payment gateway or payment intermediary. Tuyetlan Orchidsilk does not directly store full card numbers, CVV/CVC security codes or payment passwords.

Payment is considered completed only after Tuyetlan Orchidsilk receives successful transaction confirmation from the payment system.

If a transaction is declined, interrupted or remains unconfirmed, the customer should retry or select another available payment method.

3.3. International payment

International customers may use a supported international money-transfer service, international card payment through the integrated gateway, or another method confirmed at the time of the transaction.

Unless otherwise agreed, the customer bears any transfer fee, bank fee, foreign-exchange fee or transaction charge.

4. Payment timing

Ready-made products must be paid for using the selected method before the order is handed over to the carrier, unless otherwise agreed.

5. Payment confirmation

After successful payment is confirmed, Tuyetlan Orchidsilk will:

• Verify the transaction;
• Confirm the order;
• Prepare the goods; and
• Arrange shipment in accordance with the Shipping Policy.

6. Unsuccessful payment

Payment may be unsuccessful due to incorrect information, insufficient funds, rejection by a bank or payment provider, a system error or another objective cause.

An order remains unconfirmed until payment has been successfully completed or an alternative arrangement has been agreed.

7. Refunds

Refunds are governed by the Return, Exchange and Refund Policy.

Where practicable, a refund will be returned to the original payment method. It may otherwise be made to a bank account or another method agreed with the customer.

Processing generally takes seven to fifteen (07–15) business days after refund eligibility is confirmed. The date on which funds become available may depend on the bank or payment provider.

8. Payment security

Electronic transactions are processed by the bank, payment gateway or payment intermediary integrated into the website.

Tuyetlan Orchidsilk does not directly store customers’ full card details or CVV/CVC security codes. Payment data may also be governed by the terms and privacy policy of the relevant service provider.

Customers are responsible for protecting their account credentials and payment information.

9. Payment fraud

Tuyetlan Orchidsilk may refuse an unusual transaction, hold an order for verification or cancel an order where fraud is reasonably suspected.

Reasonable additional information may be requested to verify ownership or lawful use of a payment method.

10. Amendments and effective date

Tuyetlan Orchidsilk may update this Policy to reflect changes in law or business operations. The updated version and its effective date will be published on the website.

Unless otherwise required by law, an update will not adversely affect a transaction confirmed before the update takes effect.

This Policy is effective from 27 July 2026.