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      PAYMENT POLICY

      Payment Policy

      Last Updated: October 6, 2026

      These Payment Terms (“Payment Terms”) explain the payment, billing, pricing, refund, verification, and transaction conditions that apply when you purchase products from Sipida through https://sipida.com/.

      Sipida is an online retailer specializing in home furnishings and household products, including lighting, furniture, home hardware, rugs, textiles, bedding, home décor, storage and organization products, bathroom accessories, and other related household goods.

      Sipida is operated by Shenzhen Hedianer Qiliang Media Co., Ltd.

      By placing an order through our website, you agree to these Payment Terms together with our Terms of Service, Privacy Policy, Shipping Policy, and Returns & Refund Policy.

      If there is a conflict between these Payment Terms and another policy relating specifically to payment processing, the provision that most specifically applies to the transaction will govern, subject to applicable law.

      1. BUSINESS INFORMATION

      Brand:
      Sipida

      Website:
      https://sipida.com/

      Operator / Company Name:
      Shenzhen Hedianer Qiliang Media Co., Ltd.

      Company Address:
      Room 606, Shouchuang Business Building
      No. 5 Longhua Guangchang 3rd Road
      Fukang Community, Longhua Subdistrict
      Longhua District, Shenzhen, China

      Customer Service Email:
      service@sipida.com

      Telephone:
      +86 18079529776

      Business:
      Online retail of home furnishings and household products, including lighting, furniture, home hardware, rugs, textiles, bedding, home décor, storage and organization products, bathroom accessories, and related household goods.

      2. ACCEPTED PAYMENT METHODS

      Sipida accepts the payment methods displayed as available during checkout.

      Available payment methods may vary depending on factors such as:

      • Customer location;

      • Device or browser;

      • Order value;

      • Payment provider;

      • Currency;

      • Risk screening;

      • Checkout configuration.

      Only payment methods displayed as available during checkout may be used for the applicable transaction.

      The availability of a payment method for one transaction does not guarantee that the same payment method will be available for future transactions.

      If a payment method is not displayed during checkout, it is not currently available for that order.

      3. PAYMENT AUTHORIZATION

      By submitting an order and providing payment information, you represent and confirm that:

      • You are authorized to use the payment method provided;

      • The payment and billing information you provide is accurate, complete, and current;

      • You authorize Sipida and applicable third-party payment service providers to process the transaction; and

      • You agree to pay the total amount displayed before submitting your order.

      The total amount may include:

      • Product price;

      • Shipping charges;

      • Applicable sales tax;

      • Other applicable taxes;

      • Duties or import-related charges where disclosed; and

      • Other charges clearly disclosed before payment.

      Please review the final order total carefully before submitting payment.

      4. ORDER SUBMISSION AND PAYMENT DO NOT CONSTITUTE FINAL ACCEPTANCE

      Submitting an order and receiving a payment authorization do not necessarily mean that your order has been finally accepted.

      After you submit an order, several steps may still occur, including:

      • Payment authorization;

      • Fraud or security screening;

      • Product availability confirmation;

      • Address verification;

      • Order review;

      • Inventory allocation;

      • Fulfillment acceptance.

      You may receive an automated order confirmation email after submitting an order.

      That confirmation generally means that we have received your order request. It does not necessarily mean that:

      • Payment has been finally captured;

      • The order has been fully accepted;

      • Inventory has been finally allocated;

      • The product has entered fulfillment;

      • The product has shipped.

      We may cancel or reject an order where permitted by applicable law.

      If payment has already been captured and the order is later canceled by us, an applicable refund will generally be issued to the original payment method.

      5. PAYMENT PROCESSING

      Payments may be processed by third-party payment service providers.

      Depending on the payment method selected, payment information may be collected and processed directly by the applicable provider.

      Sipida generally does not directly store complete credit or debit card numbers or card security codes where those details are processed directly by our payment service providers.

      Third-party payment providers may process payment information according to their own:

      • Terms of service;

      • Privacy policies;

      • Security practices;

      • Fraud prevention procedures;

      • Eligibility requirements.

      Your use of a particular payment method may therefore also be subject to the terms of the applicable provider.

      6. CURRENCY

      Unless otherwise stated during checkout, prices intended for customers in the United States are generally displayed in U.S. Dollars (USD).

      The final currency and amount payable will be displayed during checkout before you submit your order.

      If your payment account is denominated in another currency, your bank, card issuer, or payment provider may perform a currency conversion.

      Your financial institution may charge:

      • Foreign transaction fees;

      • Currency conversion fees;

      • Bank charges;

      • Card issuer fees;

      • Other payment-related fees.

