Effective Date: June 18, 2026
Thank you for shopping with Xacora. This Payment Policy explains how payments are processed when you place an order on xacxh.com. It should be read together with our Terms of Service, Privacy Policy, Shipping Policy, Returns and Refund Policy, and FAQ.
1. Accepted Payment Methods
We use Oceanpayment(Direct) as our payment service provider. At checkout, available payment methods may include Visa, Mastercard, American Express, Discover, and other methods made available through Oceanpayment(Direct). The exact options shown to you depend on your billing country, shipping destination, currency, card type, device, and Oceanpayment(Direct)’s availability.
The payment methods displayed at checkout are the methods you can use for that order. We do not accept payment methods that are not shown at checkout.
2. Payment Processing and Fees
Payments are processed securely by Oceanpayment(Direct). Our payment settings show that Oceanpayment(Direct) applies a 2% transaction fee, and card processing rates are set by Oceanpayment(Direct). These are processing costs associated with our use of Oceanpayment(Direct) and are not an additional charge added to your order total unless a separate fee is clearly displayed at checkout before you confirm payment.
All prices are shown in US dollars unless stated otherwise. Shipping fees, taxes, and any other checkout charges are displayed before you place your order. International orders may also be subject to customs duties, import taxes, or other destination charges, which are the customer’s/recipient’s responsibility unless stated otherwise at checkout, as explained in our Shipping Policy.
3. Currency and Bank Charges
If your card or payment account is in a different currency, your bank or payment provider may apply currency conversion fees, foreign transaction fees, or other charges. Xacora does not control these charges and cannot refund them. The amount charged to you may vary based on your provider’s exchange rate and fees.
4. Authorisation and Charges
When you place an order, you authorise Oceanpayment(Direct) to charge your selected payment method for the order total shown at checkout. Payment may be captured immediately or after order review, depending on the payment method and provider.
Placing an order does not automatically mean it is accepted. We may cancel or limit an order for legitimate reasons set out in our Terms of Service, including product unavailability, pricing errors, payment issues, suspected fraud, delivery restrictions, unusually large or duplicate orders, or orders that appear to be for resale. If we cancel an order after payment, we will refund the full amount to your original payment method.
5. Payment Security
We take payment security seriously. Payment card details are processed by Oceanpayment(Direct) and its payment partners. We typically do not store your full card number or security code. We may receive limited payment-related information, such as payment status, transaction ID, payment method, and the last few digits of your card, so we can manage your order, provide support, prevent fraud, and handle refunds.
Please see our Privacy Policy for more information about how we collect, use, and protect your information.
6. Failed, Declined, or Pending Payments
If your payment is declined, fails, remains pending, or requires additional verification, your order may not be processed until the issue is resolved. You may need to retry payment, use another method, or contact your bank or payment provider.
If you believe a payment was taken but your order was not confirmed, please contact us with your order number and the email address used to place the order. We will check the payment status with Oceanpayment(Direct) and help as quickly as possible.
7. Changes and Cancellations
If you need to change or cancel your order, contact us as soon as possible at support@xacxh.com or xacxh1@126.com. Because many items enter production quickly, we cannot guarantee changes or cancellations once processing, production, or shipping has begun. If cancellation is approved before dispatch, we will refund the eligible amount to your original payment method.
8. Refunds
Approved refunds are issued to your original payment method, in accordance with our Returns and Refund Policy. We typically process refunds within 5–7 business days after the return inspection is completed. Your bank or payment provider may then take an additional 7–10 business days to reflect the funds.
Original shipping fees are refundable only if the return is due to our error, for example a wrong, defective, or incorrect item. For customer-initiated returns, original shipping costs are non-refundable unless required by law. Customs duties, import taxes, and other third-party charges are not refundable by Xacora.
9. Chargebacks and Payment Disputes
If you have a problem with a payment or order, please contact us first so we can try to resolve it quickly. We are happy to help with order status, refunds, returns, or payment questions. If you initiate a chargeback or payment dispute, we may need to provide relevant order and payment information to Oceanpayment(Direct), the bank, or the payment provider as part of the dispute process.
10. Changes to This Policy
We may update this Payment Policy from time to time to reflect changes in our payment methods, service providers, business practices, or legal requirements. The revised version will be posted on this page with a new effective date. Changes apply prospectively unless law says otherwise.
Contact Us
If you have any questions about payments, please contact us. When contacting us about an existing order, please include your order number and the email address used to place the order.
Customer Service Email: support@xacxh.com; xacxh1@126.com
Store Website: https://xacxh.com
Contact Phone: +86 182-8608-0276
Company Information
Brand: Xacora
Website: xacxh.com
Legal Entity: Yunyan District Mila Clothing Store
Store Operator: Yunyan District Mila Clothing Store
Unified Social Credit Code: 92520103MAAM15HH13
Registered Address: No. 8, Floor -2, Building B, Yan'an West Road, Weiqingmen Subdistrict, Yunyan District, Guiyang City, Guizhou Province
Returns must not be sent to the registered address without approval from our team. Please contact us first so we can share the latest return warehouse address. If the phone is busy, please use email or the store backend. We will respond as quickly as possible. Customer service hours: Monday to Friday, 9:30 AM–12:00 PM and 2:00 PM–6:30 PM.
Current return warehouse address:
Attn: Returns Department / RMA: OH-5512-M
Warehouse: Buckeye Logistics Returns – Door 9
2775 Scioto Ridge Rd, Suite 3
Columbus, OH 43228-3920
United States
Customer Service Email: xacxh1@126.com; support@xacxh.com
Contact Phone: +86 182-8608-0276
Xacora is managed by Yunyan District Mila Clothing Store, the operator responsible for xacxh.com, order fulfillment, customer service, and related ecommerce activities.