Payment Policy

Last Updated: July 2025

This Payment Policy outlines the terms and conditions related to payments made on MyKarmaSoul, operated by OCEAN CANDY LIMITED.

By placing an order on our website, you agree to this Payment Policy.

1. Accepted Payment Methods

We accept a variety of secure payment methods to provide a smooth global shopping experience, including but not limited to:

Credit cards (Visa, Mastercard, American Express, Discover where available)
Debit cards
PayPal
Apple Pay (where available)
Google Pay (where available)
Shopify Payments and other authorized payment processors

All payments are processed securely through third-party payment gateways. We do not store full credit card or payment card information on our servers.

2. Currency

All prices displayed on our website are listed in the currency shown at checkout.

If you are purchasing from outside the base currency region, your payment provider or bank may apply:

Currency conversion fees
Foreign transaction fees
Exchange rate differences

These charges are determined by your financial institution and are not controlled by MyKarmaSoul.

3. Order Authorization

When you place an order, your payment method will be authorized and charged based on the total order amount, including applicable shipping fees and taxes (if applicable).

We reserve the right to:

Verify payment information
Request additional verification
Cancel orders suspected of fraud or unauthorized activity

Orders are only confirmed once payment has been successfully processed.

4. Fraud Prevention and Security

We take fraud prevention seriously and may perform security checks on certain transactions.

If a transaction is flagged as high risk, we may:

Request identity verification
Request proof of payment authorization
Cancel or hold the order for review

These measures are in place to protect both customers and our business.

5. Taxes and Duties

Prices displayed on our website do not include import duties, customs fees, VAT, GST, or other government-imposed charges unless explicitly stated at checkout.

Customers are responsible for any applicable import taxes or customs fees required by their local authorities.

6. Failed or Declined Payments

If your payment is declined or fails, your order will not be processed.

Possible reasons include:

Insufficient funds
Bank restrictions on international transactions
Incorrect payment details
Fraud prevention blocks by your bank or payment provider

We recommend contacting your bank or payment provider for assistance if issues persist.

7. Chargebacks and Payment Disputes

We encourage customers to contact us directly before initiating any chargeback or payment dispute.

Most issues can be resolved quickly through our customer support team.

If a chargeback is filed without prior communication, we reserve the right to:

Suspend or terminate the customer’s account
Refuse future orders
Provide evidence of shipment, delivery, and order fulfillment to the payment provider
Contest fraudulent or unauthorized chargebacks

We maintain detailed records of all transactions, including shipping confirmation and tracking information.

8. Refund Processing

Approved refunds are issued according to our Return & Refund Policy.

Refunds will be returned to the original payment method used at checkout.

Processing times may vary depending on:

Payment provider processing times
Banking institutions
Regional financial systems

Typically, refunds may take 5–10 business days to appear in your account after approval.

9. Subscription or Recurring Payments (If Applicable)

If we offer subscription-based products or recurring billing services in the future, customers will be notified in advance and must provide explicit consent.

Recurring payments may be canceled at any time according to the terms provided at the time of purchase.

10. Payment Failures After Order Placement

In some cases, orders may be placed but payment may later fail or be reversed.

In such cases, we reserve the right to:

Cancel the order
Suspend shipment
Request alternative payment methods
Recover unpaid amounts where applicable

11. Customer Responsibility

Customers are responsible for:

Providing accurate billing information
Ensuring payment authorization
Reviewing order details before checkout
Complying with local financial regulations

12. Contact Information

If you have any questions regarding payments, billing, or transaction issues, please contact us:

OCEAN CANDY LIMITED
Unit No.4B, 5/F, Hunghom Commercial Centre, Tower B, No.37 Ma Tau Wai Road, Hunghom, Kowloon, Hong Kong

Email: support@mykarmasoul.com
Website: www.mykarmasoul.com