1. Accepted Payment Methods
Global Online Payments
Credit/Debit Cards
Visa, Mastercard, American Express (processed via PCI-DSS compliant gateways)
Digital Wallets
PayPal, Apple Pay, Google Pay
Bank Transfers
Available for orders over $1,000
Regional Options
North America: Shop Pay installments (subject to eligibility)
Europe: SEPA Direct Debit
Asia: Alipay, UnionPay
⚠️ COD (Cash on Delivery) not available - All orders require prepayment.
2. Payment Security
We implement:
End-to-end encryption (TLS 1.3 protocol)
Tokenization of sensitive card data
3D Secure 2.0 authentication for all card transactions
Regular security audits by independent firms
Your payment details never touch our servers - processed directly through certified payment processors.
3. Order Processing
Step-by-Step Flow
1. Authorization
Funds are reserved immediately upon checkout
2. Clearing
Full amount captured when order ships
Email confirmation sent with tracking number
3. Exception Handling
Failed payments: Order automatically canceled after 48 hours
Bank declines: Contact your financial institution
4. Billing Requirements
Address Verification (AVS): Billing address must match bank records
Name Consistency: Use the name displayed on payment instrument
Updates: Modify billing info in "Account Settings" before purchase
5. Taxes & Duties
|
Location |
Tax Handling |
|
USA |
Sales tax added at checkout |
|
EU/UK |
VAT included in product price |
|
Other Regions |
Import duties payable by recipient |
Tax estimates visible before payment submission
Customs forms accurately declare shipment value
6. Currency & Fees
Base Currency: USD (all prices displayed in USD)
Conversion Fees:
1.5% applied for non-USD transactions
Calculated by your card issuer
Refunds: Issued in original payment currency
7. Dispute Resolution
For payment issues:
1. Contact us within 30 days: tim@hkzauto.com
2. Provide:
Order number
Transaction ID
Bank statement snippet
3. Resolution timeline: 3-7 business days