In today’s fast-paced world, flexibility and convenience in payment methods are paramount. Whether shopping online, dining out, or making everyday purchases, having a variety of payment options can enhance the shopping experience. To cater to your diverse needs, we are proud to announce that we accept a wide array of payment methods including VISA, Mastercard, JCB, American Express (AMEX), PayPal, Apple Pay, and Google Pay. Below, we introduce each of these convenient payment solutions:
VISA
VISA is the world's leading payments technology company, providing digital payment solutions to consumers, businesses, banks and governments. As one of the most widely accepted credit and debit card brands in the world, VISA provides a payment network that connects merchants and consumers around the world, enabling electronic transfers to take place across geographies and currencies.
Key Features and Services
Widespread Acceptance: VISA cards are accepted in more than 200 countries and territories worldwide, reaching millions of merchants and ATMs.
Diverse product offering: VISA offers a wide range of payment cards, including credit, debit, prepaid and business cards, to meet the needs of different consumers and businesses.
Security: VISA uses advanced security technologies such as EMV chips, tokenization and real-time anti-fraud monitoring to protect transactions and reduce the risk of fraud.
Innovative Payment Solutions: VISA continues to drive innovation in payment technologies, including contactless payments, mobile payment solutions such as VISA payWave, and online payment services.
Reward Programs: Many VISA card products offer reward programs such as points rebate, travel insurance and airport lounge services.
How VISA works
When you use your VISA card to make a purchase, VISA's payment network processes the following steps to complete the transaction:
Authorization: The merchant initiates the transaction request with VISA, which forwards the request to the card-issuing bank to verify the validity of the card and the availability of funds.
Clearing: Once the transaction is authorized, VISA processes the accounting information to ensure that funds are transferred from the cardholder's account to the merchant's account.
Settlement: Finally, VISA facilitates the final transfer of funds, ensuring that both parties are accounted for accurately.
Social Responsibility
Mastercard
Mastercard is an international financial services company known for its widely accepted credit and debit card payment network. As one of the world's leading payment processing networks, Mastercard provides fast, secure and convenient payment solutions for consumers, merchants, banks and governments.Mastercard cards can be used at millions of merchants and ATMs in over 210 countries and territories worldwide, supporting both cross-border and local currency transactions.
Key Features
Widely accepted: Mastercard is a globally recognized payment brand and its cards are widely accepted in stores, restaurants, hotels and online platforms around the world.
Secure: Mastercard uses multiple layers of security to protect transactions, including chip and PIN technology, tokenization services, and an ongoing fraud monitoring system to ensure that user transactions are secure.
Flexibility: Mastercard offers a wide range of card products including credit, debit, prepaid and business cards to meet the needs of different users.
Rewards and benefits: Many Mastercard card products come with rewards programs and additional benefits such as points rebates, travel insurance, airport lounge access and a variety of offers and promotions.
Transaction Process
Payment initiation: After selecting goods or services at an online merchant, the consumer selects Mastercard as the payment method and enters card information.
Authorization Request: The merchant sends the consumer's payment information to the acquirer through its payment gateway. The acquirer then forwards the request to the Mastercard network.
Validation: The Mastercard network sends the request to the issuing bank to validate the transaction (check card validity, balance, etc.).
Authorization: The card issuer reviews the request and returns an approval or denial decision to Mastercard, which then notifies the acquirer and ultimately feeds back to the merchant.
Completion of the transaction: Once the transaction has been approved, the clearing and settlement process ensues and funds are transferred from the consumer's account to the merchant's account.
Online transactions may also include additional security measures, such as 3D Secure verification, which requires the consumer to authenticate twice (e.g., by entering a one-time password or through a mobile app) to further secure the transaction.
JCB (Japan Credit Bureau)
JCB (Japan Credit Bureau) is a Japanese international payment brand established in 1961, which has evolved over time to become a widely recognized and accepted credit and debit card service provider worldwide. As one of the leading payment networks in Asia, JCB not only has a deep market base within Japan, but also provides services in over 190 countries and regions worldwide, and enjoys high visibility and usage especially in the Asia-Pacific region.
Features and Services
Global acceptance: JCB cards are accepted at millions of merchants worldwide, including retail stores, restaurants, hotels and online platforms.
Travel benefits: JCB offers cardholders a wide range of travel-related benefits, including airport lounge access, travel insurance and special offers and discounts on purchases made overseas.
Exclusive Offers: JCB cardholders can enjoy a wide range of exclusive offers and promotions covering dining, shopping, entertainment and more.
Security: JCB uses a variety of security measures to protect card transactions, including chip card technology and a range of online transaction security measures to prevent fraud and unauthorized use.
Transaction process
Select Payment Method: When shopping online, consumers select JCB as their payment method and enter their JCB card details such as card number, expiry date and security code.
