Billing and Payments

We accept Visa, MasterCard, American Express and PayPal payments. Most pre-paid credit and gift cards from Visa, MasterCard, American Express, are also accepted. 

International Payments

We accept orders from almost anywhere in the world. All payments must be made in Hong Kong dollars, and your credit card company will convert your currency to Hong Kong dollars at the time of purchase using the current currency exchange rate. We do not control exchange rates, nor do we control any foreign transaction fees that your card issuing bank may charge.

PayPal Billing Agreements

We require the use of a PayPal Billing Agreement to pay with PayPal. By using a PayPal Billing Agreement you are pre-authorizing us to charge your PayPal account for purchases. This has several advantages:

• Once created you do not have to log in to PayPal every time you want to place an order with Cactechs Co. Ltd.
• We can process your payments more quickly, getting your orders to you that much faster.
• You can use PayPal to pay for all of your pre-orders.
• A Billing Agreement can be canceled at any time.

PayPal e-check

In normal circumstances, we do not require any processing time for the payment to go through. However, using Paypal e-check may require 7 business days to finish the payment process. Therefore, we do not recommend using Paypal e-check.

Store Credit

You may receive our store credit code(s) for some reasons and the code(s) will only be offered by our customer service department. Our store credit does not have an expiration date, customers can freely opt to save the store credit and use the store credit at their own demand. 

Declined Payment

If the payment is declined, you may need to contact your credit card company or bank to resolve the problem. The most common reasons for a declined payment are:

• A credit card company needs authorization prior to completing the transaction.
• You have reached the daily withdrawal or purchase limit.
• There are not enough funds in the account.

Credit Card Security

We work diligently to protect your data and keep it confidential. To ensure the utmost security, our servers never store or transmit any credit card data. When you enter a credit card on our website, it is encrypted and sent directly from your browser to our payment processor, which then sends us a token that we reference for future transactions. The token is meaningless to any outside party. We partner with a large, well-respected payment processor which is fully PCI compliant. At no time does any employee of  Cactechs Co. Ltd have access to your full credit card details. Details we do store, such as the credit card's last 4 digits, are encrypted and protected with industry standards.