Payment Policy

Last Updated: 10 October 2026

1. Introduction

Welcome to EXCOMMNIAGA SDN BHD.

This Payment Policy explains the payment methods, payment processing procedures, and related terms applicable to purchases made through our website.

By placing an order on our website, you agree to the payment terms outlined in this policy.

2. Accepted Payment Methods

We may offer various payment methods to make shopping convenient for our customers.

Available payment methods will be displayed on the checkout page and may include:

  • Online banking

  • Debit and credit cards

  • Approved third-party payment gateways

  • Other payment methods made available on our website

The availability of specific payment methods may vary depending on the website’s configuration and the payment service providers we use.

3. Payment Currency

Unless otherwise stated, product prices and transactions on our website are displayed in Malaysian Ringgit (MYR/RM).

If your payment provider processes a transaction in another currency, additional currency conversion fees or charges may apply according to your bank or payment provider’s terms.

4. Product Prices

All product prices are displayed on the relevant product pages.

Prices may change from time to time without prior notice. However, any changes will not affect an order that has already been accepted, except where an adjustment is necessary due to an obvious pricing error or as otherwise permitted by applicable law.

Shipping fees, applicable taxes, and other charges, where relevant, will be displayed or communicated before you complete your purchase.

5. Payment Confirmation

Orders are subject to successful payment verification.

After completing your payment, you may receive an order confirmation through the website or by email.

If your payment is unsuccessful, pending, or cannot be verified, your order may remain unconfirmed until the payment status is resolved.

Please do not make repeated payments for the same order without first checking your payment status or contacting our customer service team.

6. Payment Security

We take reasonable steps to protect customer information during the ordering and payment process.

Payments may be handled by third-party payment service providers that use their own security measures and privacy practices.

Customers should ensure that they are using the official checkout page on our website and should never share their banking passwords, PINs, one-time passwords (OTPs), or other confidential security credentials with anyone.

EXCOMMNIAGA SDN BHD will not request your banking password or OTP through email, phone calls, or messaging applications.

7. Failed or Duplicate Payments

If your payment fails or you believe that you have been charged more than once for the same order, please contact us as soon as possible.

Please provide the following information where available:

  • Order number

  • Transaction reference

  • Payment date

  • Amount charged

  • Relevant payment confirmation or receipt

We will review the information and coordinate with the relevant payment provider where necessary.

Any confirmed duplicate payment will be handled in accordance with the applicable refund procedures.

8. Order Cancellation and Refunds

Payments for cancelled orders, returned products, or other eligible refund requests will be handled in accordance with our Return & Refund Policy and applicable Malaysian laws.

Where a refund is approved, it will generally be returned through the original payment method where possible.

Refund processing and the time required for funds to appear in your account may vary depending on the payment provider or financial institution.

9. Fraud Prevention

We reserve the right to review transactions that appear suspicious or potentially fraudulent.

Where reasonably necessary and permitted by law, we may request additional information to verify an order or take appropriate action to protect customers and our business.

Any cancellation, suspension, or refusal of an order will be handled in accordance with applicable laws and the terms communicated to the customer.

10. Third-Party Payment Providers

Our website may use third-party payment gateways or payment service providers to process transactions.

Transactions handled by these providers may also be subject to their own terms, conditions, and privacy policies.

EXCOMMNIAGA SDN BHD is not responsible for independent service interruptions or processing delays caused by third-party providers, but we will make reasonable efforts to assist customers with payment-related enquiries.

11. Contact Us

If you have any questions regarding payments, transaction status, or refunds, please contact us.

EXCOMMNIAGA SDN BHD

Company Registration No.: 1616832-W

Email: excommniaga@gmail.com

Phone: 016-912 7151 / 019-273 8070

Address: 6-1, Jalan Pelangi 18, Taman Pelangi, Wilayah Persekutuan Kuala Lumpur, Malaysia.

12. Policy Updates

We may update this Payment Policy from time to time to reflect changes in our payment procedures, service providers, or applicable laws.

Any revised version will be published on this page with an updated revision date.

Thank you for shopping with EXCOMMNIAGA SDN BHD.