Payment Policy

Last updated: July 16, 2026

This Payment Policy explains the currencies, payment methods, payment processing, order authorization, payment verification, refunds, cancellations, and additional charges that may apply when purchasing from Nyoshopping.

By placing an order through Nyoshopping, you agree to this Payment Policy and our related Shipping Policy, Refund and Returns Policy, Terms and Conditions, and Privacy Policy.

1. Business and Payment Information

Nyoshopping is an online retail store operated by ASH Dispatchers LLC, a limited liability company registered in Wyoming, United States.

Nyoshopping’s business operations and order fulfillment are managed from Pakistan. Orders are processed and dispatched from Pakistan to supported international destinations.

The Wyoming registered office displayed on our website is our legal business registration address. It is not a retail store, warehouse, product dispatch facility, or general customer return center.

2. Payment Currency

All product prices, order totals, and payments on Nyoshopping are displayed and charged in United States dollars (USD).

If your payment account is maintained in another currency, your bank, card issuer, digital-wallet provider, or payment provider may convert the transaction from USD into your account currency.

The exchange rate and any currency-conversion fee or international transaction fee are determined by your financial institution. These third-party charges are not collected or controlled by Nyoshopping.

3. Accepted Payment Methods

Payments are processed through our authorized payment provider, Stripe.

Depending on the customer’s country, device, browser, payment-provider eligibility, and the methods enabled during checkout, we may accept:

• Visa;

• Mastercard;

• American Express;

• Discover;

• Diners Club;

• JCB;

• Apple Pay;

• Google Pay;

• Amazon Pay; and

• Other eligible card, wallet, bank-debit, or local payment methods displayed during checkout.

The payment methods available for a particular order are the methods shown on the checkout page before the order is submitted.

A payment method listed in this policy may not be available in every country, on every device, or for every transaction.

Nyoshopping does not accept cash, checks, money orders, or payment outside the authorized website checkout unless we expressly confirm otherwise in writing.

4. Payment Security

Nyoshopping uses an encrypted HTTPS connection for website and checkout communications.

Payment transactions are processed through Stripe’s secure payment infrastructure. Stripe is certified as a PCI Service Provider Level 1.

Nyoshopping does not directly receive or store customers’ complete payment-card numbers or card security codes on its own website servers. Sensitive payment information is collected and processed by the applicable payment provider according to its security and privacy practices.

Customers should not send card numbers, security codes, bank-account credentials, passwords, or other sensitive payment information by email, telephone, social media, or contact form.

5. Payment Authorization

By submitting an order, you authorize Nyoshopping and its payment provider to charge the payment method selected during checkout for the displayed order total.

An order is not accepted merely because the customer submitted the checkout form or because a temporary payment authorization appears on the customer’s account.

The order is accepted after:

• The payment has been successfully authorized or received;

• Required payment or fraud checks have been completed;

• The product is available;

• The delivery destination can be served; and

• Nyoshopping issues an order-confirmation email.

We reserve the right to decline or cancel an order before dispatch when the payment cannot be verified, the transaction appears unauthorized or fraudulent, the product is unavailable, or the destination cannot legally or operationally be served.

6. Order Total

Before submitting payment, the checkout page displays the order total charged by Nyoshopping.

The order total may include:

• Product price;

• Applicable product discounts;

• Promotional-code reductions;

• Shipping charges, if any are expressly displayed; and

• Taxes collected by Nyoshopping where legally required.

Nyoshopping currently offers free standard international shipping on eligible orders to supported destinations available during checkout.

Import duties, customs duties, brokerage fees, customs-clearance charges, local taxes, value-added tax, or other destination-country charges may be imposed after dispatch. These charges are not included in Nyoshopping’s standard shipping charge and are normally the recipient’s responsibility, as explained in our Shipping Policy.

7. Promotional Codes and Discounts

A promotional code must be entered and successfully applied before the order is submitted.

