Payment & Security
At lagtjy, we want customers to understand how payments are handled when placing an order through our website.
This Payment & Security Policy explains the payment process, transaction authorization, payment security, pricing, refunds, and how to contact us if a payment-related issue occurs.
1. Accepted Payment Methods
The payment methods currently available for your order will be displayed during checkout.
Depending on your location, device, selected currency, and the payment services enabled for the transaction, available options may include major credit or debit cards, digital wallets, or other payment methods supported through our checkout system.
The payment options shown during checkout are the methods available for that particular order.
We do not guarantee that every payment method will be available to every customer or in every location.
2. Secure Checkout
lagtjy operates through Shopify and uses authorized payment service providers to process online transactions.
Payment information is transmitted through the applicable checkout and payment systems using security measures designed to protect transaction data.
Customers should complete payments only through the official checkout pages available on lagtjy.com.
We will never ask customers to send full credit card numbers, card security codes, payment account passwords, or similar sensitive payment credentials through ordinary customer service email.
3. Payment Authorization
When you submit an order, your payment provider, bank, or card issuer may be asked to authorize the transaction.
A payment may also be subject to:
- Card verification
- Address verification
- Identity authentication
- Fraud-prevention screening
- Bank or payment provider security checks
- Additional authorization requirements
An order cannot be treated as successfully paid until the applicable payment authorization has been completed.
4. Order Confirmation and Payment Status
After a successful order submission, you should receive an order confirmation using the contact information provided during checkout.
An order confirmation acknowledges that we have received your order.
It does not necessarily mean that every payment or fulfillment check has been completed.
If a payment is declined, reversed, incomplete, or requires further verification, the order may be delayed or cancelled.
5. Pricing and Currency
Product prices are displayed on our website according to the store and checkout settings applicable to your order.
Before completing payment, customers should review the final order summary carefully.
The checkout page may display:
- Product prices
- Discounts
- Shipping charges
- Applicable taxes
- Order total
- Transaction currency
The amount shown before final payment confirmation is the amount that will be submitted for authorization, subject to any payment provider or bank processing rules.
6. Currency Conversion
If your payment card, bank account, or digital wallet uses a currency different from the currency shown at checkout, your bank or payment provider may perform a currency conversion.
The applicable exchange rate and any foreign transaction or currency conversion fee are determined by the relevant bank, card issuer, or payment provider.
These charges are not controlled by lagtjy.
For questions about exchange rates or bank-imposed fees, please contact your financial institution directly.
7. Taxes and Shipping Charges
Any taxes or shipping charges collected by lagtjy will be shown during checkout where applicable.
Customers should review the final order total before submitting payment.
Shipping charges may depend on the destination, order value, available shipping option, or any promotion in effect at the time of purchase.
Additional details are available in our Shipping Policy.
8. Declined or Unsuccessful Payments
A payment may be declined for several reasons, including:
- Incorrect card or account information
- Expired payment credentials
- Insufficient funds
- Bank restrictions
- International transaction restrictions
- Security verification failure
- Payment provider limitations
- Fraud-prevention checks
- Temporary payment system interruptions
If your payment is unsuccessful, please check the information entered during checkout.
You may also need to contact your bank, card issuer, or payment provider.
lagtjy cannot override a payment authorization decision made by a bank or independent payment provider.
9. Fraud Prevention and Transaction Review
To help protect customers and our business, certain transactions may be reviewed for suspected fraud, unauthorized activity, unusual purchasing patterns, or payment inconsistencies.
Where reasonably necessary, we may request additional information to verify an order.
We may delay or cancel an order where there is a reasonable concern about fraud, unauthorized payment, or misuse of the checkout system.
If a paid order is cancelled by us and cannot be fulfilled, the appropriate refund will be issued to the original payment method.
10. Payment Information and Customer Privacy
Personal information collected in connection with payment and checkout is handled in accordance with our Privacy Policy.
Full payment credentials are processed through the applicable payment service provider.
Our customer service team does not need your full card number or card security code to assist with an ordinary order inquiry.
Please do not send sensitive payment information by email.
11. Refunds
Where a refund is approved under our Return Policy or otherwise required, refunds are normally issued to the original payment method used for the purchase.
We generally initiate approved refunds within the timeframe stated in our Return Policy.
After a refund has been issued, your bank, card issuer, or payment provider may require additional time before the funds appear in your account.
The exact posting time is determined by the financial institution and is outside our direct control.
12. Cancelled Orders
If an eligible order is cancelled before fulfillment, any payment already collected will be refunded in accordance with the applicable cancellation and refund conditions.
If a payment authorization is still pending rather than fully settled, the bank or payment provider may release the authorization instead of showing a separate refund transaction.
The time required for the release of a pending authorization depends on the financial institution.
13. Duplicate Charges or Pending Transactions
In some cases, customers may see a pending authorization and a completed charge at the same time.
This does not always mean that the customer has been charged twice.
Pending authorizations are controlled by the payment provider or bank and may disappear automatically after the transaction is finalized.
If you believe you have been charged more than once for the same order, please contact us with your order number and relevant transaction details.
14. Unauthorized Transactions
If you believe a payment was made without your authorization, contact your bank, card issuer, or payment provider immediately.
You should also contact us at:
Please provide enough information for us to identify the relevant order.
For your protection, do not include full payment card details in your email.
15. Chargebacks and Payment Disputes
If you have a problem with an order, we encourage you to contact our customer service team first so we have an opportunity to review the issue.
Customers retain any rights available through their bank, card issuer, payment provider, or applicable law.
Where a payment dispute or chargeback is opened, we may provide relevant order, shipment, delivery, refund, and customer service records to the applicable payment provider where reasonably necessary to respond to the dispute.
16. Payment Security Responsibilities
Customers should take reasonable steps to protect their own payment and account information.
We recommend that customers:
- Use secure devices when placing orders
- Keep payment account passwords private
- Avoid entering payment information on suspicious or unofficial websites
- Confirm that they are using lagtjy.com before completing checkout
- Contact their payment provider promptly if suspicious activity is detected
lagtjy is not responsible for unauthorized use of payment credentials caused solely by circumstances outside our control, subject to any rights that cannot be excluded under applicable law.
17. Changes to This Policy
We may update this Payment & Security Policy if our checkout services, payment providers, business practices, or legal requirements change.
The latest version will be published on this page.
Changes will not remove rights already acquired in connection with a completed purchase where applicable law does not permit those rights to be removed.
18. Business & Customer Service Information
Store Brand: lagtjy
Website: lagtjy.com
Operating Entity:
Weishi County Tianyue Technology Co., Ltd.
Registered Address:
No. 55, Building A, Jinxing Xifu, 100 Meters East of the Intersection of Guangming Road and Zongqi Road, Weishi County, Kaifeng City, Henan Province, China
Customer Service Email:
service@lagtjy.com
For questions about payment status, refunds, duplicate transactions, or other payment-related order matters, please contact us using the email address above.