Billing Policy

Version: 1.0
Last Updated: 27 November 2025

At GraphConsulting.online, operated by ONLINE CHECKOUT LIMITED, we provide secure, transparent, and compliant billing, payment, and refund processes for all our digital and custom services.

1. Company Information

ONLINE CHECKOUT LIMITED
Business Registration No.: 79262457
Company Type: Private company limited by shares
Date of Incorporation: 26 Nov 2025
Registered Address:
RM 701, UNIT 127, 7/F, Tower B, New Mandarin Plaza,
14 Science Museum Road, Tsim Sha Tsui, Hong Kong
Customer Support Email: info@graphconsulting.online
Customer Support Phone: +1 315 757 1750

ONLINE CHECKOUT LIMITED (“the Company”, “we”, “our”) provides custom coding, design services, digital design, and related digital solutions.

2. Billing & Payment Processing

All payments are securely processed through Airwallex, our regulated global payment provider.

Accepted payment methods:

  • Debit and credit cards (Visa, Mastercard, American Express—where supported)

  • Bancontact

  • Trustly

  • Other local payment methods via Airwallex

Compliance standards:

  • Hong Kong commercial and financial regulations

  • EU consumer protection and PSD2 Strong Customer Authentication (SCA)

  • PCI-DSS card network security requirements

Invoices:

  • One-time electronic invoices are issued automatically after payment

  • No subscriptions or recurring billing

3. Delivery of Services

Delivery options depend on the service type:

Instant Delivery:

  • For digital products or assets available immediately

  • Full access is granted instantly after successful payment

Pay After Delivery (Post-Payment):

  • For custom work or service-based orders

  • Customers may receive deliverables before payment based on project scope and internal approval

All delivery terms are clearly communicated during the order process.

4. Invoicing

Each electronic invoice includes:

  • Company details & registration number

  • Service description

  • Billing amount and currency

  • Taxes, if applicable

  • Invoice date and unique invoice number

  • Customer support contact info

Custom or VAT-compliant invoices can be requested via info@graphconsulting.online.

5. Refund Policy – 14-Day “No Questions Asked”

We offer a straightforward, consumer-friendly refund policy:

14-Day Full Refund Guarantee:

  • Applicable for any purchase, including digital products and instantly delivered services

  • No reason or explanation required

  • No conditions apply, except identity verification if legally required

How to request a refund:

This policy exceeds Hong Kong and EU consumer protection standards and meets strict banking compliance expectations.

6. Disputes and Chargebacks

  • Customers are encouraged to contact us first before initiating a chargeback

  • We comply with card scheme rules and may provide supporting documentation to contest unfounded chargebacks

7. Fraud Prevention & Compliance

To comply with Hong Kong and EU AML/KYC regulations, we may request additional information for:

  • High-value payments

  • Suspicious or unusual transactions

  • Verification requests from Airwallex or card networks

We reserve the right to decline transactions that fail fraud checks.

8. Data Security

  • Payment information is handled exclusively by Airwallex

  • Sensitive payment data is never stored on our systems

  • Security standards followed:

    • GDPR (EU)

    • Hong Kong PDPO

    • PCI-DSS (via Airwallex infrastructure)

9. Contact Information

For inquiries regarding billing, payments, invoices, refunds, or chargebacks:

Email: info@graphconsulting.online
Phone: +1 315 757 1750