Payment Policy
City of Gem
Effective Date: 2026
Accepted Payment Methods
City of Gem accepts several payment methods for customer convenience, subject to risk checks, payment provider rules, transaction review, and order type.
Website Card Payments
For online website checkout, customers may pay directly through supported secure payment gateway methods, including major payment cards such as Visa, Mastercard, American Express, Discover, and Diners Club, where available through the website’s payment infrastructure. Card acceptance may vary depending on issuing bank approval, fraud controls, country restrictions, gateway settings, authentication requirements, and technical availability at the time of payment.
Alternative Payment Methods
City of Gem may also accept alternative payment methods including direct bank transfer, Wise, Western Union, MoneyGram, Ria, Remitly, Xoom, XE, Instarem, OFX, Sendwave, Paysend, Revolut, PandaRemit, TapTap Send, Skrill, Profee, TransferGo, but these methods are not always fully automated through the website. Customers wishing to use such methods should contact City of Gem through official channels before payment so we can confirm details, availability, fees, settlement expectations, and handling procedure.
Official Payment Instructions
All payments must be made only to City of Gem’s official instructions. Customers are responsible for confirming payment details directly with us before sending funds, particularly for bank transfer, or remittance service. City of Gem is not responsible for funds sent to the wrong recipient due to customer error, phishing, impersonation, fake accounts, or unauthorized instructions not verified through our official channels.
Currency and Exchange Rates
The preferred reference currency for international sales is USD, unless another currency is clearly stated on the website, invoice, quotation, or payment link. Exchange rates used by card issuers, banks, remittance platforms, wallets, or payment processors may differ from the website display or invoice date rate. Customers are responsible for such third-party conversion differences.
Payment Clearance and Order Processing
An order will not normally be treated as fully paid until funds are actually received, cleared, and confirmed by City of Gem. A payment attempt, pending status, screenshot, or remittance initiation alone does not always mean cleared payment. City of Gem reserves the right to delay processing, hold shipment, or request additional confirmation where payment remains pending, reversible, incomplete, or suspicious.
Customer Payment Fees
Customers are responsible for any fees charged by their own bank, card issuer, payment service, remittance provider, exchange service, wallet provider, or intermediary institution, unless we expressly agree otherwise in writing. These may include bank transfer fees, correspondent fees, card foreign transaction fees, conversion spreads, remittance charges, blockchain network fees, or compliance hold charges.
Declined or Flagged Payments
If a payment is declined, flagged, reversed, charged back, blocked, or held by a bank or payment provider, City of Gem is not responsible for the internal decision of that bank or provider. We may assist by confirming order details or providing transaction references, but final approval depends on the customer’s payment provider and compliance review. Repeated failed attempts may trigger anti-fraud systems at banks or gateways.
Payment Risk Review
City of Gem reserves the right to refuse, restrict, refund, or require a different payment method for transactions that appear high-risk, unusual, inconsistent, or non-compliant with our security checks or the rules of the payment provider.
Payment Policy – FAQ
Frequently asked questions about website payments, alternative payment methods, payment confirmation, fees, and payment security.
1. Which payment methods do you accept?
City of Gem accepts supported website card payments and may also accept approved alternative payment methods such as direct bank transfer, Wise, Western Union, MoneyGram, Ria, Remitly, Xoom, XE, Instarem, OFX, Sendwave, Paysend, Revolut, PandaRemit, TapTap Send, Skrill, Profee, TransferGo.
2. Can I pay directly on the website?
Yes. Customers may pay through supported secure payment gateway methods available on the website, including major payment cards such as Visa, Mastercard, American Express, Discover, and Diners Club, where supported by the payment system.
3. Can I use bank transfer or remittance services instead of card payment?
Yes. Alternative payment methods may be available, but customers should contact City of Gem through official channels before sending payment so we can confirm the correct procedure and details.
4. What currency do you use for international orders?
The preferred reference currency for international sales is USD, unless another currency is clearly stated on the website, invoice, quotation, or payment link.
5. When is an order treated as fully paid?
An order is not normally treated as fully paid until funds are actually received, cleared, and confirmed by City of Gem. A payment attempt, screenshot, or pending status alone does not always mean cleared payment.
6. Who is responsible for bank charges or payment service fees?
Customers are generally responsible for any fees charged by their own bank, card issuer, payment provider, remittance service, exchange service, wallet provider, or intermediary institution, unless City of Gem agrees otherwise in writing.
7. What should I do before sending payment through bank transfer?
Please confirm the payment details directly with City of Gem through official channels before sending funds. This helps prevent mistakes, fraud, phishing, impersonation, or payment to unauthorized accounts.
8. What happens if my payment is declined or flagged?
If a payment is declined, blocked, flagged, reversed, or held by a bank or payment provider, City of Gem is not responsible for that internal decision. We may assist by confirming order details or providing transaction references, but final approval depends on the customer’s payment provider.
9. Can City of Gem request a different payment method?
Yes. City of Gem reserves the right to refuse, restrict, refund, or request a different payment method for transactions that appear high-risk, unusual, inconsistent, or non-compliant with security checks or payment provider rules.