Unless expressly stated otherwise:

• Only one promotional code may be used per order;

• Promotional codes cannot be exchanged for cash;

• Expired or invalid codes will not be accepted;

• A discount cannot normally be added after payment has been completed; and

• Refunds are calculated using the actual amount paid after the applicable discount.

Promotional offers are subject to any additional conditions displayed with the offer.

8. Payment Confirmation

After a successful order is placed, we normally send an order-confirmation email to the email address provided during checkout.

Customers should verify that their email address is complete and correct before submitting the order.

If you do not receive an order-confirmation email:

1. Check your spam or junk folder;

2. Confirm whether the payment is pending or completed;

3. Avoid placing the same order repeatedly; and

4. Contact us at info@nyoshopping.com.

An automated payment-provider notification or bank authorization does not replace Nyoshopping’s order confirmation.

9. Pending Payments and Authorization Holds

A bank or card issuer may temporarily place an authorization hold on the payment amount while the transaction is being verified.

A pending authorization is not always a completed charge.

If an order is unsuccessful or cancelled before the payment is captured, the financial institution may release the authorization hold automatically. The time required to release a hold is determined by the applicable bank, card issuer, wallet provider, or payment provider.

Nyoshopping cannot directly control the time required for a financial institution to remove a pending authorization.

10. Failed or Declined Payments

A payment may fail or be declined because of:

• Incorrect payment information;

• Insufficient funds;

• An expired or restricted payment method;

• Billing-address mismatch;

• Card security verification;

• Bank or issuer restrictions;

• International payment restrictions;

• Payment-provider availability;

• Fraud-prevention controls; or

• A technical or network issue.

If the payment is declined, review the entered information and contact your bank or payment provider when necessary.

Nyoshopping generally cannot override a decline issued by a bank, card network, wallet provider, or payment processor.

11. Duplicate Payments

Customers should not repeatedly submit checkout after a transaction appears pending.

If you believe the same order was charged more than once, contact us at info@nyoshopping.com and provide:

• Your full name;

• Order number, if available;

• Transaction date;

• Charged amount; and

• A screenshot or bank reference showing the suspected duplicate charge.

Do not send complete card details or card security codes.

We will review the available order and payment records. A verified duplicate payment will be refunded to the original payment method.

12. Payment Verification and Fraud Prevention

We may review an order before processing or dispatch to protect customers and Nyoshopping against unauthorized payments, fraud, account misuse, and identity theft.

We may request limited additional information reasonably necessary to verify:

• The customer’s identity;

• Billing information;

• Delivery information;

• Payment authorization; or

• The legitimacy of the transaction.

Customers must not send complete card numbers, card security codes, banking passwords, or account-login credentials.

If adequate verification cannot be completed, we may decline or cancel the order and return any successfully collected payment to the original payment method.

13. Billing and Shipping Information

Customers are responsible for providing accurate and complete billing, contact, and shipping information during checkout.

A billing-address mismatch or inaccurate contact information may cause payment failure, verification delays, order cancellation, or delivery problems.

Changing the delivery address after payment may require additional verification and may not be possible after the order has entered processing or dispatch.

Address modifications are also subject to our Shipping Policy.

14. Order Modifications and Cancellations

Customers may request an order modification or cancellation within 24 hours after purchase by contacting:

info@nyoshopping.com

A request is not confirmed until Nyoshopping accepts it in writing.

After an order has entered processing, production, customization, packing, or dispatch, it may no longer be possible to modify or cancel it, even when the request was submitted within 24 hours.

If cancellation is no longer possible, the customer may request an eligible return after delivery under our Refund and Returns Policy.

The inability to cancel an order after processing has started does not remove any mandatory consumer rights provided by applicable law.

15. Refund Eligibility

Payment approval does not automatically create eligibility for a refund.

Returns, exchanges, cancellations, defective products, incorrect products, lost shipments, refused deliveries, and other refund circumstances are governed by our Refund and Returns Policy and Shipping Policy.

