Payment Policy_Open Financial (Hong Kong) Technology Limited

Payment Policy
1. Accepted Payment Methods
Open Financial (Hong Kong) Technology Limited accepts the following payment methods:
Local and overseas credit cards (Visa, MasterCard, American Express, UnionPay)
Online payment gateway provided by the Company
FPS / bank transfer (where applicable)
Cash (HKD only)
All payments must be made in Hong Kong Dollars (HKD) unless otherwise stated.

2. Payment Authorization & Buyer Consent
2.1 By completing a payment, the Buyer confirms and represents that:
The Buyer is the authorized cardholder or has full authorization from the cardholder
All payment details provided are accurate, valid, and lawfully used
The Buyer has reviewed, understood, and agreed to the Company’s
Terms & Conditions, Refund Policy, Delivery Policy, and Payment Policy
2.2 Completion of payment constitutes explicit authorization for the Company to charge the full transaction amount using the selected payment method.

3. Order Confirmation
3.1 Orders are confirmed only after successful payment authorization and fund clearance.
3.2 The Company reserves the right to cancel or suspend any unpaid or partially paid orders without prior notice.

4. Finality & Irreversibility of Payment
4.1 Once payment has been successfully processed, the transaction shall be deemed final and binding.
4.2 Payments are non-refundable and non-reversible, except as expressly stated in the Company’s Refund Policy or required under applicable law.

5. Third-Party Payment Processors
5.1 Payments made through an online payment gateway are processed by third-party payment service providers.
5.2 The Company shall not be responsible for payment delays, authorization failures, system errors, or outages caused by banks or third-party processors.
5.3 Any transaction fees, currency conversion charges, or processing fees imposed by third-party providers shall be borne by the Buyer unless otherwise stated.

6. Failed, Reversed, or Disputed Payments
6.1 In the event of a failed payment, reversed transaction, or post-delivery payment dispute, the Company reserves the right to:
Suspend or cancel any pending or future orders
Withhold delivery of unpaid or disputed orders
Recover outstanding amounts through lawful means
6.2 Claims of unauthorized transactions raised after successful delivery and receipt confirmation will be treated as disputed transactions and defended accordingly.

7. Chargebacks & Payment Disputes
7.1 The Buyer agrees not to initiate a chargeback, payment reversal, or bank dispute without first contacting the Company for clarification and resolution.
7.2 Any chargeback raised in contradiction to the Company’s disclosed policies may be contested using payment authorization records, delivery confirmation, order records, and policy acceptance evidence.
7.3 The Buyer acknowledges that acceptance of the Company’s policies at the time of payment forms an integral part of the transaction agreement.

8. Final Interpretation
Open Financial (Hong Kong) Technology Limited reserves the right of final interpretation and amendment of this Payment Policy.
The latest version shall prevail.