This Payment Policy outlines the terms and conditions regarding payments for products and services offered by [Your Company Name]. By making a purchase on our website/platform, you agree to the following:

1. Accepted Payment Methods

We accept the following payment methods:

• Credit/Debit Cards (Visa, Mastercard, etc.)
• Online Banking / FPX (for Malaysian customers)
• E-wallets (e.g., TNG eWallet, GrabPay, Boost)
• Bank Transfer (manual confirmation required)
• [Other methods specific to your business]

All payments are processed in [currency, e.g., MYR (Malaysian Ringgit)] unless otherwise stated.

2. Payment Terms

• Full payment must be made at the time of purchase unless otherwise agreed in writing.
• Orders will only be processed upon successful payment confirmation.
• For subscription-based services, payments will be billed automatically according to the subscription cycle (monthly, quarterly, annually).

3. Pricing & Taxes

• All prices displayed on our website are in [currency] and inclusive/exclusive of taxes where applicable.
• We reserve the right to adjust product pricing at any time.
• Any applicable taxes, duties, or additional charges will be clearly indicated at checkout.

4. Refunds & Cancellations

• Refunds (if applicable) will be processed in accordance with our Refund Policy.
• Once an order has been processed/shipped, cancellations may not be possible.
• Subscription payments are non-refundable once the billing cycle has started, unless otherwise stated.

5. Payment Security

• We use secure, encrypted payment gateways to protect your financial information.
• Your payment details are never stored on our servers.
• Customers are responsible for ensuring the accuracy of their billing details when completing a transaction.

6. Late or Failed Payments

• If a payment fails, your order or subscription may be suspended until payment is completed.
• Repeated failed payments may result in account suspension or termination.

7. Contact Us

For questions or concerns regarding payments, please contact our support team:
📧 Email: billing@[yourcompany].com
📞 Hotline: +60-XXX-XXXX