PAYMENT TERMS

Payment Terms

Last Updated: October 7, 2026

These Payment Terms apply to purchases made through okbangs.com.

1. Payment Methods

We currently accept:

• Major credit cards;
• PayPal; and
• Apple Pay.

Actual payment options displayed at checkout may depend on location, currency, device, browser, and payment-provider availability.

2. Authorization

By submitting payment information, you confirm that you are authorized to use the selected payment method.

3. Payment Processing

Payments may be processed by independent payment providers.

These may include:

• Credit-card processors;
• PayPal; and
• Apple Pay-supported payment services.

Their own terms and privacy policies may apply.

4. Card Information

Where card details are processed directly by a payment provider, we may not directly receive or store your full card number or security code.

5. Currency and Conversion

Your bank or payment provider may charge:

• Foreign transaction fees;
• Currency conversion fees;
• Exchange-rate adjustments; or
• Other provider charges.

These charges are controlled by the relevant provider, not us.

6. Payment Verification

Transactions may be reviewed for fraud prevention and authorization.

Orders may be delayed or canceled where:

• Payment fails;
• Authorization is declined;
• Fraud is reasonably suspected;
• Information cannot be verified; or
• Processing would violate applicable law.

7. Refunds

Approved refunds are generally returned to the original method of payment.

Bank or payment-provider processing times may vary.

8. Payment Disputes

Nothing in these Terms limits a lawful right to raise a genuine payment dispute or chargeback.

Knowingly fraudulent payment disputes are prohibited.