Payment Policy 付款条规

 

Payment Methods

We accept the following type of payment


  • Credit Card
  • Bank Transfer

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Credit Card

BuySilverMalaysia.com is integrated with payment gateway provided by iPay88 Sdn Bhd. iPay88 accepts most credit cards issued by banks in Malaysia. We take high precaution to safeguard your online purchases. With that, we only opted to accept credit cards with 3-D Secure feature.


3-D Secure is an added security measures implemented by credit card issuers. Through Verified by Visa and MasterCard Secure Code, you are required to key in your personal password as an extra protection to authorize your electronic payments.


Malaysia - Below are list of credit card issuers that offers 3-D Secure (updated 1st June 2015):


  • MayBank
  • Public Bank
  • Hong Leong Bank
  • CIMB Bank
  • RHB Bank
  • AmBank
  • Alliance Bank
  • OCBC Bank
  • UOB Bank
  • Citibank
  • Standard Chartered Bank
  • HSBC Bank
  • Affin Bank
  • Al-Rajhi Bank
  • Bank Islam
  • Bank Simpanan Nasional
  • Aeon Credit Services
  • Bank Muamalat

Singapore - Below are list of credit card issuers that offers 3-D Secure (updated 1st June 2015):


  • Citibank
  • Standard Chartered Bank
  • DBS Bank
  • Maybank Singapore
  • OCBC Bank
  • Keppel TatLee
  • UOB Bank
  • HSBC Bank
  • CIMB Bank

Credit card orders are reviewed on an order by order basis. Large credit card orders may be subject to additional documentation or screening and are subject to our approval.

Below are the basic criteria that must be met for credit card orders:


  • Credit card holder name must be the same as billing name and shipping address name (as per MYKAD).
  • For any self-collection, the customer must bring their credit card upon collection. Authorization for another person to collect on behalf is prohibited.
  • BSM will carry out further verification by request customer to undersign and return a letter of "Credit Card Verification" before releasing the order otherwise we reserve the rights to cancel the order.
  • Should the credit card holder name is different as the billing name or shipping address name, we reserve the rights to cancel the order and make the refund accordingly.

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Bank Transfer

If you choose to pay via bank transfer, we will reserve your item for 30 minutes. If payment is not received within the time frame given, we reserve the right to cancel your order, or provide a new quotation based on the latest spot price.


The following are our bank details:


Account name Rolling Silver Holdings Sdn Bhd
Account no 5123-4363-3346
Recipient email order@buysilvermalaysia.com


Account name Rolling Silver Holdings Sdn Bhd
Account no 8003-3801-47
Recipient email order@buysilvermalaysia.com


Account name Rolling Silver Holdings Sdn Bhd
Account no 3178-5213-13
Recipient email order@buysilvermalaysia.com


Account name Rolling Silver Holdings Sdn Bhd
Account no 3535-5449-6102
Recipient email order@buysilvermalaysia.com


If you have QR-Code scanner on your phone, scan the QR-Code below for our company banking details. It has all the details you need to make payment at the ATM machine.



Upon making payment, kindly email us at order@buysilvermalaysia.com with the following details:


  • Your order number
  • Payment date and time
  • Transaction reference number

We may request proof of payment (bank-in slip, screen capture) if necessary. Please safeguard the payment receipt for references.


We will encourage customer to do Instant Bank Transfer instead of Interbank GIRO transfer to ensure the timing policy is met.



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Bank Transfering Above RM10,000 Limit

After locking the price and payment method, a non-refundable desposit of 20% or RM 10,000 (whichever higher amount) is required.


If your order is above RM10,000 and your daily bank transfer limit is RM10,000, we recommend splitting the payment using two or more banks for payment. Otherwise, kindly arrange the balance payment within the next working day.


If you require further assistance on this, please email us and we will advice accordingly.


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Cheque

Maximum payment for personal or corporate cheque is 80% of purchase price and is subject to additional 5 working days cooling period upon clearance for good release. Initial payment of 20% either in cash or bank transfer is strictly required. Kindly inform us in advance if you are paying with cheque.


All cheque should be crossed "A/C PAYEE ONLY" and made payable to "Rolling Silver Holdings Sdn Bhd" and drawn on a CIMB Bank, account no: 8003-3801-47.


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Walk-in Payment/Purchases

At the moment, we do not have the facility to service walk-in customer.


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Cash on Delivery

We use third party carriers to deliver our orders. With that, we are unable to receive your payment upon delivery.


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Misuse of Payment Facility

While we strive to provide the best possible service for our customers, we will not tolerate any misuse on our payment facility. We will have no choice but to suspend any accounts we find misusing our facility. In the event of credit card fraud, we will take stern action by alleviating the matter to legal authority.


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Invoicing Method

  • In compliance to Malaysia Goods & Services Tax (GST), we issue Tax Invoice. Each order will be applied to One Tax Invoice. We are unable to generate One Order with Multiple Tax Invoices.
  • Should customer is buying the item as gift, customer could request for Cash Receipt in the remark column during check out whereby customer’s profile will not be displayed on the Tax Invoice. Note: Only 1 Original Cash Receipt is issued for One Order.

