Payment Policy

This Payment Policy explains the payment methods we accept, how payments are processed, and what to do if a payment fails when placing an order on PACIFIC RIDGE EXPORTS LIMITED.

1) Accepted Payment Methods

We currently accept the following payment methods:

  • Visa
  • American Express
  • JCB
  • eps
  • giropay
  • Google Pay
  • PayPal

Available payment options may vary depending on your location, device, browser, and the settings of your bank or payment provider.

2) Third-Party Payment Processing

Payments are processed securely by our third-party payment service providers Stripe and PayPal. When you complete checkout, your payment details are submitted directly to Stripe and/or PayPal through encrypted connections.

We do not store your full payment card details (such as full card number, security code/CVV, or full bank/payment credentials) on our servers at any time.

3) Authorization & Charge Timing

When you place an order, your payment may be authorized first and then captured (charged) upon successful order confirmation. In some cases, an authorization hold may appear temporarily on your account depending on your bank or payment provider.

If a payment is reversed, canceled, or refunded, timing depends on your bank or payment provider.

4) What To Do If Your Payment Fails

If your payment is declined or fails, please try the following:

  • Confirm your billing details match your bank/payment account information.
  • Try a different payment method (for example, PayPal instead of card, or another card).
  • Check your available balance/credit limit and any online or international payment restrictions.
  • Contact your bank or payment provider to approve the transaction or remove restrictions.
  • Retry checkout after a few minutes, as temporary network or verification issues can occur.

If you continue to experience issues, contact us at  and include your order attempt details (items, timestamp, and any error message displayed).

5) Data Security & Protection

We take reasonable technical and organizational measures to help protect your information. Our security practices may include:

  • HTTPS/TLS encryption to protect data transmitted between your browser and our website.
  • Tokenization and secure payment flows provided by Stripe and PayPal (we receive payment tokens, not full card details).
  • Access controls and least-privilege permissions for staff access to administrative systems.
  • Monitoring and security updates to help reduce vulnerabilities in our website platform and plugins.

Despite safeguards, no method of transmission or storage is 100% secure. If you believe your payment information or account has been compromised, please contact your bank/payment provider immediately and notify us at aftersale@morxu.com

6) Contact

If you have any questions about this Payment Policy, please contact us at aftersale@morxu.com