An approved refund may be full or partial depending on:

• The amount originally paid;

• The products approved for refund;

• Applicable discounts;

• The condition of the returned product;

• Customer-paid return shipping;

• Actual non-refundable third-party costs permitted under our policies; and

• Applicable consumer law.

Nyoshopping does not charge a separate restocking fee for approved returns.

16. Refund Method

Approved refunds are issued to the original payment method used for the purchase, unless applicable law requires another method.

We do not normally send an approved refund to:

• A different payment card;

• A different bank account;

• Another person;

• A money-transfer service; or

• An alternative payment destination requested after purchase.

Refund processing may differ for certain bank-debit, local-payment, expired-card, cancelled-card, or wallet transactions. The applicable payment provider or financial institution will determine how the refund reaches the customer.

17. Refund Processing Time

After an authorized return is delivered to the approved return destination, Nyoshopping will inspect it and normally initiate an approved refund within 7 business days.

After Nyoshopping initiates the refund, the bank, card issuer, wallet provider, or payment provider may require an additional 7 to 10 business days to display the funds in the customer’s account.

Financial-institution processing times are outside Nyoshopping’s direct control.

A refund issued shortly after payment may appear as a reversal or removal of the original transaction rather than as a separate refund credit.

We will normally send confirmation after the refund has been initiated.

18. Failed or Delayed Refunds

If an approved refund does not appear after the stated financial-institution processing period:

1. Review the original payment account;

2. Check whether the original charge was reversed;

3. Contact your bank, card issuer, or payment provider; and

4. Contact Nyoshopping if further payment-reference information is required.

A refund may be delayed or fail when the original payment method has been closed, cancelled, restricted, or cannot accept the refund.

Where a refund is returned to us or fails, we will review the available payment-provider information and determine the appropriate next step.

19. Customs Duties, Import Taxes, and Third-Party Fees

Customs duties, import taxes, brokerage charges, customs-clearance fees, local taxes, currency-conversion fees, international transaction fees, and similar third-party charges are not normally collected by Nyoshopping unless expressly displayed during checkout.

Charges paid directly to a government authority, courier, bank, card issuer, wallet provider, or other third party cannot generally be refunded by Nyoshopping.

Customers should contact the relevant authority or provider to determine whether a separate refund is available.

Further details about customs and import charges are provided in our Shipping Policy.

20. Payment Disputes and Chargebacks

Customers should contact Nyoshopping first when they believe a charge or refund is incorrect so that we can investigate the matter.

Submitting a payment dispute does not create an additional right to keep a product without completing an otherwise applicable return process.

We may provide the payment provider with relevant transaction information, including:

• Order confirmation;

• Checkout information;

• Customer communications;

• Shipping and tracking records;

• Delivery confirmation;

• Return instructions; and

• Refund records.

Nothing in this section limits any rights available through the customer’s financial institution, payment provider, or applicable law.

21. Privacy

Payment-related personal information is handled according to our Privacy Policy and the privacy terms of the applicable payment provider.

Nyoshopping uses payment and order information only for legitimate purposes such as:

• Processing transactions;

• Preventing fraud;

• Managing orders;

• Arranging delivery;

• Processing refunds;

• Providing customer support; and

• Meeting legal, tax, accounting, and compliance obligations.

Customers should review our Privacy Policy for further information about how personal information is collected, used, retained, and protected.

22. Relationship With Other Policies

This Payment Policy should be read together with:

• Our Shipping Policy;

• Our Refund and Returns Policy;

• Our Terms and Conditions; and

• Our Privacy Policy.

The Shipping Policy explains shipping origin, free standard shipping, delivery estimates, supported destinations, customs responsibilities, and delivery procedures.

The Refund and Returns Policy explains the 30-day return period, return authorization, change-of-mind return shipping, return-address instructions, product inspection, and refund processing.

Where these policies address the same subject, they should be interpreted consistently.

23. Policy Updates

We may update this Payment Policy when our payment methods, payment providers, business practices, legal obligations, or website processes change.

The revised version will be published on this page with an updated effective date.

Changes will not remove rights that arose before the updated policy became effective.