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Payment Policy

Last Updated: [28 September 2025]

This Payment Policy outlines the terms and conditions governing all payments made on xinkahlan.com, owned and operated by Xin Kah Lan Enterprise ("we," "us," "our"). By placing an order on our Site, you agree to the terms of this policy.

1. Accepted Payment Methods

We accept the following secure payment methods for your convenience:

  • Credit/Debit Cards: Visa, Mastercard.

  • Online Banking / FPX: Direct online transfers via major banks in Malaysia.

  • E-Wallets: Touch 'n Go eWallet, GrabPay, Boost

2. Payment Security

The security of your financial information is our top priority.

  • All direct payment gateways offered on our Site adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, and American Express.

  • PCI-DSS requirements help ensure the secure handling of credit card information by our store and its service providers.

  • Your payment details are encrypted and transmitted securely without being stored on our servers.

3. Currency

All transactions on xinkahlan.com are processed in Malaysian Ringgit (MYR). If you are paying from abroad using a credit card, your bank may apply currency conversion fees. We are not responsible for these additional charges.

4. Order Confirmation & Payment Verification

  • After you place an order, you will receive an automatic Order Confirmation email. This email acknowledges that we have received your order request but does not mean your payment has been confirmed or your order has been accepted.

  • Your order will only be processed and considered confirmed once your payment has been authorized and verified by our payment gateway or our finance team (for bank transfers).

  • In the rare event that we are unable to verify your payment, suspect fraud, or are unable to fulfill your order, we will notify you by email and provide a full refund if payment was collected.

5. Billing Errors & Incorrect Information

You are responsible for providing accurate billing and account information. In the event of an error, please contact us immediately at admin@xinkahlan.com

  • We reserve the right to cancel any order if we suspect fraudulent payment information or a billing error.

  • If a transaction is flagged for review, we may contact you to request additional information to verify your identity and payment method.

6. Failed & Declined Payments

If your payment fails or is declined:

  • Your order will not be processed.

  • You will receive a notification (usually from your bank or our payment gateway) regarding the decline.

  • You may attempt to place the order again using the same or a different payment method.

  • Common reasons for declined payments include insufficient funds, incorrect card details, or your bank flagging the transaction as suspicious.

7. Refunds

  • All refunds will be issued to the original payment method used for the purchase.

  • The time it takes for the refund to be credited to your account depends on your bank or payment provider's processing time, but it typically takes 5 to 14 business days.

  • For more details, please refer to our Returns & Refunds Policy.

8. Pricing and Taxes

  • All prices listed on the Site are in MYR and are inclusive of the prevailing Sales and Service Tax (SST), where applicable.

  • We reserve the right to correct any pricing errors that may occur due to system glitches or manual errors. If such an error is discovered after you have placed an order, we will notify you and offer you the option to confirm your order at the correct price or cancel it for a full refund.

9. Contact Us

If you have any questions about your payment or this policy, please contact our customer service team:

Xin Kah Lan Enterprise [ 202503261163 | NS0313960-W ]