PAYMENT & SECURITY

At zoustack, we want customers to understand how payments are handled before completing an order.

This Payment & Security Policy explains the payment methods available on our store, transaction authorization, checkout security, payment failures, currency conversion, third-party payment providers, fraud prevention, refunds, and other payment-related matters.

zoustack is operated by Henan Wanshanghui Technology Co., Ltd.

By placing an order through zoustack, you agree to the payment-related terms described on this page together with our other applicable store policies.

Business Operating zoustack

Store Name:
zoustack

Operating Company:
Henan Wanshanghui Technology Co., Ltd.

Legal Representative:
He Jianfeng

Company Type:
Limited Liability Company

Registered Address:
China, Henan Province, Zhengzhou City, Xinzheng City, Mengzhuang Town, Chenghouma Village, South Side of Yuanmeng Highway, Hengsheng Changtai Logistics Park, Comprehensive Building, 1st Floor, East Side, Room 01

Customer Service Email:
service@zoustack.com

Customer Service Phone:
+1 310-390-9543

Customer Service Hours:
9:00 AM – 6:00 PM Pacific Time

1. Payment Methods We Accept

zoustack currently accepts the following payment methods:

  • Visa
  • Mastercard
  • PayPal
  • Apple Pay
  • Google Pay

The payment methods available for a particular order may depend on factors including:

  • Customer location
  • Billing address
  • Currency
  • Device
  • Browser
  • Payment-provider eligibility
  • Technical availability
  • Checkout configuration

The payment options available for your individual order will be displayed during checkout before you complete payment.

The availability of a payment method for one customer does not necessarily mean that the same method will be available for all customers, countries, devices, or transactions.

2. When Payment Is Submitted

When you complete checkout, your selected payment method may be submitted for authorization, verification, or collection.

Depending on the payment method, your:

  • Bank
  • Card issuer
  • Digital wallet provider
  • Payment processor
  • Other financial service provider

may first authorize the transaction before funds are fully settled.

A successful payment authorization does not necessarily mean that the order has been finally accepted for fulfillment.

An order may still be subject to:

  • Product availability
  • Transaction review
  • Fraud-prevention checks
  • Address verification
  • Pricing accuracy
  • Other reasonable verification procedures

3. Payment Authorization and Order Acceptance

After an order is submitted, we may review the transaction before proceeding with fulfillment.

An order may be held, reviewed, rejected, or cancelled where reasonably necessary, including where:

  • Payment authorization is unsuccessful
  • Payment information cannot be verified
  • Billing information appears inconsistent
  • Unauthorized payment activity is suspected
  • Fraud-prevention systems flag the transaction
  • Additional verification is reasonably required
  • The ordered product is unavailable
  • An obvious pricing or technical error has occurred
  • The order cannot be fulfilled for another legitimate reason

If payment has already been successfully collected and the order is later cancelled by us, any applicable refund will be handled in accordance with our refund procedures and applicable law.

4. Checkout Security

zoustack uses established e-commerce infrastructure and third-party payment services to support customer transactions.

Payment transactions may be processed directly by independent payment providers.

Those providers may collect, transmit, store, or process payment information according to their own:

  • Terms of service
  • Security standards
  • Privacy policies
  • Authentication procedures
  • Fraud-prevention systems
  • Legal obligations

We use reasonable technical and organizational measures intended to help protect information used in connection with checkout and transactions.

However, no method of electronic transmission, payment processing, network communication, or electronic storage can be guaranteed to be completely secure.

5. Protecting Your Payment Information

For ordinary customer service purposes, zoustack does not require customers to email complete card or banking credentials.

Never send the following information to our customer service email:

  • Full credit card number
  • Full debit card number
  • CVV or CVC security code
  • Online banking password
  • Payment-account password
  • One-time verification code
  • Complete banking login credentials
  • Other highly sensitive payment information

If you need assistance with an order, please provide your order number and other appropriate non-sensitive order details instead.

6. Payment Confirmation

After successful checkout, an order confirmation will normally be sent using the contact information provided during checkout.

Please review the confirmation carefully.

If you believe payment was completed but you did not receive an order confirmation, contact:

service@zoustack.com

Please provide enough non-sensitive information for us to identify the transaction, such as:

  • Your name
  • Email address used during checkout
  • Approximate order date or time
  • Order amount where helpful
  • Order number, if available

Do not send complete payment-card information by email.

7. Failed or Declined Payments

A transaction may fail or be declined for reasons that may be outside zoustack's direct control.

Possible causes include:

  • Incorrect card information
  • Incorrect billing information
  • Expired payment method
  • Insufficient available funds
  • Billing address mismatch
  • Bank security restrictions
  • International transaction restrictions
  • Payment-provider limitations
  • Fraud-prevention screening
  • Authentication failure
  • Temporary technical problems

If payment is declined, first check that the information entered during checkout is accurate.

