Payment Policy

1. Overview

At Asian Grocery Shop, we aim to make your online grocery shopping simple, safe, and secure.
This Payment Policy explains how payments are processed for purchases made on our website and your rights as a customer under EU Payment Services Directive (PSD2) and Finnish e-commerce laws.

All transactions made through our website are encrypted, protected, and GDPR-compliant.

2. Accepted Payment Methods

We accept the following payment methods for online purchases:

💳 Credit/Debit Cards (Visa, MasterCard, Maestro)
🏦 Online Bank Transfer (via supported Finnish banks)
💻 PayPal
💶 Klarna (Pay Later, Pay Now, or Slice It options)
💵 Cash on Delivery (COD) — available for select delivery zones only

All payments are made in Euros (€).

3. Payment Security

Your security is our top priority.
All online payments on our website are processed through SSL (Secure Socket Layer) encrypted payment gateways that comply with PCI DSS (Payment Card Industry Data Security Standards).

We never store or have access to your full credit/debit card details.
All sensitive data is transmitted securely and handled by our trusted payment partners (e.g., PayPal, Stripe, Klarna).

4. Payment Authorization

When you place an order, your card or payment method will be authorized to ensure sufficient funds are available.
Your account will be charged only when your order is confirmed and ready for processing.

If the payment authorization fails, the order will not be processed.

5. Currency

All product prices and transactions on Asian Grocery Shop are displayed and processed in Euros (€), inclusive of Finnish VAT (Value Added Tax) as required by law.

If you’re using an international card or payment service, your bank may charge currency conversion or international transaction fees — these are not controlled by us.

6. Order Confirmation

Once your payment is successfully processed:

You’ll receive an email confirmation containing your order details and payment receipt.
If you do not receive a confirmation email within 1 hour, please check your spam folder or contact us at [email protected]

7. Cash on Delivery (COD)

If COD is available in your delivery area:

You must pay the exact amount in Euros (€) to the delivery driver at the time of delivery.
COD orders may require phone confirmation before dispatch.
Failure to accept COD delivery may lead to suspension of the option for future orders.

8. Refunds

Refunds are processed according to our Refund & Return Policy.

Once approved:

Refunds will be issued to the original payment method used at checkout.
Refunds typically take 5–10 business days to appear in your bank or PayPal account.
If you paid via Cash on Delivery, you’ll receive a refund through bank transfer (please provide valid account details).

9. Failed or Declined Transactions

If your payment is declined:

Double-check your billing details, card validity, and account balance.
Try another payment method.
If issues persist, contact your bank or payment provider.

We are not responsible for failed transactions due to incorrect card information or insufficient funds.

10. Fraud Prevention

To protect customers from fraudulent activity, we reserve the right to:

Verify billing and shipping addresses before order processing.
Request additional verification (e.g., phone confirmation).
Cancel any suspicious or high-risk transactions.

All fraud attempts will be reported to relevant authorities.

11. Data Protection

All personal and payment information is processed in accordance with the EU General Data Protection Regulation (GDPR).
We only collect the minimum necessary information to process your order and payment.

For more details, please refer to our Privacy Policy.

12. Payment Disputes

If you believe an unauthorized transaction occurred or a charge is incorrect, please contact us immediately at [email protected]
We’ll investigate the issue and coordinate with the payment provider to resolve it promptly.

13. Changes to Payment Policy

We may update this Payment Policy occasionally to reflect new payment methods or legal requirements.
Any changes will be effective immediately upon posting to this page, with the effective date updated accordingly.

14. Contact Us

For questions or concerns about payments, please contact us:
📧 Email: [email protected]
📍 Address: Kansankatu 17, Rovaniemi 96200, Lapland, Finland