      These fees are determined by the applicable financial institution or payment provider and are not charged by Sipida unless expressly disclosed during checkout.

      7. WHEN PAYMENT MAY BE AUTHORIZED OR CAPTURED

      Depending on the payment method and payment provider, payment may be:

      • Authorized when you submit the order;

      • Captured immediately;

      • Captured after order review;

      • Captured when the order is accepted;

      • Captured before shipment.

      The timing of authorization and capture may vary by payment provider.

      A pending transaction or authorization does not necessarily mean that payment has been finally collected or that your order has been finally accepted.

      8. AUTHORIZATION HOLDS

      A bank or payment provider may place a temporary authorization hold on your account when you submit an order.

      An authorization hold may temporarily reduce your available balance even if payment has not yet been finally captured.

      If the transaction is canceled before capture, the hold may expire or be released automatically.

      The time required for an authorization hold to disappear is determined by your bank, card issuer, or payment provider.

      Sipida does not control the timing of a financial institution's release of an authorization hold.

      9. BILLING INFORMATION

      You are responsible for providing accurate and current billing information.

      This may include:

      • Full name;

      • Billing address;

      • Email address;

      • Telephone number;

      • Payment account information.

      We may request additional information where reasonably necessary to verify a transaction.

      Materially false, inaccurate, incomplete, or misleading payment information may result in:

      • Payment failure;

      • Order delay;

      • Additional verification;

      • Order cancellation.

      10. PAYMENT VERIFICATION AND FRAUD PREVENTION

      To protect customers, payment providers, and our business, we may use payment verification, fraud prevention, and transaction risk-screening tools.

      Transactions may be reviewed for signs of:

      • Unauthorized payment use;

      • Identity theft;

      • Fraud;

      • Account misuse;

      • Unusual purchasing activity;

      • Suspicious transaction patterns;

      • Inconsistencies between billing, shipping, or payment information.

      Where reasonably necessary, we may:

      • Temporarily hold an order;

      • Delay processing;

      • Request additional verification;

      • Contact the customer;

      • Reject or cancel a transaction.

      If additional verification is required, we may contact you using the email address or telephone number provided with your order.

      For your security, we will not ask you to send your full payment card number or card security code by ordinary email.

      11. HIGH-VALUE AND LARGE HOME FURNISHING ORDERS

      Certain Sipida products, including furniture, large lighting fixtures, oversized mirrors, rugs, or other high-value or bulky home products, may have higher transaction values than standard parcel orders.

      For certain higher-value transactions, we may perform additional payment or order verification where reasonably necessary.

      This may include verification of:

      • Billing information;

      • Shipping information;

      • Customer contact information;

      • Transaction authenticity;

      • Payment authorization;

      • Fraud risk indicators.

      Such verification is intended to help protect legitimate customers and reduce unauthorized transactions.

      Additional verification may delay normal processing time.

      12. PAYMENT FAILURE

      If payment is declined, rejected, or otherwise unsuccessful, the order may not be completed.

      Possible causes may include:

      • Insufficient funds;

      • Incorrect card or payment information;

      • Expired payment method;

      • Billing address mismatch;

      • Bank restrictions;

      • Card issuer restrictions;

      • Security controls;

      • Fraud prevention screening;

      • Payment provider errors;

      • Technical issues.

      If payment fails, you may try again using another payment method displayed during checkout.

      You may also need to contact your bank, card issuer, or payment provider for additional information.

      Sipida may not receive detailed information explaining why a financial institution declined a transaction.

      13. PRICING

      We make reasonable efforts to ensure that product prices displayed on our website are accurate.

      However, pricing errors may occasionally occur due to:

      • Technical problems;

      • Data-entry errors;

      • Incorrect promotional settings;

      • System synchronization issues;

      • Currency display errors;

      • Other unintended errors.

      If a product is displayed at an incorrect price, we may, where permitted by applicable law:

      • Correct the price;

      • Contact you before processing the order;

      • Cancel the affected item or order.

      We will not knowingly substitute a higher price after an order has been submitted without appropriate notice or authorization where required.

      If we cancel an order after payment has already been captured, an applicable refund will generally be issued to the original payment method.

      14. PRODUCT VARIATIONS AND PRICING

      Certain Sipida products may be offered in different:

      • Sizes;

      • Materials;

      • Finishes;

      • Colors;

      • Dimensions;

      • Configurations;

      • Quantities;

      • Styles.

      Different variations of the same product may have different prices.

      The price applicable to your purchase is the price displayed for the specific product variation selected during checkout.

      Please review product specifications and the final checkout amount carefully before submitting payment.