If the issue continues, please contact your:

  • Bank
  • Card issuer
  • PayPal
  • Digital wallet provider
  • Payment service provider

zoustack generally cannot override a payment decision made by an independent financial institution or payment provider.

8. Currency Display

The currency applicable to your purchase will be displayed during checkout.

Before completing payment, customers should review:

  • Displayed currency
  • Product prices
  • Discounts
  • Shipping charges
  • Taxes where applicable
  • Final order total

If the payment account you use operates in a different currency, your bank or payment provider may convert the transaction into another currency.

9. Currency Conversion

Where currency conversion is required, the exchange rate may be determined by:

  • Your bank
  • Card issuer
  • Digital wallet provider
  • Payment processor
  • Other financial institution involved in the transaction

Exchange rates may change over time.

zoustack does not control exchange rates used by independent financial institutions and is not responsible for exchange-rate differences resulting solely from third-party currency conversion.

10. Bank and Payment-Provider Charges

Your financial institution or payment provider may impose charges in connection with a transaction.

Depending on your account and location, these may include:

  • Foreign transaction fees
  • Currency conversion fees
  • International transaction fees
  • Bank processing fees
  • Other financial institution charges

Unless expressly shown as a charge collected by zoustack during checkout, these third-party fees are not collected by us.

Questions regarding charges imposed by your bank or payment provider should be directed to that institution.

11. Third-Party Payment Services

Payments made through zoustack may involve independent:

  • Payment processors
  • Banks
  • Card networks
  • Card issuers
  • Digital wallet providers
  • Other financial service providers

When you use one of these services, payment information may be processed directly by that provider.

Their handling of information is governed by their own:

  • Terms
  • Privacy practices
  • Security measures
  • Processing procedures
  • Legal obligations

zoustack does not control the internal systems, policies, processing times, or independent decisions of third-party financial service providers.

12. Fraud Prevention and Transaction Review

To help protect customers and our business, some transactions may be reviewed for possible fraud or unauthorized activity.

Where reasonably necessary, the review may take into account information such as:

  • Billing address
  • Shipping address
  • Transaction amount
  • Transaction characteristics
  • Payment authorization status
  • Order history
  • Information provided by payment processors
  • Fraud-prevention indicators

In certain circumstances, we may request additional information reasonably necessary to verify an order.

We will not ask customers to email us:

  • A full payment-card number
  • CVV or CVC
  • Online banking password
  • One-time authentication code

13. Suspicious or Unauthorized Transactions

If you believe that a transaction associated with zoustack was made without your authorization, contact your bank or payment provider as soon as possible.

You may also contact our customer service team so that we can review the order information available to us.

Customer Service Email:
service@zoustack.com

Customer Service Phone:
+1 310-390-9543

We may require sufficient non-sensitive information to locate the relevant transaction.

Nothing in this section limits any rights that may be available under applicable law.

14. Pending Payment Authorizations

A pending transaction shown by your bank or payment provider does not always mean that a completed charge has been made.

In some circumstances, an authorization may appear temporarily before:

  • The transaction is finalized
  • The authorization is released
  • A completed payment is posted
  • The bank updates the account record

The timing of pending authorizations is generally controlled by the applicable bank or payment provider.

15. Duplicate Charges

If you believe you have been charged more than once for the same order, first check whether one of the transactions is still listed as pending.

You should then:

  1. Review your bank or payment-provider transaction history.
  2. Check whether one charge is only a temporary authorization.
  3. Contact your bank or payment provider if clarification is needed.
  4. Contact zoustack customer service if you still believe a duplicate payment occurred.

When contacting us, provide:

  • Order number
  • Approximate transaction date
  • Amount charged
  • Other relevant non-sensitive transaction information

Do not email complete card credentials.

16. Pricing and Checkout Errors

We make reasonable efforts to display accurate prices and totals.

However, technical, typographical, system, or checkout errors may occasionally occur.

If an obvious pricing error, calculation error, or technical error affects an order, we may review the transaction before fulfillment.

Where permitted by applicable law, we may:

  • Contact you regarding the error
  • Correct the affected information
  • Cancel the affected order
  • Issue an applicable refund where payment was already collected

Any approved refund will be processed through the appropriate payment method.

17. Discounts and Promotional Pricing

Discounts, promotional codes, and special offers are subject to the conditions shown with the applicable promotion.

Before completing payment, customers should confirm that any expected discount has been properly applied to the order total.

If a promotional code is not accepted, possible reasons may include:

  • The promotion has expired
  • The order does not meet eligibility requirements
  • The code applies only to certain products
  • The required order value has not been reached
  • The code cannot be combined with another promotion
  • The promotion has already been used where usage limits apply
  • Other stated promotional conditions have not been satisfied

The final amount shown before payment should be reviewed carefully before the order is submitted.

