Welcome to our payment center. To ensure you have a safe and convenient shopping experience, we partner with top global financial payment service providers to offer a variety of mainstream and secure payment methods. All transactions are processed using advanced encryption technology to fully protect your financial and personal information security. Below is a comprehensive overview of the payment methods, processing procedures, and security policies currently accepted on our store.

We want to ensure your checkout experience is smooth, secure, and convenient. We offer a variety of trusted payment options so you can choose the method that works best for you. Currently, we accept most major international credit and debit cards as well as PayPal, Klarna, Apple Pay and Google Pay through a secure checkout process.

1. Express Checkout: You can log in directly to your PayPal account and make a quick payment with one click, without having to re-enter your shipping address. When you place an order with Paypal you will be redirected to the PayPal payment page, where you can confirm your payment by logging in with your PayPal username and password.
2. Guest Checkout: If you do not have a PayPal account, or if you do not want to use your PayPal account, ,you can still pay as a guest through PayPal, by clicking on the "Pay with Debit or Credit Card" option on the PayPal payment page, and you will be redirected to a secure page where you can first enter your email address and then enter your credit card information to complete your payment safely via PayPal.
3. PayPal Credit & Pay Later: PayPal Credit and PayPal Pay Later are two distinct financing options offered by PayPal that allow you to pay in installments or defer payment when shopping online. Depending on your eligibility and location, you can access PayPal's built-in installment plans directly through your account. Log in to your PayPal account. Go to the "Pay Later" section. Click on the installment plan you want to pay for. Click "Pay".
4. With PayPal, you can send payment quickly and securely online. Once your order is submitted, you can trace the status of your payment using your PayPal account.

*Please note that as a leading global online payment platform, PayPal provides comprehensive buyer protection and additional security for your transactions. Eligible orders are covered by PayPal's official Buyer Protection policy, giving you greater peace of mind when shopping.

1. Choose your shipping address or create a new address.
2. Provide your name as printed on the card, your card number, the month and year your card expires, and your 3 or 4 digit security code.
3. Completely enter your credit/debit card details above and click "Submit".
4. Your payment will be processed and the receipt will be sent to your email address.
5. When you click "Place Order," our system places a temporary Authorization Hold on your account to verify funds and check for fraud. This is not a charge. Your account is officially Charged (Captured) only when your order transitions to the processing or fulfillment stage.

*Please note that during the payment process, your card information will be processed through a secure and encrypted channel. We will not save the credit/debit card number or personal information you entered when making the payment. If you have questions about a credit/debit card transaction, please contact the bank that issued your credit/debit card.

1. Choose Klarna at checkout. After selecting "Pay Now," and you will be redirected to Klarna's secure environment to complete a brief approval process, with an instant decision in seconds.
2. Different payment plans may be offered depending on the purchase amount. Klarna offers flexible payment plans, customers can choose to pay in 4 interest-free payments, in full, in 30 days, or over time(specific options depend on your country/region and Klarna's real-time credit assessment).
3. There’s never any interest if you pay in 4 installments with Klarna. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time.
4. Complete your checkout. The initial amount will be charged based on the payment plan chosen. You will be redirected back to our website and will receive an order confirmation from our website along with payment plan details from Klarna.

*Please note that if you select Klarna at checkout, the system will automatically assess your credit limit without affecting your core credit record. Klarna's availability and specific options depend on your country/region (primarily supporting the US, UK, EU, and Australia) and are subject to Klarna's instant credit assessment at checkout. You can only manage your payments via the Klarna mobile app. We are unable to provide any details about Klarna payment plans or payment schedules. For more information, just click here.

