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Credit Card

When will my credit card be charged ?

If you pay using your credit card directly on our website, your credit card will be charged upon approval of the total order amount. Prior to approval, your order is in the "Verification" or "On Hold" stage, during which you will not be charged. After approval, your credit card will be charged and the order will enter the "Processing" stage.

If you use a third-party payment platform, e.g., PayPal, your credit card may be charged at order placement or another time.

Which credit cards do you honor?
We currently accept major international credit cards including Visa, MasterCard, American Express, and JCB. YesStyle guarantees that your online transaction will be secure and that your credit information will be protected. See our Privacy & Security Policy. All transactions are charged when the order is approved for processing and before it is shipped out. We guarantee that you will not be billed for any additional charges not associated with the order.
What currency will you use when charging my credit card?
All credit card transactions will be charged using the currency selected by the customer when placing the order.
Can I pay with someone else's credit card?
Yes. For security reasons, however, our Accounting Department may contact the rightful cardholder to verify the order and the identity of the cardholder. Please note that paying with someone else's credit card will lengthen your credit card verification process and you must receive prior consent from the rightful credit card owner.
What is CVC?

When paying via credit card, you are required to input your credit card's CVC number each time you place an order.

CVC (Card Verification Code) is an authentication procedure established by credit card companies to provide greater security for Internet transactions. Also known as CVV (Card Verification Value) or CSC (Card Security Code), this 3 or 4 digit code is different from the standard credit card number, and can be found on the front or back of the credit card depending on the type of card. By entering the code during online transactions, the card holder verifies that the card is currently in their possession, thereby reducing the risk of credit card fraud.

How does CVC work?
The CVC is generated by encrypting the credit card number and expiry date with an encryption key known only to the issuing bank. This number is not stored on a credit card's magnetic stripe, so it cannot be collected during normal offline purchases, and will not appear on any sales receipts or billing statements. As such, the only way to obtain the CVC number is to have the card in one's possession. After entering the CVC during an online transaction, the number is sent to the issuing bank to verify that the card number and CVC match. This validates that the credit card user had the actual physical credit card in hand when they placed the order.
Where can I find the CVC number?
On a Visa or MasterCard, the CVC is a three-digit number located on the back of the card, usually in the signature stripe or to the right of it. On some cards, the CVC number will be printed on the back of the card after a full reprinting of the credit card number, or the last four digits of the credit card number. On an American Express card, the CVC (called the CID on American Express) is a four-digit code located on the front of the card, usually printed (and not embossed) to the right of the credit card number. Please note the CVC number is a different number than your standard credit card number.
Will my CVC number be stored with my credit card profile?
No. For your own security, YesStyle will not save your CVC number in your credit card profile.
Besides the CVC, what other security measures does YesStyle take when I place an order?
To provide a safe online shopping experience and protect customers from unauthorized credit card use, YesAsia/YesStyle works with CyberSource to check transactions for fraudulent activity. CyberSource is one of the leading fraud prevention companies in the e-commerce industry with over 20 years of experience.
What is your credit card verification procedure?
Most credit card verifications are done automatically online by our payment gateway. We understand, however, that providing maximum protection to our customers is essential. Thus, if we are unable to verify credit card details, we may ask the customer to settle payment using an alternative method (e.g., PayPal). This process is not required for every transaction and is in place to minimize the possibility of unauthorized usage of your credit card. During the credit card verification process, your "My Account" order status will be displayed as “Verifying”. The verification usually takes 1 – 2 business days, though it can take longer if our Accounting Department requires additional information.
Can I change my payment method after I've placed an order?

After your order has been placed, you may still change from using a credit card to a non-credit card payment method, as long as your order has not been approved for processing and your credit card has not yet been charged.

For example, you may change your payment method from credit card to PayPal, direct deposit, or check payment. However, you may not change your payment method from PayPal to credit card. To change your payment method, please contact Customer Service before your order has been approved.

If your order has been approved and your credit card has been charged, your request to change payment methods cannot be processed.

How are refunds handled?

All credit card transactions are charged upon order approval. Anyamount owed for cancelled items will be refunded via the original payment method once the order has been fully shipped. It usually takes us between 5-7 business days to process refunds. The actual refund to your credit card will usually take 7-14 days, or even longerdepending on the credit card used and your bank's policies. YesStyle is not responsible for any additional bank transaction fees or differences in the refund amount due to fluctuating exchange rates.

For returns, a refund will be given in accordance with our return policy. We offer size exchanges for incorrectly-sized items and replacements for defective products. Please refer to our return and exchange policies for more information.

I placed an order using store credit, and used enough store credit to cover my order. I was asked to provide my credit card information as an additional payment method, but then found that my credit card was billed for an additional US$2 (or equivalent amount in other currencies). Why did that happen?
The US$ 2 (or equivalent amount in other currencies) that you refer to represents an authorization or "pending" amount and is required by our third-party payment gateway to process your order. This authorization is not an actual transaction and will not be billed to your credit card. It should be removed from your credit card statement within several business days, depending on your credit card issuing bank's policies and procedures.
My credit card statement lists an additional fee relating to my transaction with YesStyle. Why did this happen?
YesStyle is located in Hong Kong and uses an international payment gateway for its credit card transactions. Some banks or credit card companies will charge transaction fees for international purchases, which will be reflected on your credit card statement as an extra charge. Please confirm with your bank or credit card company for details of their foreign transaction fees.
I have changed my shipping method to one that requires higher shipping fees. How will my credit card be charged for this?
Additional shipping or handling fees will be charged to your credit card when you change your shipping method. However, the amount may be reflected on your credit card only a few days later depending on yourbank's policies. Please note that these additional fees will be reflected as a separate amount on your credit card bill than your original order payment.
Can I use more than 1 credit card for my order?

No, we only allow usage of one credit card when checking out. Also, if you are paying additional fees (e.g., if you change your shipping method and must pay extra), we must charge the same credit card that you used when you originally placed your order.

When placing separate orders, you are free to use a different credit card.

Do you accept debit cards and if so, how are charges handled?
Some debit cards are accepted by our payment processor depending on your issuing bank. If your debit card is accepted, we will handle billing and refunds the same way as do with credit cards. As we cannot identify which debit cards will be accepted prior to placing an order, we recommend that you try to place an order with your debit card. If the order goes through, then our payment processor accepts your debit card. If the order is not accepted then we suggest you use a different card or payment method.
If I add items to my order, how will my credit card be charged for the extra amount?
If you wish to order additional items, you should place a new order. We will only replace cancelled items on your current order, and the replacement items must be of equal or lesser value to the cancelled items. Any owed amount will be refunded once your order has been shipped.
Why is the charge on my credit card statement attributed to different company and not YesStyle?
The billing name for YesStyle purchases on your credit card statement is usually YESSTYLE. However, in some cases the transaction may be controlled by your credit card company and, depending on their policies, a different name may be listed (e.g., “CKO Withreach.com" or "Withreach.com”).

If you are concerned about the company name listed on your credit card statement, it is best to check with YesStyle or your bank.

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