Authorization Request: The merchant sends a payment request to the acquiring bank (or payment service provider) through its payment gateway. The acquiring bank then forwards the request to the JCB network for authorization.
Validation and Authorization: The JCB system receives the payment request and forwards it to the card issuer (i.e. the consumer's bank) to validate the transaction. The issuing bank checks the card validity, account balance and other information and decides whether to authorize the transaction.
Authorization Response: Once the Issuing Bank approves the transaction, an authorization response is sent through the JCB network to the acquiring bank, which then notifies the merchant that the transaction has been authorized.
Completion of Transaction: Once the authorization is completed, the transaction amount will be debited from the consumer's account and transferred to the merchant's account later during the clearing process. This usually involves several business days.
Confirmation and Receipt: The consumer receives a confirmation of the transaction and an electronic receipt, marking the completion of the online shopping process.
The entire process is highly automated and typically takes only a few seconds from the time the consumer initiates the payment to the time the transaction is completed.JCB also employs multiple security measures, including 3D Secure technology, to provide additional security verification for online transactions to protect the interests of both consumers and merchants.
American Express (AMEX)
American Express (AMEX) is a global financial services company known for its credit card, debit card, and traveler's check services.Founded in 1850 as an express mail company, AMEX has since evolved into a multinational company offering a wide range of financial products and services.AMEX credit cards are particularly popular among higher-income consumers for their superior service, high credit limits, and extensive membership rewards programs. Membership rewards programs are favored by high-income consumers.
Key Features
Widespread Acceptance: While AMEX may be slightly less accepted than Visa and Mastercard globally, it is still widely accepted among merchants in many countries and regions.
Rewards Programs: AMEX offers a variety of rewards programs, including travel points, cash back, and partnerships with airlines and hotels that provide value to cardholders.
Premium Card Offerings: AMEX is known for its premium card offerings, such as the Platinum Card and Centurion Card, which provide users with exclusive services and benefits, including airport lounge access, travel insurance, personal shopping services and more.
Customer Service: AMEX is known for its exceptional customer service, providing cardholders with 24-hour customer service support for a wide range of questions and needs.
Transaction process
Selecting a payment method: At checkout, the user selects American Express as their payment method from a number of payment options.
Enter Card Information: Users will be asked to enter their AMEX card details, including the card number, expiration date and the security code (CVV) on the back of the card.
Complete verification:To increase the security of the transaction, AMEX may require the user to perform additional authentication. This may be done by sending a one-time verification code to the user's cell phone or by asking the user to log into their AMEX account. This step is intended to ensure the identity of the payer and prevent fraud.
Authorization and Approval: Once the user has entered all the required information and completed any necessary security verifications, the payment information is sent to AMEX for authorization, which reviews the transaction, confirming information such as card validity and whether there are sufficient funds in the account, and then approves or rejects the transaction.
Confirmation and Completion:If the transaction is approved, the user will receive a confirmation that the transaction was successful. The merchant will also be notified that the transaction has been authorized and can then continue to process the order. Eventually, the transaction amount will be deducted from the user's AMEX account.
Security Features
AMEX Online Payments employs multiple security measures to protect users' information and funds, including advanced encryption technology, a fraud monitoring system, and the additional authentication steps described above.
In short, AMEX's online payment process emphasizes security and user convenience, protecting users' transactions and personal information by providing a smooth payment experience and strict security measures.
PayPal
PayPal is a leading global online payment platform that provides secure and convenient electronic transactions between individuals and businesses. Since its inception in 1998, PayPal has become one of the leading methods of digital payments, allowing users to easily send and receive payments via their email address. It supports multiple currencies, can be used for cross-border transactions, and is widely accepted by millions of merchants and websites around the world.PayPal also offers buyer and seller protection programs to ensure secure transactions.
Apple Pay
Apple Pay is a mobile payment and digital wallet service from Apple that allows users to make secure payments through Apple devices such as iPhone, Apple Watch, iPad and Mac. With Apple Pay, users can quickly make payments in stores, in-app and online without having to manually enter payment information.Apple Pay uses Near Field Communication (NFC) technology for contactless payments and authentication via Touch ID, Face ID or device passcode for added payment security.
Google Pay
Google Pay (formerly known as Android Pay) is a digital payment platform provided by Google that allows users to make payments in brick-and-mortar stores, in-app, and online through their Android devices.Google Pay supports credit cards, debit cards, and bank accounts, and uses NFC technology to enable contactless payments at participating merchants. It can also store gift cards, loyalty cards, coupons and more. Similar to Apple Pay, Google Pay offers advanced security features such as tokenization and dual authentication to protect users' payment information and privacy.
By embracing these payment methods, we are committed to providing you with the ease and flexibility you deserve. No matter your preference, we ensure that your transactions are secure, efficient, and tailored to your lifestyle. Shop with us, and experience the ultimate in payment convenience.