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付款方式

我们接受以下两种付款方式:


  • 信用卡付款
  • 银行转帐付款

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信用卡付款

BSM是透过IPAY88提供顾客信用卡支付服务,接受绝大部分在马来西亚注册的银行所发出的信用卡。我们高度戒备网购交易,因此只接受附有3D保护措施的信用卡。


3D保护措施是一个额外的防护测量措施,通过VISA 或MASTERCARD SECURE CODE的核实,顾客还需输入私人密码以作为对电子付款的额外防护。


马来西亚 – 以下是附有3D保护措施的信用卡发行银行:


  • 马来亚银行 (Maybank)
  • 大众银行 (Public Bank)
  • 丰隆银行 (Hong Leong Bank)
  • 联昌国际银行 (CIMB Bank)
  • 兴业银行 (RHB Bank)
  • 马婆银行 (AmBank)
  • 安联银行 (Alliance Bank)
  • 华侨银行 (OCBC Bank)
  • 大华银行 (UOB Bank)
  • 花旗银行 (Citibank)
  • 渣打银行 (Standard Chartered Bank)
  • 汇丰银行 (HSBC Bank)
  • 艾芬银行 (Affin Bank)
  • 拉吉哈银行 (Al-Rajhi Bank)
  • 回教银行 (Bank Islam)
  • 国家储蓄银行 (Bank Simpanan Nasional)
  • 永世信贷财务 (Aeon Credit Services)
  • 回教教义银行 (Bank Muamalat)

新加坡 - 以下是附有3D保护措施的信用卡发行银行 (最新跟新日 1/06/2015) :


  • 花旗银行 (Citibank)
  • 渣打银行 (Standard Chartered Bank)
  • 星展银行 (DBS Bank)
  • 新加坡马来亚银行 (Maybank Singapore)
  • 华侨银行 (OCBC Bank)
  • 吉宝达利 (Keppel TatLee)
  • 大华银行 (UOB Bank)
  • 汇丰银行 (HSBC Bank)
  • 联昌国际银行 (CIMB Bank)

所有以信用卡支付的交易都是以逐一复查的方式为基准。大部分的信用卡支付交易必须呈交额外的所需资料并且由BSM决定是否接受及成立该交易。

以下是使用信用卡付款所必须遵守的基本准则:


  • 选择邮寄取货的顾客:信用卡持有者姓名必须与 收据姓名 (billing name) 及 收货人 姓名 相同,且其姓名必须遵照大马身份证 MyKad。
  • 选择上门自行取货的顾客:顾客必须带上其信用卡及身份证取货。凡授权于第三方取货是不被允许的。
  • 若信用卡持有者姓名与收据姓名 (billing name)收货人姓名 不相同,BSM 将在出货前作出进一步查证或保留取消交易的权利。

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银行转帐

若顾客使用银行转帐,我们将为您保留三十分钟付款时限。换言之,若我们没能在所指定的时间内收到相关款项,我们将保留权利取消该交易或根据最新市场价重新计算交易额。


以下是我们所提供的银行转账资讯:


户口名字 Rolling Silver Holdings Sdn Bhd
户口号码 5123-4363-3346
电邮地址 order@buysilvermalaysia.com


户口名字 Rolling Silver Holdings Sdn Bhd
户口号码 8003-3801-47
电邮地址 order@buysilvermalaysia.com


户口名字 Rolling Silver Holdings Sdn Bhd
户口号码 3178-5213-13
电邮地址 order@buysilvermalaysia.com


户口名字 Rolling Silver Holdings Sdn Bhd
户口号码 3535-5449-6102
电邮地址 order@buysilvermalaysia.com


若您的手机附有QR码扫描器,请扫描以下所提供的QR码获取相关银行转帐资讯。



请在付完款项后电邮以下资料至 order@buysilvermalaysia.com


  • 订单号码
  • 付款日期与时间
  • 转账参考号码 (Transaction reference number)

若有必要,我们也会同时要求相关付款单据 ( 银行进账单据,截载屏幕 )。因此,请保存付款单据作为参考。


相较于银行间接转账,我们鼓励顾客使用即时转帐以确保我们可以在所规定的时间内收到款项。



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交易款项限额RM10,000以上

若交易款项已超出RM10,000,顾客必须在指定的时间内附上“不可退还定金”即交易额的二十巴仙或至少RM10,000 ( 较高者为准)


若交易款项超出银行所规定的单日RM10,000的限额,我们建议可以分配透过不同的银行网上付款。否则必须安排隔天付清剩下的数额。


若有任何疑问,请联络我们。


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银行支票

对于公司与个人采购,最初的二十巴仙金额必须只能通过银行转帐支付,而支票最高付款金额为总额的八十巴仙且必须经过五天的工作日冷却时间后才能出货给顾客。若顾客决定使用支票支付余额,我们需要顾客提早通知以便作出适当安排。


所有支票上需注明“仅限账户收款人”及付款至“Rolling Silver Holdings Sdn Bhd”并且只能存入联昌国际银行户口(CIMB Bank),户口号码为:8003-3801-47.


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上门付款/ 门市采购

迄今为止,我们暂无提供此服务,非常抱歉。


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货到付款

基于通过第三方递送货物,因此无法向顾客提供货到付款的方式。


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防止交易欺诈

我们致力于提供顾客最好的服务也同时决不允许任何交易上的欺诈。当我们对其付款诚信有所保留时,无可避免的我们将冻结任何可疑的用户户口且交易将被取消。而对于信用卡欺诈,我们也将采取法律行动严厉对待。


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销售单据

  • 我们将依据马来西亚消费税条规发出纳税单据(Tax Invoice)。请注意,每宗交易只发出一张纳税单据
  • 若顾客所购买的产品是将作为礼物,顾客可以在订购时标注要求一张现金单据(Cash Receipt )即此单据将不会注明任何的姓名及相关资料。同样的,每宗交易只发出一张现金单据 。

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