Effective Date: 05/05/2025

1. Introduction

Welcome to Lifextop.com. We are committed to providing you with a secure, smooth, and user-friendly shopping experience when purchasing laptops and related accessories. This Payment Policy explains the payment methods we accept, how transactions are processed, our billing procedures, and the measures we take to protect your payment information. By placing an order on our site, you agree to this policy in full.

This Payment Policy is part of our broader set of terms and is designed to ensure that every purchase made on Lifextop.com is clear, traceable, and secure from start to finish.

2. Accepted Payment Methods

We accept a wide range of payment methods to offer flexibility and convenience for all our customers:

• Credit/Debit Cards: Visa, MasterCard, JCB, American Express, and Discover.

• E-wallets: PayPal, Apple Pay, Google Pay (availability depends on device compatibility and location).

• Bank Transfer: Accepted for bulk or corporate orders.

• Other Methods: We may introduce localized payment options for international customers such as Momo, ZaloPay, or VNPay.

All payments are processed in Vietnamese Dong (VND) unless otherwise specified. Your bank or payment provider may apply currency conversion fees.

3. Payment Process

3.1 Placing an Order

Customers will go through a secure checkout process, entering billing/shipping details and selecting a payment method. Ensure all information is correct to avoid delays.

3.2 Authorization and Verification

After submission, payment details will be verified and authorized. High-value or custom orders may require additional verification.

3.3 Payment Confirmation

Once authorized, you will receive a confirmation email with order details, total amount, taxes (if applicable), and expected delivery timeframe.

3.4 Order Processing

Orders are processed after payment clearance. Most orders ship within 1–3 business days, barring holidays or special events.

4. Payment Security

4.1 Secure Checkout

Playxtop.com uses SSL encryption to protect your personal and financial information during checkout.

4.2 PCI DSS Compliance

We comply with Payment Card Industry Data Security Standards (PCI DSS) to ensure secure data handling.

4.3 Fraud Prevention

Orders may undergo extra fraud checks. Suspicious transactions may be held pending verification.

5. Payment Failures and Issues

5.1 Declined Transactions

You’ll be notified immediately if a transaction fails. Please verify:

• Card information

• Sufficient balance

• Card expiration status

Try a different method or contact your bank if issues persist.

5.2 Billing Address Mismatch

Your billing address must match the one registered with your payment provider to avoid rejection.

5.3 Duplicate Charges

Contact us within 48 hours for suspected duplicate charges. We will investigate and issue a refund if confirmed.

6. Taxes and Currency

6.1 Domestic Orders (Vietnam)

VAT will be included in your total during checkout.

6.2 International Orders

Import duties or taxes may be applicable depending on your country. These are your responsibility and are not included in the order total.

7. Refunds and Payment Reversals

7.1 Refund Eligibility

Refunds follow our Return & Refund Policy. Once approved, funds are returned to the original payment method within 10 business days.

7.2 Payment Reversals / Chargebacks

Unjustified chargebacks without contacting our support may lead to account suspension. We encourage reaching out to resolve issues amicably.

8. Invoices and Receipts

Customers will receive a digital invoice and receipt via email post-payment. For printed or VAT invoices, please contact us within 7 days.

9. Payment for Bulk or Custom Orders

Corporate or educational orders require upfront full payment via bank transfer. For large orders, partial deposits may be accepted (subject to approval).

Custom laptops or builds are non-refundable, except for cases of defects or shipping damage as covered in our Warranty Policy.