PAYMENT POLICY
1. Currency
All prices displayed on VATICO Singapore are listed and charged in Singapore Dollars (SGD) unless otherwise stated.
Customers are responsible for any bank charges, foreign transaction fees, or currency conversion fees imposed by their financial institution.
2. Accepted Payment Methods
We currently accept the following payment methods:
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Visa
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Mastercard
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American Express (AMEX)
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Apple Pay
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Google Pay
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Stripe-supported payment methods
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PayNow (for eligible customers in Singapore)
Additional payment methods may be introduced, modified, or discontinued without prior notice.
3. Payment Authorization
All payments are subject to authorization, verification, and fraud screening by the payment processor and the customer’s financial institution.
If a payment cannot be successfully authorized, the order will not be processed and no charges will be applied.
VATICO reserves the right to cancel, reject, or hold any order if payment verification cannot be completed or if fraudulent, suspicious, or unauthorized activity is suspected.
4. Order Confirmation
An order is considered confirmed only after successful payment authorization and issuance of an official order confirmation by VATICO Singapore.
Receipt of payment alone does not guarantee order acceptance.
VATICO reserves the right to cancel orders due to pricing errors, inventory shortages, operational issues, suspected fraud, or circumstances beyond its reasonable control.
If an order cannot be fulfilled, the customer will be notified and any eligible refund will be processed in accordance with this Payment Policy.
5. Refund Policy
Refund requests are subject to review, verification, and approval by VATICO.
No refund will be issued until a formal resolution process has been completed.
Depending on the nature of the request, the resolution process may include:
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Verification of customer information
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Verification of payment information
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Product inspection
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Return and receipt of the product
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Technical assessment
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Warranty evaluation
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Investigation of delivery issues
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Review of supporting documents
A refund is one possible resolution, but not the only resolution available.
VATICO reserves the right, at its sole discretion and subject to applicable consumer protection laws, to determine whether repair, replacement, equivalent replacement, store credit, partial refund, or full refund constitutes the appropriate resolution for any claim.
6. Warranty-Related Refunds
Submission of a warranty claim does not automatically entitle a customer to a replacement, exchange, or refund.
All warranty claims must undergo inspection and evaluation in accordance with VATICO’s Warranty Policy before any resolution is determined.
Possible resolutions may include:
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Product repair
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Component replacement
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Product replacement
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Equivalent replacement product
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Store credit
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Partial refund
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Full refund (where applicable)
If a replacement product is unavailable and VATICO determines that a refund is the most appropriate resolution, the refund will only be processed after completion of the warranty assessment and approval process.
7. Returned Products
Where a return is required for inspection, warranty assessment, or refund evaluation, customers must comply with VATICO’s Warranty Policy and any instructions provided by Customer Support.
Products returned without prior authorization may be refused.
Refund eligibility will only be assessed after the returned product has been received and inspected.
Failure to return the requested product may result in rejection of the refund request.
8. Refund Processing Time
Once approved, refunds will be processed to the original payment method whenever possible.
Approved refunds typically require between thirty (30) and forty-five (45) business days to appear in the customer’s account, depending on the policies and processing times of the payment provider, card issuer, bank, or financial institution.
VATICO is not responsible for delays caused by payment processors, banks, card networks, or financial institutions.
Customers are encouraged to review their account statements before submitting a refund inquiry.
9. Chargebacks & Payment Disputes
Customers are encouraged to contact VATICO directly before initiating a chargeback, payment dispute, or claim with a payment provider.
Where a chargeback or payment dispute is initiated while an active warranty claim, return request, or refund review is ongoing, VATICO reserves the right to suspend processing until the dispute has been resolved.
VATICO reserves the right to provide transaction records, order records, warranty records, customer communications, and other supporting documentation to financial institutions, payment processors, and dispute resolution authorities.
10. Fraud Prevention
To protect customers and prevent fraudulent transactions, VATICO may request additional identity verification, payment verification, or supporting documentation before processing certain orders.
Failure to provide requested information may result in order cancellation and payment reversal.
11. Customer Acknowledgement
Before placing an order, customers are encouraged to review:
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Shipping Policy
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Warranty Policy
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Payment Policy
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Privacy Policy
By completing a purchase, customers acknowledge that they have read and understood these policies and agree to the terms applicable to their order.
12. Contact Us
For questions regarding payments, billing, refunds, or transaction status, please contact:
