Payment Policy

Payment Processor

All payment transactions are processed through secure, encrypted channels. Our official merchant account is registered under HongKong Chitu International Trading Co., Limited.
We do not store your full credit card information on our servers. All card data is processed directly by PCI-DSS compliant payment service providers.

Common Payment Failures & Solutions

If your payment is not successful, please try the following steps:
1. Contact your bank: International transactions may be blocked by your bank for security reasons. Call your card issuer and ask them to allow the transaction to our merchant.
2. Verify your card details: Double-check the card number, expiry date, CVV and billing address.
3. Try another payment method: Switch to a different card or PayPal if card payment keeps failing.
4. Check your balance: Ensure your card has sufficient funds or available credit limit.

Common Error Codes

| Error Code | Meaning | Recommended Action |
| 80000 | Transaction approved | No action needed. You will receive an order confirmation email shortly. |
| 80010 / 80030 | Transaction declined by bank | Contact your card issuer to confirm the reason and request approval for the transaction. |
| 80011 | Refer to card issuer | Call your bank for verification. |
| 80012 | Payment declined | Check if your card is frozen, expired or has restrictions. |
| 80013 | Transaction not permitted on card | Use a card that supports international online payments, or try PayPal. |
| 80014 | Duplicate transaction | This order has already been paid. Check your order history or contact support. |
| 80021 | Invalid card number | Re-enter your card number carefully. |
| 80022 | Insufficient funds | Top up your account or use another payment method. |
| 80023 | Expired card / wrong expiry date | Check your card expiry date and enter it correctly. |
| 80026 | Invalid CVV | Re-enter the security code on the back of your card. |
| 80027 | Exceeds payment limit | Contact your bank to temporarily raise your limit, or split your order into smaller payments. |
| 80040 | Lost / stolen card | Stop using this card and contact your bank immediately. |
| 80041 | Suspected fraud | Contact your bank to confirm you are the cardholder and release the hold. |
| 80090 | 3D Secure unavailable | Check your internet connection, or contact your bank to enable 3D Secure. |
| 80100 | Transaction interrupted | Check if you were charged. If not, create a new order and try again. |

High-Risk Order Verification

For orders flagged by our anti-fraud system:
- We may contact you via email to verify your order information (e.g. last 4 digits of your payment card).
- We will not cancel your order without prior notice and verification.
- If we cannot verify your information within 7 business days, we may cancel the order and issue a full refund.

5. Order Tracking

Currency & Pricing
All prices on our website are listed in US Dollars (USD). The final amount charged to your card may vary slightly due to currency exchange rates set by your card issuer.
We do not charge any hidden checkout fees. Import duties and taxes are not included and are collected separately by the carrier.

If you have any payment-related questions, please contact us at support@cyctracebike.com.