      15. TAXES

      Applicable sales taxes and other legally required taxes may be added during checkout.

      The amount of tax may depend on factors including:

      • Delivery address;

      • Applicable state or local law;

      • Product type;

      • Applicable tax rates;

      • Tax registration requirements.

      Taxes collected by us will be reflected during checkout where applicable.

      Tax rules may change, and applicable taxes are determined based on the circumstances of the transaction and applicable law.

      16. SHIPPING CHARGES

      Applicable shipping charges will be displayed during checkout before you submit your order.

      Shipping charges may depend on:

      • Delivery destination;

      • Shipping method;

      • Order value;

      • Product type;

      • Product dimensions;

      • Product weight;

      • Freight requirements;

      • Promotional offers.

      Large furniture, oversized lighting, large mirrors, rugs, or other bulky items may have different shipping costs from standard parcel products.

      Where free shipping or promotional shipping is offered, applicable conditions will be disclosed on the website or during checkout.

      Please review our Shipping Policy for additional information.

      17. CUSTOMS, DUTIES, AND IMPORT CHARGES

      Some Sipida products may be fulfilled internationally or transported across borders before final delivery.

      Where customs duties, import taxes, brokerage fees, tariffs, or similar government charges may apply, responsibility for those charges will depend on:

      • Terms disclosed during checkout;

      • Delivery destination;

      • Applicable law;

      • Applicable shipping or fulfillment arrangement.

      Where a mandatory charge is collected by Sipida at checkout, it will be reflected in the order total.

      We will not intentionally add undisclosed mandatory Sipida charges after you complete checkout.

      Charges imposed independently by customs authorities, carriers, governments, banks, or other third parties may be governed by their own rules.

      18. DISCOUNTS, PROMOTIONS, AND COUPONS

      Sipida may offer:

      • Promotional codes;

      • Coupons;

      • Sale pricing;

      • Quantity discounts;

      • Bundle discounts;

      • Limited-time offers;

      • Other promotional discounts.

      Unless otherwise stated:

      • Promotional codes have no cash value;

      • Offers may have expiration dates;

      • Certain products may be excluded;

      • Minimum purchase requirements may apply;

      • Geographic restrictions may apply;

      • Promotions may not be combined;

      • Discounts generally cannot be applied retroactively to completed orders.

      Where permitted by applicable law, we may cancel, correct, suspend, or reject a promotion affected by:

      • Technical errors;

      • Pricing errors;

      • Fraud;

      • Unauthorized use;

      • Abuse;

      • Incorrect promotional configuration.

      Nothing in this section limits rights that cannot legally be waived.

      19. ORDER CANCELLATIONS

      If you wish to cancel an order, please contact us as soon as possible at:

      service@sipida.com

      We will make reasonable efforts to process a cancellation request before the order enters fulfillment.

      However, cancellation cannot be guaranteed after an order has:

      • Entered processing;

      • Been packed;

      • Been transferred to a fulfillment provider;

      • Entered freight scheduling;

      • Been shipped;

      • Entered production or customization where applicable.

      If cancellation is no longer possible, you may need to wait for delivery and follow the applicable Returns & Refund Policy.

      If an order is canceled after payment has been captured, an approved refund will generally be issued to the original payment method.

      20. REFUNDS

      Refund eligibility is governed primarily by our Returns & Refund Policy.

      Approved refunds will generally be issued to the original payment method used for the purchase.

      Once a refund is issued by us, additional processing time may be required before the funds appear in your account.

      Refund timing depends on factors such as:

      • Bank;

      • Card issuer;

      • Payment provider;

      • Payment method.

      In many cases, an approved refund may take approximately 5–10 business days to appear after it has been issued.

      This timeframe is an estimate and does not guarantee that every financial institution will complete processing within the same period.

      21. PARTIAL REFUNDS

      Where appropriate and permitted by applicable law, a partial refund may be issued.

      Examples may include:

      • Partial order refunds;

      • Missing items;

      • Missing components;

      • Approved partial compensation;

      • Minor product issues resolved by agreement;

      • Price adjustments;

      • Other mutually agreed resolutions.

      The amount and eligibility of any partial refund will depend on the specific circumstances and applicable policies.

      For furniture, lighting, hardware, or other multi-component products, a replacement part or partial refund may sometimes be more appropriate than a full refund, depending on the issue and applicable consumer rights.

      22. REFUNDS FOR CANCELED OR UNAVAILABLE PRODUCTS

      If Sipida cancels a paid order or item because:

      • The product becomes unavailable;

      • We are unable to fulfill the order;

      • The product cannot be shipped to the provided destination;

      • A material pricing or technical error occurs; or

      • We reject the transaction after payment has been captured,

      an applicable refund will generally be issued to the original payment method.