18. Refunds to Payment Methods

Refund eligibility is governed by our Return & Refund Policy.

Where a refund is approved, it will generally be returned to the original payment method used for the order unless another method is required by applicable circumstances or law.

Depending on the original transaction, this may include:

  • Visa
  • Mastercard
  • PayPal
  • Apple Pay
  • Google Pay

After a refund is issued by us, additional processing time may be required by:

  • Your bank
  • Card issuer
  • Payment provider
  • Payment network
  • Digital wallet provider

zoustack does not control the internal posting or settlement times of third-party financial institutions after a refund has been issued from our side.

19. Refund Processing Time

After a refund has been approved under our Return & Refund Policy, we aim to process the approved refund within approximately:

7 business days

This refers to the time required for zoustack to process the refund from our side.

Your bank, card issuer, PayPal, digital wallet provider, or other payment provider may require additional time before the refunded amount appears in your account.

20. Customer Payment Responsibilities

Before submitting an order, customers are responsible for reviewing the information shown during checkout.

This includes:

  • Products selected
  • Product variants
  • Quantities
  • Billing information
  • Shipping information
  • Currency
  • Discounts
  • Shipping fees
  • Taxes where applicable
  • Final payment amount

Customers should also ensure that:

  • The payment method belongs to them or is lawfully authorized for their use
  • Payment information is accurate
  • Billing details are correct
  • Sufficient funds or credit are available where required

Submitting false, unauthorized, or misleading payment information may result in an order being cancelled or reviewed.

21. Payment Data and Privacy

Payment-related personal information may be processed in accordance with our Privacy Policy.

Our Privacy Policy explains how personal information may be:

  • Collected
  • Used
  • Shared
  • Retained
  • Protected
  • Otherwise processed

Information processed directly by third-party payment providers may also be subject to those providers' own privacy policies and legal obligations.

22. Payment Security Responsibilities

Customers should take reasonable precautions when making online payments.

We recommend that customers:

  • Use secure devices and networks
  • Protect account credentials
  • Keep passwords confidential
  • Avoid sharing one-time authentication codes
  • Review payment confirmations
  • Monitor bank or payment-provider activity
  • Report suspicious activity promptly

zoustack will never require a customer to provide a full payment-card number, CVV, banking password, or one-time authentication code by ordinary customer service email.

23. Consumer Rights

Nothing in this Payment & Security Policy is intended to remove, reduce, waive, or exclude rights that cannot lawfully be excluded.

Depending on your location, applicable laws may provide additional protections regarding:

  • Unauthorized transactions
  • Payment disputes
  • Refunds
  • Billing errors
  • Fraud
  • Consumer transactions
  • Other protected payment matters

Where mandatory law provides greater protection than this policy, the applicable legal requirement will apply.

24. Changes to This Payment & Security Policy

We may revise this policy when reasonably necessary to reflect changes in:

  • Payment arrangements
  • Checkout technology
  • Payment-provider relationships
  • Security procedures
  • Business operations
  • Fraud-prevention practices
  • Refund procedures
  • Applicable legal requirements

The current version will be published on this page.

Where appropriate, the Last Updated date will also be revised.

25. Payment Questions and Customer Support

If you have a question about an order, payment, refund, or transaction associated with zoustack, please contact our customer service team.

Customer Service Email:
service@zoustack.com

Customer Service Phone:
+1 310-390-9543

Customer Service Hours:
9:00 AM – 6:00 PM Pacific Time

For payment-related inquiries, please include your order number whenever possible.

For matters controlled directly by your:

  • Bank
  • Card issuer
  • PayPal
  • Apple Pay
  • Google Pay
  • Other payment provider

including card authorization, banking restrictions, exchange rates, or bank-imposed fees, you may also need to contact that provider directly.

Business Operator

zoustack is operated by Henan Wanshanghui Technology Co., Ltd.

Store Name:
zoustack

Operating Company:
Henan Wanshanghui Technology Co., Ltd.

Legal Representative:
He Jianfeng

Company Type:
Limited Liability Company

Registered Address:
China, Henan Province, Zhengzhou City, Xinzheng City, Mengzhuang Town, Chenghouma Village, South Side of Yuanmeng Highway, Hengsheng Changtai Logistics Park, Comprehensive Building, 1st Floor, East Side, Room 01

Customer Service Email:
service@zoustack.com

Customer Service Phone:
+1 310-390-9543

Customer Service Hours:
9:00 AM – 6:00 PM Pacific Time

The company information above is provided so customers can clearly identify the business responsible for operating zoustack.

zoustack is operated by Henan Wanshanghui Technology Co., Ltd.