Payment Security & Refund Processing Policy

Effective Date: September 24, 2026

At BuyDIYGifts, we take payment security and the protection of customer transaction information seriously.

This Payment Security & Refund Processing Policy explains the payment methods available on our website, how payment information is processed, and how refunds are returned to customers.

1. Accepted Payment Methods

BuyDIYGifts currently supports the following payment methods, subject to availability at checkout:

Visa
Mastercard
Maestro
Visa Electron
JCB
American Express (Amex)
Diners Club
Discover
PayPal
UnionPay (China UnionPay)

The payment methods displayed at checkout may vary depending on your location, order, currency, payment provider, or other transaction-related factors.

Please select one of the payment methods available on the checkout page when completing your purchase.

2. Secure Payment Processing

Payments made through BuyDIYGifts are processed through the payment infrastructure and payment service providers available through our e-commerce and payment systems.

Payment transactions are transmitted through secure payment channels designed to protect transaction information during transmission.

We do not ask customers to send complete credit or debit card numbers, CVV/CVC security codes, passwords, or other sensitive payment credentials to us by email, social media, or customer service messages.

For your security, please never send your full card number, CVV/CVC code, PIN, online banking password, or other sensitive payment credentials to our customer service team.

If a payment issue requires investigation, our customer service team may request limited transaction information, such as an order number, transaction reference, payment status, or the last few digits of a card. We will not ask you to provide your complete card security credentials through ordinary customer service communications.

3. Payment Information

When you place an order, certain information is required to process the transaction, such as:

Name;
Billing information;
Shipping information;
Email address;
Order information;
Payment method; and
Transaction or payment reference information.

Depending on the payment method selected, payment information may be processed by the applicable payment provider or financial institution.

Please refer to our Privacy Policy for additional information about how personal information and payment-related information may be handled.

4. Card Payment Security

For card payments, the transaction may be processed through the applicable payment processor, acquiring bank, card network, and card-issuing bank.

Depending on the payment method and transaction, additional verification or authentication may be required by the payment provider or card issuer.

For example, your bank or card issuer may require additional authentication before approving an online transaction.

The following card networks/payment brands are supported where available at checkout:

5. PayPal Payments

PayPal is also available as a payment method where displayed at checkout.

When you choose PayPal, the payment is processed through PayPal according to the applicable PayPal terms and payment procedures.

For refunds issued through PayPal, PayPal states that refunds are generally returned to the original payment method. The time required for the funds to appear depends on the original payment method and the card issuer or bank.

6. When Is a Payment Considered Completed?

An order is considered paid when the applicable payment provider confirms successful payment authorization or settlement, as applicable.

A payment may remain pending or require additional verification before it is confirmed.

If a payment fails, is declined, or remains incomplete, we may not be able to process or ship the related order until payment has been successfully confirmed.

7. Refunds Are Generally Returned to the Original Payment Method

When a refund is approved, we will generally issue the refund to the same payment method used for the original transaction, subject to the rules and capabilities of the applicable payment provider.

For example:

A card payment will generally be refunded to the applicable card account;
A PayPal payment will generally be refunded through PayPal according to the applicable payment method;
Other payment methods will generally be refunded through the applicable payment channel.

We may not be able to change the destination of a refund to a different card, bank account, PayPal account, or other payment method at the customer's request.

If the original payment method is no longer available, please contact customer service. The applicable payment provider may have specific procedures for handling such situations.

8. Refund Processing Time

Once we approve a refund, we will submit the applicable refund through the payment processing system.

The time it takes for the refund to actually appear in your bank account, card account, or payment account is determined by the applicable payment provider, card issuer, acquiring institution, or bank.

Accordingly, the date on which we issue a refund and the date on which you actually receive or see the funds in your account may be different.

We cannot guarantee a specific bank posting date.

9. Bank and Card Issuer Processing Times

Refund processing times vary depending on the payment method and financial institution.

For card refunds, Visa Acceptance Solutions states that refunds generally appear in a customer's account within approximately 2–30 days after the merchant issues the refund, with the exact posting date determined by the card-issuing bank.

For Mastercard-related payment services, Mastercard-published customer guidance indicates that certain refunds may take approximately 3–5 business days to clear into a bank account. Actual timing can vary according to the payment service and financial institution involved.

For PayPal transactions, PayPal states that:

Credit card refunds may take 1–2 billing cycles, depending on the card issuer;
Debit card refunds generally take up to 5 business days, although some cases may take up to 30 days depending on the card company;
Bank-account refunds generally take up to 5 business days, although some cases may take longer.

These are payment-provider or financial-institution processing estimates and are not guarantees of the date on which a customer will receive the funds.

The actual posting time is subject to the processing procedures of the relevant bank, card issuer, payment provider, and payment network.

10. Weekends and Holidays

Bank and payment-provider processing may be affected by weekends, public holidays, banking schedules, settlement cycles, and other non-business days.

Therefore, the time displayed by a payment provider or bank may differ from the date on which BuyDIYGifts processes the refund.

11. What to Do If You Have Not Received Your Refund

If we have confirmed that your refund has been successfully issued but you do not see the funds in your account, please allow additional processing time for your payment provider or bank.

If the applicable processing period has passed and the refund is still not visible, please contact your card issuer, bank, or payment provider first.

You may also contact BuyDIYGifts customer service so that we can provide available transaction or refund reference information where applicable.

When contacting us, please provide:

Order number;
Name used for the order;
Email address used for the order;
Refund date, if known; and
Refund or transaction reference information, if available.

12. Refund Reference Information

When available, we may provide a refund reference number or other transaction information that can help the payment provider or card issuer locate the refund.

If your bank or card issuer asks for a refund reference number, please contact us, and we will provide the available information associated with the transaction.

13. Currency Conversion and Refund Amounts

If a transaction involved currency conversion, the amount ultimately credited to your account may differ from the amount you see due to exchange-rate fluctuations or the policies of the applicable payment provider, bank, or card issuer.

Where applicable, currency conversion is handled according to the terms and exchange-rate procedures of the relevant payment provider or financial institution.

14. Payment Disputes and Unauthorized Transactions

If you believe that a payment was made without your authorization, please contact your bank, card issuer, or payment provider immediately.

For card payments, you should follow the procedures provided by your card issuer regarding unauthorized transactions.

You may also contact BuyDIYGifts customer service so that we can review the relevant order and transaction information.

Please do not send complete card numbers, passwords, PINs, or CVV/CVC security codes to us by email or other ordinary communication channels.

15. Payment Security Disclaimer

We take reasonable measures to support secure payment processing, but no internet transmission or electronic storage system can be guaranteed to be completely secure.

Payment processing may involve third-party payment providers, financial institutions, card networks, and other service providers. Their respective security, authentication, processing, and privacy practices may also apply to your transaction.

For information about how personal information is collected, used, and shared, please refer to our Privacy Policy.

16. Contact Us

If you have questions regarding a payment, refund, or transaction, please contact:

BuyDIYGifts Customer Service
Email: YUZAWA TRADE LIMITED
Website: https://buydiygifts.com

For your security, please do not include your full card number, CVV/CVC code, PIN, password, or other sensitive payment credentials in your email.