Payment Policy - vipsense

This Payment Policy applies to all purchases of Tops, Shorts, Jackets-coats and Dresses on https://www.vipsense.com/, operated by Yichun Mingshi Trading Co., Ltd. By completing checkout and submitting payment, you agree to all terms below.

1. Accepted Payment Methods

We offer the following payment options at checkout. Available payment types will display automatically based on your region. Credit & Debit Cards: Visa, Mastercard Digital Wallets: Apple Pay, Google Pay

We do not accept bank wire transfers, cheques, cash on delivery, money orders, or buy-now-pay-later installment services. If you encounter social media messages or external websites claiming we accept other payment methods, those parties are not affiliated with Vipsense and may be fraudulent.

2. Transaction Currency

Product prices are shown in the currency you select on the checkout page. If your card account uses a different currency, your bank will perform currency conversion. Currency conversion fees are charged by your card issuing bank and are outside our control.

3. Payment Security

All online transactions are encrypted through SSL/HTTPS to secure data transmission. You can confirm the secure connection by checking the padlock icon in your browser address bar. We never receive or permanently store your full card number, expiry date or CVV security code. Card details are processed securely by our authorized third-party payment processor following PCI DSS security standards. We only receive transaction confirmation and the last few digits of your card number for order identification.

We will never email, call or message you to request your card number, account password, login credentials or SMS verification codes. Any message requesting this private information is a scam. Please forward suspicious scam messages to support@vipsense.com.

4. When Payment Is Charged

Your selected payment method will be charged the moment you complete checkout, not when your package ships. If payment is authorized but we cannot fulfill your order due to stock shortage or other valid reasons, we will cancel the order, release the payment hold or issue a full refund. No permanent charge will remain for unfulfilled orders.

5. Duties, Customs and Import Charges

The price displayed on our website covers only the clothing product itself. It does not include import duties, customs tariffs or local sales taxes that may be collected when your parcel arrives in your country. All import-related fees are the responsibility of the buyer. We cannot collect, estimate or refund these customs charges. We comply with official customs declaration requirements and cannot understate product value or mark parcels as gifts, which violates customs regulations.

6. Common Causes of Payment Failure

Most declined payments are not website errors, but triggered by bank security rules or mismatched customer information:

Billing name, address or postal code does not exactly match the bank’s records
Your bank automatically blocks cross-border online transactions
Insufficient available balance or you have reached your daily spending limit
3D Secure verification window is closed before authentication completes

If your payment fails, no charge will be applied and no order will be created. You may resubmit payment, switch to another payment method, or contact our support team if failures keep recurring.

7. Manual Order Review

We may place your order under manual review before shipment. This often applies to high-value orders, orders where the billing address differs greatly from the shipping address, or multiple rapid orders sent to the same delivery location. We will email you if your order is held for review. Reviews are usually completed within the same business day. If we cannot verify your order, we will cancel it and refund your payment rather than dispatch goods.

8. Refund Rules

Approved refunds can only be returned to your original payment method. We cannot issue refunds to a different card, third-party account or another person’s payment account. After your refund request is approved, we will process the refund within 5–7 business days. Once we release the refund, your bank or wallet provider usually requires an extra 3–5 business days to post funds to your account, and this timeline is outside our control. Original outbound shipping fees will not be refunded unless we sent defective or incorrect merchandise. Import duties paid to local customs cannot be refunded by us.

9. Chargebacks & Disputes

Please contact our customer support first before opening a chargeback or bank dispute for any order issues. Direct communication is usually faster and simpler to resolve problems. If you open a payment dispute, we will submit supporting evidence including your order record, dispatch confirmation and courier delivery proof. Filing chargebacks after receiving items while keeping both goods and refund is fraudulent and we will contest such claims. Repeated abuse of chargeback rights may result in your future orders being declined.

10. Policy Modifications

We may update this Payment Policy when payment providers or available payment options change. The latest version will be published on this page with an updated date. Revised terms will not apply retroactively to orders already placed before the update.

11. Contact

For payment questions, unrecognized charges or refund follow-up, please email support@vipsense.com.