Payment Policy

After you submit an order request, a member of our team will reach out to arrange invoicing and payment terms that fit your business needs. By submitting an order request, you confirm that you are authorised to transact on behalf of your account and to agree the invoiced order total. We may require additional identity, billing, or fraud-prevention verification before accepting or fulfilling an order. We may decline or cancel an order where authorisation, verification, or payment cannot be completed.

• Your bank or payment provider may place a temporary authorisation before a charge is captured. An authorisation is not necessarily a completed charge.
• We will normally capture payment when the order is accepted, prepared for fulfilment, or as otherwise stated at checkout. If an order cannot be accepted, we will instruct the payment provider to void or refund the amount as applicable.
• The time for an authorisation hold, reversal, or refund to appear is controlled by your bank or payment provider. We cannot accelerate that process after we have issued the relevant instruction.
• Do not submit repeated orders solely because an authorisation is pending. Contact support if you need help confirming the status.

Prices are displayed in the currency indicated at checkout. Your card issuer, bank, or payment provider may apply foreign-exchange, conversion, cross-border, instalment, or transaction fees; these are separate from Malatrading's order total. If a price, promotion, tax calculation, or delivery charge contains an obvious error, we may correct it and ask whether you wish to proceed at the correct amount or cancel the order before fulfilment.

Payment processing may be performed by specialist third-party providers. We use reasonable safeguards and request only the payment information needed for the transaction. Never send full payment-card numbers, card security codes, online-banking passwords, one-time codes, or other credentials to us by email, chat, or social media. Our handling of personal data is described in the Privacy Policy.

If you see an unfamiliar charge, first check whether it relates to a pending authorisation, a split shipment, or an order placed by an authorised household or business user. Then contact support@malatrading.com promptly with the order number (if known), charge date, amount, currency, and the email used for the order. We may request information needed to verify the inquiry and investigate. Nothing in this policy prevents you from exercising rights available through your payment provider or under applicable law.