1. PURPOSE AND SCOPE OF APPLICATION

This Payment Policy (the “Policy”) sets out the accepted payment methods, the principles for processing transactions, and the refund methods when customers purchase goods and services on the website https://ve-de-di.com/ (the “Website”), which is owned and operated by Về Để Đi TNHH Về Để Đi (“Về Để Đi”).

The Policy applies to: (i) all customers transacting on the Website; and (ii) employees, departments, payment service providers, and related parties participating in processing, reconciling, or refunding Về Để Đi’s transactions, within their respective scope.

2. ACCEPTED PAYMENT METHODS

Customers may choose from the methods displayed at the payment step on the website.

If a method is described in the Policy but does not temporarily appear at the payment step, it means that the method is not available at the time of the transaction.

Về Để Đi does NOT accept cash payment.

Về Để Đi accepts various online payment methods, specifically:

• Payment apps supporting VNPAY-QR

VNPAY-QR is an online payment solution that allows customers to use the VNPAY-QR feature built into the VNPAY e-wallet app, banking apps, or other valid payment apps to scan the QR code displayed on the payment interface and complete confirmation of the service invoice payment transaction.

• E-wallets; other methods via VNPAY

The process is similar to the “Payment apps supporting VNPAY-QR” method. This method applies only when officially displayed at the payment step. Customers should log in and complete authentication on the relevant app.

• NAPAS domestic cards

Customers use a NAPAS domestic card for which the bank has activated the Internet Banking function and complete authentication as required by the bank to pay for the order.

• International payment cards (Visa, MasterCard, JCB, UnionPay, etc.)

The process is similar to the “NAPAS domestic cards” method. Note that an international payment card must be valid, enabled for online payment, and have sufficient limit and balance in accordance with the regulations of the relevant card issuer.

• APPLE PAY

Customers can also transact easily and securely with Apple Pay! Apple Pay requires customers to set up Apple Pay by adding a credit or debit card to the Wallet app on an iPhone, Apple Watch, or other compatible device.

Customers can view the Apple Pay setup instructions [https://support.apple.com/vi-vn/HT204506?previousPage=other%20articles]

Payment Processing Principles

1. a. Transactions are conducted in Vietnamese dong (VND)
2. b. Before ordering, the Website displays the goods, services, quantity, price, taxes, shipping fee, other costs, the total amount payable, and the payment method. Customers may review and correct information before confirming.
3. c. A transaction is considered successfully paid only when Về Để Đi receives valid confirmation from the payment gateway and the bank, and Về Để Đi’s system records the corresponding status.
4. d. Về Để Đi does not store OTPs, PINs, or CVVs. Card/account information is processed by the payment service provider, bank, or issuer within their respective scope.
5. e. The above payment gateways and e-wallets are operated by payment intermediary organizations licensed by the State Bank of Vietnam; Về Để Đi does not directly store customers’ card or bank account information.
6. f. Fees that banks or card issuers apply separately to the customer, if any, are governed by the agreement between the customer and that organization.

Unsuccessful, pending, duplicate, or incorrect-amount transactions

1. a. If a transaction is unsuccessful, the Customer may retry or choose another valid payment method. Please check your account balance movements before retrying to avoid duplicate debits.
2. b. If the Customer’s payment account has been debited but the Website system has not recorded a successful transaction, the Customer should contact Về Để Đi directly and provide full information, including: Order Number or Transaction Number, transaction time, amount, and payment method, together with relevant supporting documents.
3. c. Về Để Đi will review and reconcile transaction data. Where it is determined that the Customer was debited twice or that an amount discrepancy arose due to an error on the part of the payment system, Về Để Đi will refund the excess amount collected in accordance with Section 4.
4. d. Về Để Đi reserves the right to suspend the processing of a transaction and to require necessary and appropriate verification measures where there are reasonable grounds to suspect that the transaction is fraudulent, unlawful, or poses an information security risk.

4. REFUND POLICY

4.1. Refund Conditions

Về Để Đi will process a refund after the Customer’s request has been reviewed and confirmed as valid by the Customer Care department in accordance with Về Để Đi’s current Exchange and Return Regulations.

4.2. Refund Method

The refund is transferred back to the original payment method that the customer used, in accordance with the payment provider’s process.

If Về Để Đi is unable to refund through the Original Payment Method for any reason (including but not limited to where the Original Payment Method is no longer valid or cannot be used to receive funds), the Buyer acknowledges and agrees that (i) Về Để Đi may make the refund by issuing a Về Để Đi voucher (of a value equivalent to the refunded amount) within a timeframe determined by Về Để Đi, and (ii) once such vouchers have been issued, the Buyer will have no further rights or claims against Về Để Đi in relation to that refund.

4.3. Refund Processing Time

After a refund request is approved and Về Để Đi has received complete information or valid goods, Về Để Đi will execute the refund order on Mondays and Fridays of each week.

The actual time for the payment to be credited to the refund account depends on the processing procedures of the relevant bank, card issuer, or payment service provider. For payments made by card or Apple Pay, the total expected processing time ranges from 7 to 14 business days from the time Về Để Đi initiates the refund order.

If the expected period above has passed and the funds have not been received, the Customer should contact Về Để Đi to be given the refund reference code for reconciliation with the payment provider.

The above processing time does not include delays caused by the Customer providing incomplete information, the shipping time of returned goods, or the time needed to verify information that Về Để Đi has officially notified.

4.4. Refund Amount and Related Costs

Where an error arises due to the fault of Về Để Đi, the manufacturer, or the carrier, Về Để Đi will refund in full all relevant payments made by the customer.

Where the customer voluntarily requests to cancel an order or return/exchange goods not arising from Về Để Đi’s fault and the request is accepted by Về Để Đi, shipping and retrieval costs will be reasonably deducted by Về Để Đi based on the originally disclosed costs.

Về Để Đi undertakes not to deduct any fixed fee that has not been publicly listed or that does not accurately reflect the reasonable costs actually incurred.

All details regarding the refund amount, related deductions, and the specific basis of calculation will be officially notified to the customer before Về Để Đi carries out the refund procedure.

4.5. Reservation of Processing Rights

Về Để Đi reserves the right to refuse to resolve a request or to apply necessary additional verification measures where evidence is found of fraud, forged documents, unauthorized use of payment instruments, or deliberate abuse of Về Để Đi’s policies.

Về Để Đi will notify the customer of the reason for refusal and guide them through the complaint process, except where the provision of information is restricted under current law.

5. EFFECTIVENESS AND AMENDMENT OF THE POLICY

The Policy takes effect from the date it is published on the Website and forms an integral part of Về Để Đi’s Policies and transaction conditions publicly displayed on the Website. Về Để Đi has the right to amend and supplement this Policy to conform with current laws and with actual management and operational needs; any amendments (if any) will be publicly announced on the Website and take effect from the time of posting.

6. CONTACT INFORMATION

Should any questions, feedback, or complaints arise regarding this Policy, customers are kindly requested to contact Về Để Đi through the following channels:

• Về Để Đi: Về Để Đi TNHH Về Để Đi
• Enterprise code: 0111052003
• Website: https://ve-de-di.com/
• Telephone: +84 766 343 438
• Email: hello@ve-de-di.com
• Address: 4th Floor, No. 5B, Lane 55 Huỳnh Thúc Kháng, Láng Ward, Hanoi City, Vietnam