We offer several payment options to help customers complete orders securely and conveniently. This Payment & Refund Policy explains the payment methods we support, how bank transfer payments are handled, and how eligible refunds are processed.

Accepted Payment Methods

We currently support the following payment methods, where available at checkout:

Credit Card
Debit Card
PayPal
Apple Pay
Google Pay
Bank Transfer

Available payment methods may vary depending on your country or region, device, browser, order amount, payment provider availability, and checkout settings.

Pay With Credit or Debit Card

When paying with a credit or debit card, you may need to provide the cardholder name, card number, expiration month and year, security code, and billing address during checkout.

Please make sure your billing information matches the information held by your card issuer. Incorrect billing information may result in payment failure, payment review, or order delay.

Stellar Spares does not store your full credit or debit card number entered in the payment fields. Card payments are processed through secure third-party payment providers. For questions about card charges, authorization holds, declined payments, or bank processing times, please contact the bank or card issuer directly.

Pay With PayPal

When you choose PayPal at checkout, you may be redirected to PayPal's secure payment page, where you can log in with your PayPal account to complete payment.

If PayPal offers guest checkout in your country or region, you may be able to pay through PayPal using a debit or credit card without logging in to a PayPal account. Availability of guest checkout is controlled by PayPal and may vary by location, device, account status, and PayPal's own policies.

PayPal transactions are processed by PayPal. For questions about PayPal payment status, account limitations, authorization holds, or PayPal disputes, please contact PayPal directly.

Pay With Apple Pay or Google Pay

Apple Pay and Google Pay may be available at checkout when supported by your device, browser, country or region, card issuer, and payment provider.

If you choose Apple Pay or Google Pay, please follow the prompts shown at checkout to confirm your payment. The final approval of the payment is handled by your wallet provider, card issuer, and payment processor.

Pay With Bank Transfer

If you choose to pay by bank transfer, please follow the payment instructions shown at checkout or provided by our customer service team.

Please transfer the full order amount to the provided bank account details. Before initiating the transfer, carefully confirm the account name, account number, bank name, transfer amount, currency, and any other payment details.

Please include a clear order number, invoice number, or payment reference in the transfer details. This helps us identify your payment and match it to your order promptly.

After initiating the bank transfer, please notify us by email and include your order number, transaction reference number, payment amount, payment date, and proof of transfer where available.

Bank transfers may take 2-5 business days to appear in our account, depending on the sending bank, receiving bank, currency, country, public holidays, and intermediary banks.

Your order may not be processed or shipped until the bank transfer has been received and confirmed. If we cannot match a bank transfer to an order, processing may be delayed.

Any bank charges, wire transfer fees, intermediary bank fees, exchange rate differences, or other transfer-related costs are the customer's responsibility unless otherwise agreed in writing.

Payment Verification and Order Review

For security reasons, some orders may be subject to payment verification or fraud-prevention review. We may contact you to confirm order details, payment information, billing information, shipping information, or other order-related information.

If payment cannot be verified, if the payment is declined, or if required information is not provided, we may delay, cancel, or refuse the order.

Refund Eligibility

Refunds are handled in accordance with our Return & Exchange Policy and any applicable consumer protection laws.

Approved refunds may apply when a returned item meets our return requirements, when an exchange or replacement is not available, when an order is cancelled before shipment, or when Stellar Spares confirms a product quality problem, damaged item on arrival, missing item, or wrong item shipped.

Items that have been installed, used, modified, damaged, returned without approval, returned without original packaging, or returned in a condition that does not meet our Return & Exchange Policy may not be eligible for a refund.

Refund Method

Approved refunds will generally be issued to the original payment method used for the order, where possible.

If the original payment method is no longer available, or if a refund to the original payment method is not possible, we may contact you to arrange an alternative refund method where permitted by applicable law and payment provider rules.

For bank transfer payments, we may request accurate bank account information before processing an approved refund. The customer is responsible for providing correct refund bank details.

Refund Processing Time

Once an approved return is received and inspected, or once a refund is otherwise approved by Stellar Spares, we will process the refund as soon as reasonably possible.

PayPal refunds may appear sooner after processing, depending on PayPal's system and account status.

Credit card, debit card, Apple Pay, and Google Pay refunds may take additional time to appear on your statement, depending on the card issuer, bank, wallet provider, and payment processor.

Bank transfer refunds may take additional processing time depending on the sending bank, receiving bank, currency, country, public holidays, and intermediary banks.

Non-Refundable Charges

Shipping fees, customs duties, import taxes, brokerage fees, clearance fees, remote-area fees, payment processing fees, bank transfer fees, intermediary bank fees, and other third-party charges are generally non-refundable unless the refund is caused by a confirmed quality problem, damaged item on arrival, missing item, or wrong item shipped by Stellar Spares.

If the customer requests a return because the wrong item was ordered, the product is no longer needed, the product is incompatible, the shipping address was incorrect, or the customer changed their mind, the customer may be responsible for return shipping costs and other related charges.

Chargebacks and Payment Disputes

If you have a problem with your order, payment, refund, or delivery, please contact us first so we can review the issue and help resolve it.

Opening a payment dispute or chargeback before contacting us may delay the resolution process, as we may be required to follow the payment provider's dispute procedure.

Contact Us

If you have questions about payment, bank transfer confirmation, refund status, or payment verification, please contact us using the information below:
Service WhatsApp: +(852) 6504-1964
E-mail: info@stellarspares.com