PAYMENT POLICY

Effective Date: August 4, 2026

We appreciate your order with ZajCi. This Payment Policy explains how transactions are handled when you buy from https://zjjcj.com. Please read it together with our Terms of Service, Shipping Policy, Returns and Cancellation Policy, Refund Policy, Privacy Policy, FAQ, and Contact Us page.

This Payment Policy is issued by Qingdao Jiageda Supply Chain Co., Ltd., the legal entity behind the ZajCi brand and the zjjcj.com website.

1. Payment Options We Accept

Oceanpayment(Direct) handles our payment processing. At checkout, the methods that may be available include Visa, Mastercard, American Express, Discover, and any other choices Oceanpayment(Direct) makes available at that time.

The exact options shown to you depend on your billing country or region, delivery destination, currency, card type, device, and Oceanpayment(Direct)’s availability. Only the payment methods displayed at checkout may be used for that order. We cannot accept payment methods that are not shown at checkout.

2. Payment Handling and Costs

Payments are processed securely by Oceanpayment(Direct). According to our payment settings, Oceanpayment(Direct) applies a 2% transaction fee, and card processing rates are determined by Oceanpayment(Direct).

These are processing costs connected with our use of Oceanpayment(Direct). Unless a separate fee is clearly displayed at checkout before you confirm payment, these processing costs are not added as an extra charge to your order total.

All prices appear in United States dollars (USD) unless stated otherwise. Shipping fees, taxes, duties, and any other applicable charges will be shown at checkout where available. International orders may also be subject to customs duties, import taxes, brokerage fees, or other destination charges. Unless clearly stated otherwise at checkout, these charges are the recipient’s responsibility. Please see our Shipping Policy for more information.

3. Currency Conversion and Bank Fees

If your card or payment account uses a different currency, your bank or payment provider may apply currency conversion fees, foreign transaction fees, or other charges. ZajCi does not control these charges and cannot refund them. The final amount charged to you may vary based on your payment provider’s exchange rate and fees.

4. Authorization and Charges

When you place an order, you authorize Oceanpayment(Direct) to charge your selected payment method for the order total shown at checkout. Depending on the payment method and provider, payment may be captured immediately or after order review.

Submitting an order does not automatically mean that we have accepted it. We may review, limit, or cancel an order for legitimate reasons, including:

• product unavailability;

• pricing, description, or availability errors;

• payment or authorization problems;

• suspected fraud or unauthorized activity;

• delivery restrictions;

• unusually large or duplicate orders; or

• orders that appear intended for unauthorized resale.

If we cancel an order after payment has been collected, we will refund the applicable amount to the original payment method.

5. Payment Security

We take payment security seriously. Payment card details are processed by Oceanpayment(Direct) and its payment partners. We generally do not store complete payment-card numbers or card security codes.

We may receive limited payment-related information, such as payment status, transaction ID, payment method, and the last few digits of your card, so that we can manage your order, provide customer support, prevent fraud, and process refunds. Please see our Privacy Policy for more information about how we collect, use, and protect your personal information.

6. Failed, Declined, or Pending Payments

If your payment is declined, fails, remains pending, or requires additional verification, your order may not be processed until the issue is resolved. You may need to retry payment, use another payment method, or contact your bank or payment provider.

If you believe a payment was taken but your order was not confirmed, please contact us with your order number and the email address used to place the order. We will check the payment status with Oceanpayment(Direct) and help as quickly as possible.

7. Order Changes and Cancellations

If you need to change or cancel your order, please contact our customer service team as soon as possible at service@zjjcj.com, and include your order number.

We will make reasonable efforts to accommodate your request. However, once an order has entered processing, production, or shipment, we cannot guarantee that changes or cancellations can be made. If cancellation is approved before processing, production, or shipment has started, we will normally refund the eligible amount to your original payment method.

Please also see our Returns and Cancellation Policy for more information.

8. Refunds

Approved refunds are processed under our Refund Policy and will normally be issued to your original payment method.

Approved refunds will normally be issued within 5–10 business days after approval. Your bank, card issuer, or payment provider may take additional time to reflect the refund in your account.

Original shipping fees are refundable only if the return is due to our error, such as a wrong, damaged, defective, or incomplete item, or where otherwise required by law. For change-of-mind returns, original shipping costs are non-refundable. Customs duties, import taxes, brokerage fees, or other charges imposed by government authorities, carriers, or third parties are not refundable by ZajCi.

Please see our Refund Policy for full details on refund eligibility, amount, method, and timing.

9. Chargebacks and Payment Disputes

If you have a problem with a payment or order, please contact us first so we can try to resolve it quickly. We are happy to help with order status, refunds, returns, or payment questions.

If you initiate a chargeback or payment dispute, we may need to provide relevant order and payment information to Oceanpayment(Direct), the bank, or the payment provider as part of the dispute process.

10. Changes to This Policy

We may update this Payment Policy from time to time to reflect changes in our payment methods, service providers, business practices, or legal requirements. The revised version will be posted on this page with a new effective date. Changes will apply prospectively unless otherwise required by law.

11. Contact and Company Information

If you have any questions about payments, please contact us. When contacting us about an existing order, please include your order number and the email address used to place the order.

Customer Service Email:
service@zjjcj.com

Store Website:
zjjcj.com

Customer Service Hours:
Monday–Friday, 9:30 AM–12:00 PM and 2:00 PM–6:30 PM.
If the phone line is busy, please contact us by email or through the store backend. We will reply as soon as possible.

Brand:
ZajCi

Store Operator / Legal Entity:
Qingdao Jiageda Supply Chain Co., Ltd.

Unified Social Credit Code:
91370214MAKB8JPC6Y

Registered Address:
Room 612, Building 2, No. 6 Changcheng South Road, Chengyang District, Qingdao City, Shandong Province
Country: China

Current Return Warehouse Address:
Attn: Return Authorization 43-XNP-2
Warehouse: Logisteed – Suite 209
2150 195th Street
Torrance, CA 90501
United States

For return-related issues, please do not send returns to our registered business address unless instructed by our team. Always contact us first for return instructions, and we will provide the latest return warehouse address.

ZajCi is operated by Qingdao Jiageda Supply Chain Co., Ltd., which is responsible for the operation of the online store zjjcj.com, order processing, customer service, and related ecommerce activities.