Checkout

Payment & Security

This page explains how payments are processed, how payment information is protected and what information SAI HING HONG can access when you place an order.

Payments are completed through our secure online checkout. The payment methods available to you are displayed before you confirm your order.

Accepted payment methods

The payment options shown at checkout may include major credit cards, debit cards, digital wallets or other payment services supported for your country, currency, device and browser.

The methods actually available to you are those displayed during checkout. Some options may only appear on supported devices or in eligible regions. If a payment method is not shown, it is not currently available for that order.

How your payment is processed

Our storefront and checkout operate through Shopify. When you submit a payment, your payment information is collected through Shopify’s checkout and processed by the applicable payment provider.

SAI HING HONG does not receive or store your complete card number or security code. The limited payment information visible with an order may include the payment status, card brand and last four digits, where provided by the payment processor.

This information allows us to identify a transaction, assist with an order enquiry and process an approved refund without accessing your full card details.

How the connection is protected

Encrypted connection

Checkout information is transmitted using an encrypted connection. Before entering payment information, check that you are on the correct website and that your browser displays a secure connection.

If your browser shows a security warning or the website address appears incorrect, do not enter your payment details.

Payment verification

Your bank or payment provider may request additional identity verification before approving a transaction. This may include a verification code, banking application approval or 3-D Secure authentication.

This verification is controlled by your bank or payment provider. SAI HING HONG cannot bypass it or complete it on your behalf.

Fraud screening

Orders may be reviewed automatically or manually for indicators of fraud or unauthorised payment activity.

If additional information is required, we may contact you using the details provided with your order. An order may be delayed, declined or cancelled if payment cannot be verified or if we reasonably suspect unauthorised activity.

Charges, currency and refunds

• Product prices and the currency applicable to your order are displayed on the website and confirmed during checkout.
• If your payment account uses another currency, your bank or payment provider may apply its own exchange rate or foreign transaction fee.
• Any currency conversion charge imposed by your bank or payment provider is separate from the amount charged by SAI HING HONG.
• Your payment may be authorised or charged when the order is placed, depending on the payment method and payment provider.
• The description shown on your bank statement may vary according to the payment provider.
• Approved refunds are returned to the original payment method used for the order.
• After we issue a refund, your bank or payment provider may require additional processing time before the funds appear in your account.

Refund eligibility and processing conditions are explained in our Refund Policy.

Payment safety

Only use a payment method displayed through our official checkout. Do not send card details, passwords or security codes by email, telephone or social media.

SAI HING HONG will never ask you to provide your complete card number, card security code, online banking password or account password by email.

If anyone contacts you claiming to represent SAI HING HONG and requests payment outside our official checkout, do not make the payment. Contact us directly so we can review the request.

Your personal information

We collect and use the information required to process an order, arrange delivery, provide customer support, prevent fraud and meet our legal obligations.

Information about the personal data we collect, why we use it and the rights available to you is provided in our Privacy Policy.

Payment problems

Why was my payment declined?

A payment may be declined because of incorrect billing information, insufficient funds, a bank security check, a transaction limit or restrictions applied by your bank or payment provider.

Check the information entered and contact your bank if the problem continues. For security reasons, SAI HING HONG may not be told the specific reason for a declined transaction.

What should I do if I see a duplicate or unfamiliar charge?

Some pending entries may be temporary authorisations rather than completed charges. Check whether the transaction remains pending or has been fully processed.

If a charge appears duplicated or you do not recognise it, contact us at service@saihinghong.com with your order number and the date and amount of the transaction. Do not include your full card number or security code.

What should I do if I receive a suspicious message?

Do not click links, download attachments or provide payment credentials. Forward the relevant details to service@lunverot.com so we can review them.

Contact information

Customer service email: service@lunverot.com
Telephone: (852) 25481814

SAI HING HONG is operated by SAI HING HONG LIMITED, Hong Kong SAR.