1. The available digital wallet options will vary depending on your device, browser, location, and the actual display of the checkout page. If you see the corresponding digital wallet option at checkout, you can choose that method to complete the payment.
2. Paying with Apple Pay and Google Pay is easy. All you need to do is activate your credit/debit card for payment.
3. Apple Pay: Apple Pay provides a fast and secure way to pay using linked bank cards or account balances, allowing you to securely make payments in apps or online from any Apple device. Available strictly on Apple devices (iPhone, iPad, Mac, Apple Watch) when browsing via Safari. Transactions must be authenticated via Face ID, Touch ID, or your Apple passcode.
4. Google Pay: Available on Android devices, Chrome OS, and Chrome browsers across desktop and mobile. With Google Pay, you can pay online with a credit or debit card stored in your Google Account, including cards linked to Google Play, YouTube, Chrome, or an Android device.
5. Shop Pay: Shopify’s accelerated checkout. We do not currently support it. If you have saved your details with any Shopify store before, you can authorize payment with a quick SMS verification code

*Please note that we do not collect your credit/debit card number or personal information when you pay through Apple Pay and Google Pay. For questions regarding your transactions on our site, please consult your card-issuing bank or Apple/Google Support for information.

Transaction Security: The security of your personal and financial information is our top priority. Our website is powered by Shopify and meets the highest level of PCI-DSS compliance standards. The entire site (from browsing to checkout) utilizes industry-standard 256-bit SSL and TLS encryption technology to protect your personal and financial information during transmission.

Compliance Protection: We utilize PayPal and Oceanpayment as third-party online payment service providers to offer our customers convenient, secure, compliant, and stable cross-border payment services. All payment data is processed by a PCI-DSS Level 1 compliant payment processor, ensuring that your payment information remains strictly confidential and secure.

Zero Credit Card Storage: All sensitive data (such as full card numbers and CVV codes) is processed directly by highly regulated financial institutions or gateways (e.g., PayPal, Oceanpayment). Our servers never collect, view, or store your full card information. We will never ask you to provide your full card number, password, or other sensitive payment information through email, text messages, or unofficial channels.

3D Secure (3DS) Authentication: We fully support security protocols like Visa Secure, Mastercard Identity Check and Amex SafeKey. During checkout, your bank may require secondary verification (such as an SMS code, email code, biometric approval, or mobile banking app approval) to completely prevent fraud and unauthorized card use, thus providing customers with a simple and secure payment experience.

If you pay by credit card, your payment could be somehow denied at the checkout by our system in defense against possible credit card fraud. Furthermore, due to the higher unit price of some of our products, your card issuer may intercept large online transactions as part of their standard anti-fraud protection mechanisms.

In this case, here are some solutions for you to choose from:

1. Info and Billing Verification: Check that the card number, expiration date, and the 3- or 4-digit CVV/CVC security code on the back of the card are completely correct. Check your billing address to ensure that the billing address you enter at checkout matches the address registered with your card-issuing bank.

2. Check Card Limits: Please check your bank card limits to ensure that your card has sufficient single transaction limits and supports cross-border or large online transactions.

3. International/Online Payment Authorization: Many banks disable overseas cross-border transactions or online payment functions on cards by default. Please call the issuing bank's customer service to request the activation of the above permissions.

4. Switch to Other Credit/Debit Card Channels: Exit the direct Credit card payment channel and switch to another Credit/Debit Card payment channel for payment.

5. Try Other Credit/Debit Cards: Please switch to your other credit/debit card and try payment again. If multiple attempts fail, please try again in 24 hours.

6. Try an Alternative Method: Use another payment method (such as PayPal or Digital Wallet). You can try checking out using PayPal (you can link the exact same credit card). PayPal transactions can often bypass certain bank interceptions on direct credit card swipes. You can also pay directly using your credit card on the PayPal page without registering.

7. Anti-Fraud Triggers: Rapid repeated checkout attempts or using an active VPN/Proxy network during checkout may flag your IP address as high-risk, causing our firewall to reject the payment. Turn off your VPN and try again.

8. Contact Your Bank: Please call the customer service number on the back of your credit card to explicitly authorize the online transaction, then return to our website to try checking out again.

