At Lumi Korea, we strive to make your online shopping experience safe, convenient, and transparent. This Payment Policy explains the accepted payment methods, transaction procedures, security measures, and refund guidelines for all purchases on our platform.

1. Accepted Payment Methods

We provide multiple secure payment options to make shopping easy and hassle-free:

• Cash on Delivery (COD) – Pay when your order arrives at your doorstep.

• Credit/Debit Cards – Visa, MasterCard, American Express, etc.

• Mobile Banking & e-Wallets – bKash, Rocket, Nagad, and other trusted providers.

• Online Bank Transfers – Direct transfer to our authorized bank accounts.

2. Payment Procedure

• Choose your preferred payment method at checkout.

• Complete the transaction securely through our encrypted payment gateway.

• For COD orders, payment must be made in full at the time of delivery.

• You will receive an order confirmation email or SMS once payment is successful.

3. Security & Privacy

• All payment information is encrypted and processed securely through trusted payment gateways.

• Lumi Korea never stores your credit card information on our servers.

• Transactions are monitored to prevent fraud and unauthorized access.

4. Refunds & Cancellations

• Order Cancellation: Orders can be canceled before shipment. Contact our support team immediately.

• Refunds: Refunds are processed through the original payment method within 5–7 business days.

• Partial Refunds: May apply in case of damaged or returned products.

• Return & Exchange: Refer to our Return & Exchange Policy for detailed instructions.

5. Payment Disputes

• If you experience any issues with your payment, contact our customer support team immediately.

• We will assist you in resolving the matter quickly and efficiently.

6. Contact Us

For questions regarding your payment, email us at [Insert Contact Email] or call [Insert Contact Number].