      Refund processing may still be subject to the normal processing time of your bank or payment provider.

      23. DUPLICATE CHARGES

      If you believe you have been charged more than once for the same order, please contact us promptly at:

      service@sipida.com

      Please provide:

      • Order number;

      • Full name;

      • Transaction date;

      • Amount charged;

      • Brief description of the issue.

      For security reasons, do not send us your full payment card number or card security code by email.

      We will review the available transaction records.

      If a duplicate completed charge attributable to our transaction processing is confirmed, we will take appropriate steps to resolve it.

      Please note that an authorization hold and a completed charge may sometimes appear separately and may not represent two completed payments.

      24. UNAUTHORIZED TRANSACTIONS

      If you believe your payment method has been used without your permission, you should contact your bank, card issuer, or payment provider promptly.

      You may also contact us at:

      service@sipida.com

      We may cooperate with applicable payment providers, financial institutions, and lawful authorities in investigating suspected unauthorized transactions.

      Nothing in these Payment Terms limits any rights you may have regarding unauthorized transactions under applicable law.

      25. PAYMENT DISPUTES AND CHARGEBACKS

      If you believe a payment is incorrect, duplicated, unauthorized, or otherwise disputed, you may contact us at:

      service@sipida.com

      We will make reasonable efforts to review and resolve legitimate payment concerns.

      You are not required to waive any lawful chargeback or payment-dispute right in order to contact us.

      If you initiate a chargeback, card dispute, or other payment dispute, we may provide relevant transaction information to the applicable:

      • Bank;

      • Card issuer;

      • Payment processor;

      • Payment network;

      • Dispute resolution provider.

      Relevant records may include:

      • Order information;

      • Payment confirmation;

      • Billing information;

      • Shipping information;

      • Tracking records;

      • Freight records;

      • Delivery information;

      • Customer communications;

      • Return information;

      • Refund records;

      • Other information relevant to the disputed transaction.

      Nothing in this section limits your lawful right to dispute unauthorized, duplicate, incorrect, or otherwise disputable charges.

      26. THIRD-PARTY PAYMENT PROVIDERS

      Payment methods provided by third parties may be subject to their own:

      • Terms;

      • Privacy policies;

      • Fees;

      • Restrictions;

      • Security procedures;

      • Eligibility requirements.

      We are generally not responsible for charges imposed independently by your bank, card issuer, or payment provider, including:

      • Foreign transaction fees;

      • Currency conversion fees;

      • Bank charges;

      • Account fees;

      • Provider-specific charges.

      We are also not responsible for third-party account restrictions or service interruptions outside our reasonable control.

      Issues relating exclusively to a third-party payment account may need to be addressed directly with that provider.

      Nothing in this section excludes liability that cannot legally be excluded.

      27. PAYMENT SECURITY

      We use reasonable administrative, technical, and organizational measures designed to protect payment-related transactions and customer information.

      Payment transactions may be transmitted using encrypted connections and processed by third-party payment providers that maintain their own security procedures.

      However, no electronic payment method, internet transmission, or electronic storage system can be guaranteed to be completely secure.

      Customers are responsible for taking reasonable steps to protect their own:

      • Account credentials;

      • Payment information;

      • Devices;

      • Login information.

      If you believe your Sipida account or payment-related information may have been compromised, please contact us promptly at:

      service@sipida.com

      28. PAYMENT HOLDS AND MANUAL REVIEW

      Certain orders may be placed on temporary hold while payment verification, fraud screening, or transaction review is completed.

      This may affect normal order processing time.

      This may be particularly relevant for:

      • High-value orders;

      • Unusually large orders;

      • Orders containing multiple furniture items;

      • Orders with billing and shipping information inconsistencies;

      • Transactions identified by payment providers as requiring additional review.

      If additional information is reasonably required, we may contact you using the contact details associated with your order.

      If required verification cannot be completed, we may reject or cancel the order where permitted by applicable law.

      If payment has already been captured and the order is canceled, an applicable refund will generally be issued.

      29. PRE-ORDERS AND BACKORDERS

      If Sipida offers pre-order or backordered products, any material special payment conditions will be disclosed on the applicable product page or during checkout.

      Depending on the applicable product and payment method, payment may be:

      • Authorized when the order is submitted;

      • Captured when the order is submitted;

      • Captured before shipment;

      • Captured when inventory becomes available.

      Furniture, lighting, or other home furnishings may occasionally have different production or inventory lead times.

      Where special terms apply, customers should review those terms before completing the purchase.

