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Payment Methods & FAQs 

1. What payment methods do you currently accept?

Credit Card (Visa/Master/JCB Card) MoneyGram and Western Union.

We currently accept Credit Card( Visa/Master/JCB Card ), support SSL encryption, so you can rest safe in the knowledge that your banking details are being transferred safely and securely. 

2. Payment Frequently Asked Questions

(1)  I'm worried about using my debit or credit  card to pay online, is it safe?Our payment gateways offer the best in SSL encryption and process hundreds of thousands of transactions daily, so you can rest safe in the knowledge that your banking details are being transferred safely and securely.

Please note, your card details are handled solely by either of these sites. At no point do we at tophandbagsuk keep your card data on file.

In the unlikely event of any problems, both sites offer fantastic customer support and will do everything in their power to help you resolve any complications. We will also help in any way we can.

(2)   I don't have a PayPal account and I do not wish to make one, can I pay some other way?Good news, it's not necessary to register an account on either of these sites. PayPal offers a completely secure payment without having to log in.

(3)  Where do I send my payment to?Payment should be made during checkout. However, if there are any problems getting your payment to us, please use the contact forms provided to get in touch, we'll do our best to help you.

(4)  Can I pay by cash or by cheque/check?Unfortunately not. We do not accept payment by either method. Also, it is extremely unsafe to send cash through the postal system and therefore we do not recommend it.

(5)  Can I pay by bank transfer or Western Union?Please get in touch with us if you wish to pay via banks transfer or Western Union. We do allow it in most cases, but please note that sometimes there are fees for transferring money into foreign bank accounts, so please be aware you must pay these. Besides, with PayPal you can use your bank acount to get some money on your PayPal Account.

(6)  Do I have to pay for delivery? And if so, how do I pay?The prices you see on the products do not include delivery costs. However, we offer free shipping on all orders. Please see our relevant website pages for further information.

We also offer a different number of shipping options including express delivery, the cost of which will be calculated and charged at checkout.

(7)  How is sales tax and/or VAT paid?All the jewelry prices you see on *****.com already include such taxes and the final price you pay at checkout will be final.

However, please be aware that some countries may charge a customs import duty tax that you may have to pay, please check with your local customs office for further information.

Possible reasons for payment declined:

About of Guests

1. Guests did not correctly fill out payment information
2. Issuing bank does not support online shopping
3. Guest card balance is not enough
4. Guests have an adverse payment records which did not pass the VISA Card, Master Card & JBC Card filtration system (non-payment, document deception etc.)


About of Bank

1.Bank Declined Transaction(Declined)
2.Unable to be determined(Referred)
3.Insufficient Funds(Insufficient Funds)
4.Unable to be determined(Transaction was blocked by the Payment Server because it did not pass all fraud checks.)
5.3D Secure Authentication failed(The card holder was not authorised. This is used in 3-D Secure Authentication.)
6.Card Security Code Failed(Declined because CSC failed)
7.Transaction Blocked
8.Transaction Declined - Contact Issuing Bank

Should you want more detains on declined reasons, you can send TR ticket to head office to check the reason.

1. Customers IP country not match selected country
2. Customers IP country in block list
3. Customers IP mismatch
4. Fraud card holder
5. Fraud card number
6. Customers browser language in block list
7. Fraud email
8. Fraud IP

1. Customers IP country not match selected country
2. Customers IP country in block list
3. Customers IP mismatch
4. Fraud card holder
5. Fraud card number
6. Customers browser language in block list
7. Fraud email
8. Fraud IP

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