If you continue to face issues, feel free to contact our customer support team at service@totguardebike.com.

To reduce delivery failures and enhance your shopping experience, we employ advanced address detection algorithms and SSL (Secure Sockets Layer) encryption technology to safeguard your data during transmission.

Address Verification System (AVS): During checkout, your billing address is verified against the address on file with your PayPal or card issuer. Please ensure your billing details match your bank statements exactly to prevent order delays.

Order Confirmation: Once your payment has been successfully processed, you will receive an order confirmation email containing the details of your purchase. Please keep your order number for future reference. If you have completed your payment but have not received an order confirmation, please check your spam or junk mail folder first. If you still cannot find your confirmation, please contact us for assistance.

Order Review: In some cases, additional payment verification may be required to ensure your security. If we require further information, we will contact you promptly via our official email address to verify your payment details. Orders will remain on hold until verification is successfully completed.

Checkout Currency: All transactions are processed in USD ($). Our store utilizes an automatic multi-currency converter. While you may browse prices in your local currency, please note that all transactions are finalized, captured, and processed in US Dollars (USD) at checkout. We solemnly pledge never to charge buyers any payment processing fees. The total order amount (including product price, shipping fee, and tax) that you see at checkout is the final amount we deduct.

Currency Conversion Fees: If your payment card is denominated in a currency other than our store's settlement currency (e.g., EUR, CAD, GBP), your issuing bank will automatically convert your local currency to U.S. Dollars. Additionally, your bank may charge a small currency conversion fee. Conversion rates and any potential "Currency Conversion Fees" are determined solely by your bank. Please check with your bank's policy for details.

Foreign Transaction Fees: Our business operations are registered and located in Hong Kong. Our payment service provider is registered in the United Kingdom. If you are purchasing from outside Hong Kong (e.g., the United States, Canada, Europe, or Australia), your card issuer or bank may assess a "Foreign Transaction Fee" or "International Service Fee" (typically 1% to 3% of the total amount). These fees are deducted directly by your card-issuing bank and are not part of the merchant's revenue; please consult your bank directly for specific rates.

Exchange Rate Fluctuations: Currency conversion rates change constantly based on global market conditions. The exact exchange rate applied to your purchase is determined by your bank or payment processor at the exact time the charge is captured.

Original Payment Method Rule: All refunds are strictly returned via the original payment method. We cannot issue refunds to a different credit card, a different PayPal account, or via cash/wire transfer under any circumstances. If you paid by credit/debit card, the funds will be returned to that card; if you paid via PayPal or digital wallet, they will go back to your PayPal or digital wallet account. If you pay via Klarna, the funds will be refunded to your Klarna account, and any unpaid installment bills will be automatically cancelled.

Refund Processing Timeframes: Once we approve a refund and issue a credit Memo, the funds leave our system immediately. However, financial institutions require processing time to credit your account. Refunds typically take 3–10 business days to clear, depending on your financial institution.

If you encounter any issues with your payment, please reach out to our support team immediately at service@totguardebike.com. We are committed to resolving payment disputes quickly and fairly. If a dispute is raised through your bank or payment provider (e.g., PayPal or credit card company), we will cooperate fully to resolve the issue.

Once your payment is successfully processed, the system will automatically send an electronic receipt (Order Confirmation) to your email, which details the order number, product details, shipping costs, taxes, and payment method, serving as a preliminary financial receipt.

If you require an official commercial invoice for corporate reimbursement or business accounting, please contact our support team after your order is delivered, and we will issue and email you a PDF version upon request.

If you have any questions about payment methods, a failed payment, or your payment status, please contact our customer support team. We are always happy to help. To help us resolve it quickly, please include your draft order number(if applicable), screenshots of the error, and the payment method used.

Email: service@totguardebike.com

Service Hours: Monday to Friday 6 PM - 2 AM PST (except holidays)

Thank you for choosing TotGuard, and we look forward to serving you!