Payment Policy

1. Prices and currency

Unless otherwise stated in writing:

• Prices displayed on the QGO Business website are quoted in United States dollars (USD).
• The amount shown on the final checkout or invoice page is the amount payable to QGO Business.
• Package prices cover only the services expressly listed in the applicable package, proposal or invoice.
• Optional services, upgrades, overtime, non-English interpretation, medical services, insurance services and other third-party arrangements may require a separate written quotation.
• Any applicable tax, government charge or mandatory third-party charge will be disclosed before payment where required.

2. Public package payments

The following public packages require full payment at checkout:

• Canton Fair Essential Business Package
• Business Concierge Package
• Twin-Sharing Business Concierge

Twin-Sharing Business Concierge must be purchased for two guests travelling together.

Custom, executive or higher-value arrangements may be available only through a written proposal or private invoice.

3. Availability review after payment

After a successful payment, the payment status may be shown as:

Payment received — availability review in progress.

This means:

• QGO Business has received or verified the payment;
• the requested dates, suppliers and operational arrangements are being reviewed;
• no specific hotel, vehicle, interpreter, factory, itinerary or third-party provider has yet been finally confirmed.

Payment does not by itself create a final booking confirmation.

4. Final booking confirmation

A booking becomes confirmed only when QGO Business issues a written final confirmation after completing the availability review.

The final confirmation may include:

• confirmed service dates;
• confirmed hotel or room arrangement;
• vehicle and transfer details;
• interpreter arrangements;
• approved factory or supplier visits;
• final itinerary;
• changes required because of availability or operational conditions.

If a requested arrangement is unavailable, QGO Business may:

• propose a reasonable alternative;
• request the customer’s written approval for a change;
• adjust the service scope or price by written agreement; or
• process an applicable refund in accordance with the Refund Policy.

5. Accepted payment methods

Available payment methods will be displayed during checkout or on the applicable payment page.

Online payments may be processed by Airwallex or another authorised payment service provider selected by QGO Business.

The availability of a payment method may depend on:

• the customer’s country or region;
• the transaction currency;
• the issuing bank;
• the card or payment method;
• fraud, compliance or risk checks;
• payment provider availability.

QGO Business does not guarantee that every payment method will be available in every country.

6. Payment authorisation and verification

A payment may be subject to:

• card authorisation;
• 3D Secure authentication;
• identity or fraud checks;
• payment provider compliance checks;
• bank approval;
• additional information requests.

QGO Business may delay the availability review until the payment is successfully completed and verified.

A pending, declined, cancelled or failed payment does not create a paid booking.

7. Customer payment details

When online card payment is enabled, payment details are processed through the authorised payment service provider.

QGO Business does not require customers to send full card numbers, card security codes or online banking passwords through email, WhatsApp or other messaging channels.

Customers should use only the official QGO Business checkout, private invoice or payment link supplied by QGO Business.

8. Bank, card and currency charges

The customer is responsible for any fee charged directly by the customer’s:

• bank;
• card issuer;
• payment provider;
• digital wallet provider;
• foreign-exchange provider.

These may include:

• foreign-exchange charges;
• cross-border transaction fees;
• card issuer fees;
• transfer fees;
• other charges imposed outside QGO Business.

Such charges are not controlled by QGO Business and are not normally refundable or reimbursable by QGO Business.

The amount ultimately charged in the customer’s local currency may vary according to the exchange rate and fee applied by the customer’s provider.

9. Payment failures and incomplete payments

A payment may fail because of:

• incorrect card or billing information;
• insufficient funds;
• bank restrictions;
• expired cards;
• authentication failure;
• regional payment restrictions;
• fraud or compliance checks;
• temporary payment provider errors.

If payment fails, the customer should:

• review the billing information;
• contact the issuing bank where appropriate;
• retry using an available payment method; or
• contact QGO Business for assistance.

QGO Business will not treat a failed or incomplete payment as a confirmed purchase.

10. Duplicate or incorrect payments

If a customer believes that a duplicate or incorrect payment has occurred, the customer should contact QGO Business promptly and provide:

• customer name;
• order or invoice number;
• payment date;
• amount;
• last four digits of the card where appropriate;
• a screenshot or bank reference with sensitive information removed.

QGO Business will review the transaction records before processing any correction or refund.

11. Receipts and records

After a successful payment, the customer may receive:

• an on-screen payment confirmation;
• an order confirmation;
• an email receipt;
• an invoice or payment record.

A payment receipt confirms the payment transaction only. It does not replace the final written booking confirmation.

Customers should retain their receipt, order number and final confirmation for reference.

12. Cancellations and refunds

Payment cancellation and refund eligibility are governed by the separate Refund Policy and the specific proposal, package or invoice accepted by the customer.

Where a refund is approved:

• it may be full or partial;
• it will normally be returned to the original payment method;
• QGO Business may require verification before initiating the refund;
• the refund amount cannot exceed the remaining refundable amount of the original transaction.

After QGO Business submits an approved refund, the payment provider may require processing time. Airwallex states that refunds are typically processed in approximately one to two business days, but the time for the funds to appear in the customer’s account depends on the issuing bank or payment provider.

QGO Business cannot control the customer’s bank posting time.

13. Chargebacks and payment disputes

Customers should contact QGO Business before initiating a chargeback or payment dispute so that the matter can be reviewed promptly.

Customers should provide the order number, payment reference and a clear explanation of the issue.

Nothing in this section limits any legal right that cannot lawfully be excluded.

If a payment is already subject to a chargeback or formal dispute, a separate refund may be restricted to prevent duplicate reimbursement.

14. Private invoices and proposals

Some services are offered only through a written proposal or private invoice.

A private invoice may include:

• customer-specific service scope;
• payment stages;
• deposit or full-payment requirements;
• proposal number;
• agreement version;
• project details;
• payment deadline;
• special cancellation or refund conditions.

Where a private invoice or signed agreement contains payment terms that differ from this general Payment Policy, the expressly agreed customer-specific terms will apply to that transaction.

15. Changes to prices or scope

QGO Business will not change the price of an already completed payment without the customer’s written agreement.

If the customer requests additional services or changes after payment, QGO Business may issue:

• a supplementary quotation;
• a revised proposal;
• an additional invoice;
• a partial refund;
• a written change confirmation.

16. Fraud prevention and right to refuse payment

QGO Business may refuse, cancel, hold or request further verification for a transaction where reasonably necessary because of:

• suspected fraud;
• unauthorised use;
• sanctions or compliance concerns;
• payment provider restrictions;
• incorrect information;
• duplicate orders;
• security risks.

Any refund arising from such a review will be handled in accordance with the Refund Policy and applicable law.

17. Privacy

Personal and transaction information is handled in accordance with the QGO Business Privacy Policy.

Payment providers may separately process information under their own privacy notices and legal obligations.

18. Governing law

This Payment Policy and payment-related contractual matters are governed by the laws of the Hong Kong Special Administrative Region.

This does not remove any mandatory consumer protection that applies to the customer and cannot lawfully be excluded.

19. Contact

For questions about a payment, invoice, receipt or refund request, contact:

QGO Business
Email: contact@qgobusiness.com
WhatsApp: +44 7568 269564

Please include the relevant order or invoice number. Do not send full card details or card security codes by email or WhatsApp.