Payment Method
PAYMENT METHOD
H mart.co.uk. will take payment from you via its secure payment system at the eShop receives your order. In the event that Hmart.co.uk is unable to supply items, our eShop staffs inform you of this as soon as possible. A refund will be given if you already paid for the items.
Refunds for transactions made using a Credit or debit card may takeup to 7-10 working days including weekends and bank holidays.
We accept the following methods of payment:
* Hmart.co.uk accepts Visa, Visa debit, and credit cards as well as Master Cards bearing the MasterCard or Visa logo. We do not accept Personal Cheque, Cash, or any other payment method not listed above.
* Our Hmart.co.uk does not accept American Express Credit Cards.
* Your credit/debit card will be charged immediately once your order is submitted.
In case, we find that there is an out-of-stock item or a substitute item from the list of your purchased items during shipping process, the difference in amount will be credited or charged to the original purchasing credit/debit card account number. It usually takes up to 7-10 working days to process the refund request from the bank.
* We are committed to protecting your privacy. Hmart.co.uk will never sell or rent any of your personal information under any circumstances.
Online Payment System
‘Realex’ Payments is one of the secure payment providers in the payment processing market. Customer payment will be processed by ‘Realex’. Customer card details are entered over a secure server system. The payment information is encrypted before being processed. (Realex payment systems are fully accredited with level 1 PCI DSS compliance, keeping customer data secure is our number one priority.)
Consolidate Payment Process (Transaction Process)
Step 1: Shopping Website at Hmart / eShop
The customer enters their credit /Debit card details on a secure web page. The secure web page can be hosted on the merchant site or on a secure page hosted by Realex Payments.
Step 2: Acquiring Bank
Realex payments send the authorisation request to the Acquiring Bank.
Step 3: Card Schemes
The acquiring bank sends the transaction through the card schemes before proceeding to the issuing Bank.
Step 4: Issuing Bank
The transaction is authorised or declined and fraud checked at the issuing Bank
Step 5: Transaction Message
An authorised or declined message is displayed to the customer on the Hmart.co.uk website.
Step 6: Transaction Complete!
The whole transaction process from Steps 1 to 6 takes just 3-4 seconds to complete.
The ‘STRIPE’ Payments systems are certified by all major UK & Irish acquiring banks.