      30. MADE-TO-ORDER OR CUSTOMIZED PRODUCTS

      If Sipida offers made-to-order, customized, personalized, or specially configured products, any material payment terms applicable to those products should be disclosed before purchase.

      Depending on the product, payment may be required before:

      • Production begins;

      • Customization begins;

      • Materials are allocated;

      • Fulfillment begins.

      Cancellation and refund eligibility for made-to-order or customized products may differ from standard products and will be governed by the applicable product disclosure and our Returns & Refund Policy, subject to applicable law.

      31. RESERVATION OF RIGHTS

      Where permitted by applicable law, Sipida may:

      • Refuse or reject a transaction;

      • Cancel an order;

      • Limit quantities;

      • Request payment verification;

      • Correct pricing or payment errors;

      • Temporarily restrict certain payment methods;

      • Suspend transactions involving suspected fraud or unauthorized activity.

      These rights will be exercised subject to applicable law and mandatory consumer protections.

      If an order is canceled after payment has been captured, we will issue an applicable refund in accordance with these Payment Terms and our Returns & Refund Policy.

      32. CHECKOUT INFORMATION AND FINAL ORDER TOTAL

      Before submitting an order, you will be shown the transaction information applicable to that purchase.

      This may include:

      • Product price;

      • Product variation;

      • Discounts;

      • Shipping charges;

      • Applicable taxes;

      • Other disclosed charges;

      • Total amount payable;

      • Payment method.

      You should review this information carefully before completing checkout.

      If you believe the checkout total is incorrect, please do not submit payment until the issue has been clarified.

      You may contact us at:

      service@sipida.com

      The amount authorized or charged should correspond to the final amount disclosed during checkout, subject to any separately imposed third-party financial institution fees.

      33. RECEIPTS AND ORDER CONFIRMATIONS

      After placing an order, you may receive an order confirmation or transaction record at the email address associated with your purchase.

      Please retain your order confirmation for your records.

      The confirmation may contain information including:

      • Order number;

      • Products purchased;

      • Product variations;

      • Amount paid;

      • Shipping information;

      • Billing information;

      • Other transaction details.

      If you believe your confirmation contains an error, please contact us promptly.

      34. RELATIONSHIP TO OTHER POLICIES

      These Payment Terms should be read together with our:

      • Terms of Service

      • Privacy Policy

      • Shipping Policy

      • Returns & Refund Policy

      The Returns & Refund Policy governs refund and return eligibility.

      The Shipping Policy governs shipping and delivery terms.

      The Privacy Policy governs our handling of personal information.

      The Terms of Service govern the broader contractual relationship between you and Sipida, including applicable governing law and dispute-related provisions.

      Nothing in these Payment Terms is intended to reduce or override mandatory consumer rights.

      35. CHANGES TO THESE PAYMENT TERMS

      We may update these Payment Terms from time to time to reflect changes in:

      • Payment methods;

      • Payment providers;

      • Checkout systems;

      • Tax requirements;

      • Product categories;

      • Business practices;

      • Fraud prevention procedures;

      • Security measures;

      • Applicable legal or regulatory requirements.

      When these Payment Terms are updated, we will revise the “Last Updated” date at the top of this page.

      Unless applicable law requires otherwise, the Payment Terms in effect when an order is submitted will generally apply to that transaction.

      Changes made after a completed purchase will not ordinarily retroactively alter the payment terms applicable to that completed transaction.

      36. GOVERNING TERMS

      These Payment Terms form part of the terms governing purchases made through Sipida.

      Matters relating to governing law, jurisdiction, consumer rights, and dispute resolution are addressed in our Terms of Service.

      These Payment Terms should therefore be interpreted consistently with the Terms of Service.

      Nothing in these Payment Terms limits any mandatory legal rights or remedies that cannot lawfully be excluded.

      37. CONTACT US

      If you have questions about payments, billing, refunds, duplicate charges, authorization holds, transaction verification, pricing, or payment disputes, please contact us.

      Brand:
      Sipida

      Operator / Company Name:
      Shenzhen Hedianer Qiliang Media Co., Ltd.

      Business:
      Online retail of home furnishings and household products, including lighting, furniture, home hardware, rugs, textiles, bedding, home décor, storage and organization products, bathroom accessories, and related household goods.

      Company Address:
      Room 606, Shouchuang Business Building
      No. 5 Longhua Guangchang 3rd Road
      Fukang Community, Longhua Subdistrict
      Longhua District, Shenzhen, China

      Customer Service Email:
      service@sipida.com

      Telephone:
      +86 18079529776

      Website:
      https://sipida.com/