Payment Methods

1. A Safe and Convenient Payment Experience

At Ourgh, we want every shopping experience to be smooth, convenient, and reassuring. Whether you are selecting bedside tables, rugs, or wall lamps, we are committed to providing a clear and reliable checkout process so you can focus on finding the right products for your home.

Ourgh is operated by Jinping Yanglin E-Commerce Co., Ltd. and provides home goods to customers around the world. To help customers in different regions complete their orders using familiar payment methods, we currently accept eligible credit and payment cards only. You can review the payment options available on the checkout page and select a supported card that meets your needs.

We value transparency throughout the payment process. Before placing an order, please carefully review the product details, quantities, shipping address, delivery method, and total order amount. Once you have confirmed that all information is correct, follow the instructions on the checkout page to complete your payment. A clear checkout process helps reduce information errors and supports smoother order processing.

2. Accepted Credit Cards

Ourgh currently accepts the following card payment methods:

  • American Express

  • Diners Club

  • JCB

  • Maestro

  • Mastercard

  • Visa

  • Discover

Whether a particular card can be used successfully may depend on the issuing institution, card type, country or region, and the payment system's support for the transaction. Even if a card belongs to one of the listed brands, a payment may still be declined if the issuer has not enabled the relevant transaction permissions or the card does not support the transaction type.

Before making a payment, please ensure that your card is valid and has sufficient available credit or funds. If you are unsure whether your card supports online or international transactions, we recommend contacting your card issuer in advance.

3. How to Pay by Card

Please follow these steps to complete your order successfully.

Step 1: Select Your Products and Review Your Order. Add the items you want to your shopping cart and check the product names, specifications, quantities, and other order details to ensure that your selections meet your needs.

Step 2: Enter Your Shipping Information. Provide the recipient's name, complete delivery address, postal code, contact number, and any other required details. As Ourgh offers global shipping, address formats may vary by country or region. Please complete all fields according to the instructions on the checkout page.

Step 3: Select a Card Payment Method. Review the payment options available at checkout and select a card that you hold and that meets the transaction requirements. Please refer to the options actually displayed at checkout, as availability may vary depending on your location, card type, and payment processing conditions.

Step 4: Enter the Required Payment Information. Follow the on-screen instructions to provide the necessary card details and complete any identity or transaction verification requested by your card issuer or the payment verification page. Please ensure that all information is accurate to help prevent payment failures caused by mismatched details.

Step 5: Review and Submit Your Order. Before submitting your order, check the total amount, shipping information, and product details once more. After completing the payment process, review the order confirmation displayed on the website and keep the relevant records for future reference.

If you encounter a problem during payment, you may email customer@ourgh.com and briefly explain the issue. To protect your account and payment security, please do not send your full card number, security code, or other highly sensitive payment information by email.

4. Payment Amounts and Order Confirmation

Before you submit an order, Ourgh will display the relevant order details on the checkout page. Please refer to the amount shown in the order confirmation process, including the product prices, applicable shipping charges, and final amount payable. Total costs may vary depending on the products ordered, the delivery destination, and the applicable shipping conditions, so we recommend reviewing all charges carefully before completing payment.

After you submit your payment, the transaction may still need to be processed and confirmed by the payment system and your card issuer. A message indicating that you have completed the payment steps does not necessarily mean that every payment review has been finalized. An order can proceed to the next stage only after the relevant transaction has been confirmed and the order has been successfully created.

In some circumstances, your card issuer may require additional verification or temporarily restrict a transaction. If you do not receive an order confirmation promptly, please review the messages displayed on the website and check whether the corresponding transaction appears in your card account. If you still have questions, contact customer@ourgh.com and provide your order number and the necessary order details so we can help review the situation.

5. Payment Security and Information Protection

We understand that payment security is an essential part of online shopping. We therefore strive to maintain a clear and careful payment process and take appropriate measures to protect the information customers submit during order processing.

Card transactions may be processed through third-party payment service providers. Depending on the payment arrangements in place, certain transaction information may be handled by these providers to authorize payments, verify risks, confirm transactions, and perform necessary security checks. Such processing is subject to applicable service terms, privacy requirements, and legal obligations.

