Payment Methods

Effective Date: July 18, 2026

At Ruziyi, we strive to provide a secure, simple, and reliable checkout experience. This Payment Methods Policy explains the payment options currently accepted on our website, how payments are processed, and important information regarding payment authorization and transaction security.

By placing an order through our website, you agree to the payment terms described in this policy.

Accepted Payment Methods

Ruziyi currently accepts the following payment methods, subject to availability at checkout:

The payment methods available for a particular order may depend on the customer's location, device, browser, payment provider, order amount, and other checkout conditions.

Only payment methods displayed and available during checkout can be used to complete a purchase.

Credit and Debit Cards

Ruziyi accepts major credit and debit card networks supported by our payment processing system, including:

• Visa
• Mastercard
• American Express (Amex)
• Discover
• Diners Club
• JCB
• UnionPay
• Elo

When paying by card, customers may be asked to provide the cardholder name, card number, expiration date, security code, billing address, and other information required to authorize the transaction.

Card payments are submitted securely through the applicable payment processor. Ruziyi does not intentionally store complete payment card information on its own servers.

PayPal

PayPal provides customers with a secure and convenient way to complete purchases online.

When PayPal is selected at checkout, customers may be redirected to the PayPal payment environment to authorize the transaction.

Depending on the customer's PayPal account and available funding sources, PayPal may allow payment using:

• PayPal balance
• Linked bank account
• Eligible debit card
• Eligible credit card
• Other payment options made available by PayPal

Payment authorization and processing are handled through PayPal's payment infrastructure and are subject to PayPal's applicable terms and security procedures.

Apple Pay

Apple Pay may be available to eligible customers using a supported Apple device, browser, and payment card.

When Apple Pay is selected, the customer can authorize the transaction using the Apple Pay payment interface and any applicable device authentication method.

Apple Pay processes payment credentials through Apple's payment technology and the applicable payment network. Ruziyi does not receive or store the customer's complete Apple Pay payment credentials.

Availability may vary depending on the customer's device, browser, region, card issuer, and other eligibility requirements.

Google Pay (G Pay)

Google Pay may be available to customers using a supported device, browser, account, and eligible payment card.

When Google Pay is selected at checkout, customers can authorize their purchase through the Google Pay payment interface.

Payment processing is handled through the applicable payment provider and payment network. Availability may vary based on the customer's location, device, browser, card issuer, and other eligibility requirements.

Shop Pay

Shop Pay may be available as an accelerated checkout option for eligible customers.

Shop Pay allows customers to use supported payment information associated with their Shop Pay account to complete purchases more conveniently.

The availability of Shop Pay and its features may depend on the customer's location, device, account status, and other eligibility requirements.

Venmo

Venmo may be available as a payment option for eligible customers.

When Venmo is selected during checkout, customers may be directed through the applicable Venmo authorization process to approve the transaction.

Payment processing through Venmo is subject to Venmo's applicable terms, availability requirements, and security procedures.

Payment Authorization

All transactions are subject to payment authorization and verification before an order enters processing.

A payment may be declined or require additional verification for reasons including:

• Insufficient available funds
• Incorrect payment information
• Incorrect billing information
• Payment account restrictions
• Security or fraud-prevention checks
• Transaction limits established by the payment provider
• Card issuer authorization requirements
• Payment provider verification requirements
• Temporary technical or network issues

If a payment cannot be successfully authorized, Ruziyi may be unable to process or ship the order until successful payment has been received.

Currency

Orders are processed in the currency displayed during checkout.

If the customer's bank, card issuer, or payment provider uses a different currency, the applicable exchange rate and any currency conversion fees are determined by that financial institution or payment provider.

Ruziyi does not control exchange rates or additional conversion charges imposed by banks, card issuers, or payment service providers.

Payment Security

Protecting customer payment information is an important priority for Ruziyi.

Payment transactions are processed through payment providers and payment networks that use security measures designed to protect transaction information during transmission and processing.

Ruziyi does not store complete payment card numbers or complete payment credentials on its own servers.

Payment information may be processed directly by the applicable payment processor, card network, digital wallet provider, or payment service according to its own security standards, privacy practices, and applicable terms.

Order Confirmation

After a payment has been successfully completed and the order has been accepted for processing, customers will receive an order confirmation email.

The confirmation may include:

• Order number
• Items purchased
• Purchase summary
• Payment confirmation
• Billing information
• Shipping information, when applicable
• Order total

If you do not receive an order confirmation after completing your purchase, please check your spam or junk email folder first. If the confirmation cannot be located, please contact our customer support team.

Failed Payments

A payment may occasionally fail to complete.

Common reasons include:

• Payment authorization failure
• Incorrect card or billing information
• Payment provider security review
• Account restrictions
• Transaction limits
• Temporary network or technical interruption
• Additional verification requirements

If a payment fails, the order will not be considered successfully paid until the payment has been successfully authorized and received.

Customers should verify their payment information or contact their payment provider if a transaction continues to fail.

Duplicate Charges

If you believe that you have been charged more than once for the same order, please contact Ruziyi customer support promptly.

We will review the relevant order and payment information and, when appropriate, work with the applicable payment provider to investigate the transaction.

Refunds

Approved refunds are generally issued to the original payment method used for the purchase whenever possible.

Once Ruziyi processes a refund, additional processing time may be required by the customer's bank, card issuer, PayPal, Venmo, or other payment provider before the refunded funds appear in the customer's account.

Payment Verification

To help protect customers and prevent unauthorized transactions, certain orders may be subject to additional payment verification.

If additional verification is required, Ruziyi may contact the customer using the contact information provided with the order.

If the required verification cannot be completed, Ruziyi may cancel or decline the order.

Taxes

Applicable taxes, when required, are calculated and displayed during checkout before the customer completes payment.

The final amount displayed at checkout represents the amount authorized for the transaction, subject to any applicable payment-provider requirements.

Payment Disputes

If you experience a payment-related issue, we encourage you to contact Ruziyi customer support before initiating a payment dispute whenever possible.

Our team will review the order information, payment status, and available transaction details and will work with the applicable payment provider when necessary to help resolve the issue.

Changes to Accepted Payment Methods

Ruziyi may add, remove, suspend, or modify available payment methods at any time.

Payment availability may also change based on payment provider requirements, customer location, device, browser, order details, or other checkout conditions.

The most current payment options available for an order will always be displayed during checkout.

Contact Us

If you have questions regarding payment methods, billing, payment authorization, refunds, or completed transactions, please contact us.

Ruziyi
Email: support@ruziyi.com

Support Hours:
Monday – Saturday
8:00 AM – 7:00 PM (EST)