Last Updated: September 2026
This Payment Policy explains the payment methods, currency, payment processing, security, refunds, and other payment-related terms that apply when you place an order with MERGIFT.
By placing an order on our website, you agree to the terms described in this Payment Policy.
1. Accepted Payment Methods
We accept the payment methods displayed during checkout.
Depending on availability, these may include:
- Visa
- Mastercard
- Other major credit or debit cards supported at checkout
- PayPal
- Payment methods processed through Stripe
- Other payment options that may be displayed during checkout
The payment methods available for your specific order will be shown before you complete your purchase.
We do not recommend sending payment information through email, text message, or other unsecured communication methods.
2. Currency
All product prices and charges on our website are displayed and processed in U.S. dollars (USD) unless otherwise clearly stated.
If your payment account uses another currency, your bank, card issuer, or payment provider may apply currency conversion rates or additional fees.
Any such currency conversion charges or fees are determined by your financial institution or payment provider and are not controlled by MERGIFT.
3. When Payment Is Charged
Payment is generally authorized or collected when you submit and complete your order.
The exact timing may vary depending on the payment method and payment provider.
After a successful order, you will receive an order confirmation using the contact information provided during checkout.
An order confirmation does not prevent us from subsequently canceling an order in circumstances described in our Terms of Service, such as payment verification issues, suspected fraud, product unavailability, or an obvious pricing error.
If we cancel an order after payment has been collected, the applicable refund will be issued to the original payment method.
4. Secure Payment Processing
We take reasonable measures to provide a secure checkout experience.
Payment transactions are processed through third-party payment service providers using security measures appropriate to their payment systems.
Complete credit or debit card information is generally submitted directly to the applicable payment provider and is not directly stored by MERGIFT on our servers.
Our website uses secure encrypted connections where appropriate to help protect information transmitted during checkout.
However, no Internet-based payment or data transmission system can be guaranteed to be completely secure.
5. Payment Authorization
When you submit an order, your payment provider may perform an authorization or verification process.
By providing a payment method, you represent that:
- You are authorized to use that payment method
- The payment information you provide is accurate
- Sufficient funds or credit are available to complete the transaction
- The payment is not being made for fraudulent or unauthorized purposes
We reserve the right to cancel or place an order under review if payment cannot be authorized or if we reasonably suspect fraudulent or unauthorized activity.
6. Failed or Declined Payments
A payment may be declined for reasons including:
- Incorrect card information
- Incorrect billing information
- Insufficient funds
- An expired card
- Bank or card issuer restrictions
- Payment provider security checks
- Suspected fraudulent activity
If your payment is declined, please verify your payment and billing information or contact your bank or payment provider.
MERGIFT generally does not control the approval or decline decision made by your bank, card issuer, or payment provider.7. Payment Verification
For security and fraud-prevention purposes, some orders may require additional payment or identity verification.
We may contact you using the information provided with your order if additional verification is reasonably necessary.
Orders may be temporarily delayed while verification is completed.
If we cannot reasonably verify a transaction, we may cancel the order and issue an applicable refund to the original payment method.
8. Pricing
Product prices are displayed on the applicable product pages.
The price charged for an order will generally be the price displayed during checkout when the order is submitted.
We make reasonable efforts to ensure pricing information is accurate.
If an obvious pricing or technical error occurs, we may contact you before fulfilling the order or cancel the affected order where permitted by applicable law.
If an affected order has already been paid and is canceled, the applicable payment will be refunded to the original payment method.
9. Shipping Charges
Our standard shipping fees are:
- United States: $5.99 per order
- International: $10.99 per order
The applicable shipping charge will be clearly displayed at checkout before you complete your purchase.
For complete shipping information, including processing times, estimated delivery times, and international shipping details, please review our Shipping & Delivery Policy.
10. Taxes
Applicable sales tax or other required charges may be calculated based on the order and shipping destination where required.
Any applicable tax will be displayed during checkout before the purchase is completed.
11. No Hidden Charges
Before submitting your order, you will have an opportunity to review the applicable product price, shipping charge, taxes, discounts, and order total.
We do not intentionally add undisclosed mandatory charges after an order has been completed.
Charges imposed independently by your bank or payment provider, such as foreign transaction or currency conversion fees, are not charges imposed by MERGIFT.
12. Promotional Codes and Discounts
If a valid promotional or discount code is available, it must generally be applied before completing checkout.
Promotional offers may be subject to specific:
- Expiration dates
- Product exclusions
- Minimum purchase requirements
- Usage limitations
- Other conditions disclosed with the promotion
Unless otherwise stated, promotional codes generally cannot be combined.
Discounts cannot normally be applied retroactively to a completed order unless otherwise stated or required by applicable law.
13. Order Changes and Cancellations
Orders may be changed or canceled within 2 hours after purchase.
After this period, an order may have entered processing or production and we may no longer be able to modify or cancel it.
If an order is successfully canceled after payment has been collected, the applicable refund will be issued to the original payment method.
Please review our Terms of Service and Return & Refund Policy for additional information.
14. Refunds
Approved refunds are issued to the original payment method used for the purchase.
For approved returns, we generally process the applicable refund within approximately 3–5 business days after the authorized return has been received and inspected.
Once we issue a refund, your bank, credit card issuer, PayPal, or other payment provider may require additional time to post the funds to your account.
MERGIFT does not control the processing time of your financial institution after a refund has been issued.For complete refund eligibility and return conditions, please review our Return & Refund Policy.
15. Duplicate or Unrecognized Charges
If you believe you were charged more than once for the same order or do not recognize a transaction associated with MERGIFT, please contact us as soon as possible.
Please provide:
- Your name
- Order number, if available
- Transaction date
- Amount charged
- A description of the issue
For your security, do not send complete credit or debit card numbers, CVV/security codes, passwords, or other sensitive payment credentials by email.
We will review available order and transaction records and assist where reasonably possible.
16. Chargebacks and Payment Disputes
If you believe there is a problem with an order or payment, we encourage you to contact our customer support team first so we can review the issue and attempt to resolve it.
This does not limit any rights you may have to contact your bank, card issuer, or payment provider regarding a transaction.
If a payment dispute or chargeback is submitted, we may provide relevant transaction, order, shipping, delivery, and customer communication records to the applicable payment provider as reasonably necessary to respond to the dispute.
17. Payment Information and Privacy
Information collected in connection with payments is handled according to our Privacy Policy and the privacy practices of the applicable payment provider.
For more information about how we collect, use, and share personal information, please review our Privacy Policy.
18. Contact Us
If you have questions about a payment, refund, transaction, or existing order, please contact us:
MERGIFT
Address:
Xom Sinh Loc, Nam Ninh, Ninh Binh 430000, Viet Nam
Phone:
+84962991368
Email:
For payment-related questions about an existing order, please include your order number whenever possible.
For your security, never send complete card numbers, CVV/security codes, or account passwords by email.