Payment Policy

This Payment Policy explains how GEAROPT handles payments for products purchased directly from www.gearopt.com or directly from GEAROPT where this policy applies.

GEAROPT is operated by MAAFU OUTDOOR SPORTS GEARS CO., LIMITED, under the GEAROPT brand.

Company address: Room 602, 6/F, Kai Yue Commercial Building, No.2C, Argyle Street, Mongkok, Kowloon, Hong Kong

This Payment Policy should be read together with our Terms & Conditions, Shipping & Delivery Policy, Return & Refund Policy, Global Limited Warranty &  After-Sales Service Policy and Privacy Policy.


1. Accepted Payment Methods

Available payment methods are displayed at checkout. Depending on country or region, order value, product type, payment-provider availability and website settings, these may include Visa, Mastercard, American Express, PayPal, Apple Pay, Google Pay, Shop Pay, UnionPay and other local or express-checkout options shown at checkout.

The payment methods displayed during checkout for a particular order are the methods available for that order. GEAROPT does not guarantee that every payment method will be available in every country, currency, browser or device.

Installment, deferred-payment or buy-now-pay-later options are available only when displayed at checkout. Eligibility, credit assessment, payment schedules, fees and related terms are determined by the relevant third-party provider. GEAROPT is not the lender or credit provider.

GEAROPT may add, remove, limit or change available payment methods where permitted by law.


2. Payment Authorization and Order Confirmation

By submitting an order, you authorize the applicable payment provider to verify the billing and payment information supplied, place an authorization hold where applicable and charge the amount shown at checkout.

Unless a different payment schedule is disclosed at checkout or agreed in writing, payment is submitted for processing when the order is placed. Some providers may first display a pending authorization before the final charge is posted. The exact posting time is controlled by the payment provider, bank or card issuer.

An order confirmation email means that we have received your order request. It does not necessarily mean that the order has been finally accepted, shipped or completed.

Pre-orders, customized products, special orders, deposits and approved business orders may be subject to separate payment schedules disclosed before purchase or stated in a quotation, invoice or written agreement.

Order acceptance, cancellation, product availability, pricing errors, shipping restrictions and product-compliance limitations are handled according to our Terms & Conditions and Shipping & Delivery Policy.


3. Prices, Currency, Taxes and Duties

Product prices and the final order total are displayed in the currency shown on the website or at checkout.

If your payment account uses a different currency, your bank, card issuer or payment provider may apply its own exchange rate, foreign-transaction fee or other charge. GEAROPT does not set or control those charges.

For international orders, customs duties, import taxes, VAT, GST, brokerage fees, clearance fees or other charges may be required by the destination country or region.

Unless expressly stated as included at checkout or in writing, import duties, customs fees, VAT/GST and other local charges are the customer's responsibility. Please refer to our Shipping & Delivery Policy and Return & Refund Policy for related information.


4. Promotions, Store Credit and Payment Fees

Promotion codes, discounts, gift cards or store credit, where offered, are subject to the terms displayed with the relevant offer. They may have eligibility limits, validity periods, product exclusions or combination restrictions and have no cash value except where required by law.

GEAROPT does not add a separate payment-processing surcharge unless it is clearly disclosed before the order is submitted. Currency-conversion charges, bank fees, installment-provider fees and similar third-party charges are determined by the relevant provider and remain the customer's responsibility.


5. Payment Security and Verification

Online payment services are provided by third-party payment service providers. Full payment-card details are submitted directly to the applicable provider and are not intended to be received or stored in full on GEAROPT's own systems.

Payment information may be encrypted, verified, processed and stored by third-party providers according to their own security standards, terms and privacy policies. A provider may request additional verification, including a security code, one-time password, 3-D Secure authentication or identity confirmation.

You are responsible for providing current, complete and accurate billing, contact and payment information. Personal information used for checkout, verification, fraud prevention, refunds and customer support is handled in accordance with our Privacy Policy.


6. Failed, Duplicate and Unauthorized Payments

If a payment is declined, incomplete, cancelled, reversed or not successfully authorized, the order may not be processed. Your bank or payment provider may be able to explain a decline or temporary authorization hold.

To prevent fraud, payment abuse or unlawful activity, GEAROPT and/or its payment providers may review an order before processing or shipment. We may delay, hold, cancel or refund an order where payment cannot be verified, the transaction is identified as high risk, information is inaccurate or incomplete, or fraud or unlawful activity is reasonably suspected.

If you notice a duplicate charge or a transaction you do not recognize, contact GEAROPT promptly at info@gearopt.com and contact your bank or payment provider. Do not send full card numbers, passwords or one-time security codes to GEAROPT.


7. Refunds

Approved refunds are issued to the original payment method used for the purchase. If an original payment method is no longer available or a refund cannot be completed for technical reasons, GEAROPT may request additional identity and payment verification before arranging a lawful alternative.

GEAROPT aims to submit an approved refund to the payment provider within five business days after approval. After submission, banks, card issuers and payment providers may require an additional five to ten business days, or longer in some regions, to post the funds. These processing periods are estimates and are not controlled by GEAROPT.

Refund eligibility, return conditions, non-refundable charges, deductions and cancellation rules are governed by our Return & Refund Policy.


8. Business Orders and Bank Transfer

Wholesale, distributor, dealer, exhibition-sample, customized, special-order, pre-order and other B2B purchases may be subject to separate written payment terms. Where a quotation, proforma invoice, purchase agreement, dealer agreement or distributor agreement conflicts with this Payment Policy, the specific written terms for that business order will apply.

For approved bank-transfer orders, customers must use the beneficiary, currency, payment deadline and bank details stated in the relevant quotation or invoice and include the requested order, invoice or reference number.

Unless agreed otherwise in writing, the customer is responsible for sender, intermediary and receiving-bank charges, and GEAROPT must receive the full invoiced amount. Underpayments, overpayments and payments made in an incorrect currency may delay order confirmation and may require additional bank charges to correct or return.

Orders paid by bank transfer are generally not produced, processed, packed or shipped until cleared funds are received and confirmed by GEAROPT. We may request proof of payment, but a transfer receipt alone does not constitute receipt of cleared funds.

Always verify bank instructions against the official quotation or invoice. GEAROPT will not request a bank-account change solely through an unverified message. Contact info@gearopt.com before paying if any instruction appears unusual or inconsistent.


9. Receipts and Invoices

An order confirmation or payment receipt is normally sent to the email address provided with the order. Customers are responsible for checking that the billing name, address, tax information and email address are accurate before submitting an order.

Where available, requests for a commercial invoice or other billing document should be sent to info@gearopt.com. Tax invoices and invoice amendments are subject to applicable law and must reflect the actual transaction.


10. Payment Errors and Disputes

Occasionally, errors may occur relating to pricing, payment processing, promotions, taxes, shipping charges, order totals or checkout information.

Where permitted by law, GEAROPT may correct an obvious error, contact the customer for confirmation, cancel the affected order, refund the affected payment or request corrected payment before processing the order.

If you believe there is a problem with a payment, order, shipment, return, refund or warranty request, please contact info@gearopt.com so that we can review the issue. Contacting us does not limit any rights available under applicable consumer-protection law or payment-card network rules.


11. Changes to This Payment Policy

GEAROPT may update this Payment Policy to reflect changes in payment methods, providers, operations or applicable requirements. The revised version becomes effective when posted, unless a later effective date is stated. Changes will not reduce mandatory rights that apply to transactions completed before the revised policy took effect.


12. Contact Us

For payment, billing or refund-related questions, please contact:

GEAROPT Customer Support
Business Hours: Monday-Friday, 9:00-18:00 GMT+8