To help protect your payment information, please observe the following precautions:

  • Enter payment information only through the normal checkout process on the official Ourgh website.

  • Check the website address and order amount carefully before submitting your order.

  • Use a secure device and network, and avoid saving payment information on untrusted public devices.

  • Do not share your card security code, full card number, or banking verification details with others.

  • If you notice an unfamiliar transaction on your card, contact your card issuer promptly to investigate.

  • Keep your order confirmation details in a safe place so you can refer to them when necessary.

We will not ask you to provide your full card details through unofficial payment channels or recommend bypassing security verification procedures required by your card issuer or payment system. If you have questions about a payment, please verify the details through official order records and reliable communication channels.

6. What to Do If Your Payment Fails or Is Declined

If you cannot complete your payment at checkout, there is no need to panic. A transaction may fail for several reasons, including incorrect card details, an expired card, insufficient available credit, a declined transaction by the issuing bank, restricted international transaction permissions, or unsuccessful payment verification.

You can try the following steps:

  1. Confirm that the card number, expiration date, and other required details have been entered correctly.

  2. Check that your card is still valid and has sufficient available credit.

  3. Confirm with your card issuer that online purchases and relevant international transactions are permitted.

  4. Check whether the checkout page indicates that additional bank verification is required.

  5. If the payment still fails, contact your card issuer for further information. Before attempting payment again, make sure the previous transaction has not resulted in a duplicate charge.

Please note that Ourgh cannot override your card issuer's decision to approve or decline a transaction. Some payments may be affected by the bank's risk controls or security verification requirements. If you see a charge on your card but no order confirmation appears on the website, first contact your card issuer to verify the transaction status. You may then email customer@ourgh.com with the relevant order details so we can help check our records.

7. Duplicate Payments and Unrecognized Charges

If you believe that the same order has been charged more than once, or you notice a transaction on your card statement that you do not understand, please first review your order confirmation and banking transaction records. In some cases, a pending authorization displayed by your bank may differ from the final completed transaction. The time required for the amount to be updated or released depends on your card issuer and the payment processing procedure.

If you believe an irregularity has occurred, contact your card issuer promptly to investigate the transaction and confirm its status. You may also email customer@ourgh.com with your order number, transaction date, transaction amount, and a brief description of the issue. Please do not provide your full card number or security code, and do not attach unredacted payment card information to your email.

We will help review the matter based on the order information available to us. For authorization, reversal, or account-related issues handled by your card issuer or a third-party payment institution, the final outcome and processing time may depend on that institution's procedures.

8. Refunds and Returns to the Original Card

If your order qualifies for a refund under the applicable refund conditions, the refund will generally be processed through the original payment method. For card payments, the refund will normally be returned to the card used for the original transaction rather than being issued through an alternative channel that has not been verified.

Refund requests are reviewed in accordance with the applicable return, refund, and order processing policies. Once a refund has been approved, the processing time may depend on order verification, the payment processor, and the card issuer's billing cycle. As a result, the date a refund is submitted may differ from the date the amount appears on your card statement.

If you have received confirmation that a refund has been processed but cannot see the amount within a reasonable period, please review your card statement and pending transactions. If you need further assistance, contact customer@ourgh.com with your order number and relevant refund details. We will help you check the status based on the available order records.

9. International Payments and Regional Differences

Ourgh serves customers in different countries and regions with home goods shopping services. Banking regulations, card usage conditions, international transaction policies, and payment processing requirements may vary by location. As a result, some cards may not be accepted for certain transactions in specific regions.

Even if your card belongs to one of our supported card brands, this does not guarantee that every card issued by every financial institution in every country will be accepted. Actual availability depends on the options displayed at checkout, the results of payment system verification, and authorization from your card issuer.

When paying for an international order, please ensure that your billing information matches the records held by your card issuer and confirm that your card supports the relevant transaction. If your card cannot pass verification, we recommend contacting your issuing bank to check for restrictions rather than repeatedly submitting the same payment request.

10. Application and Updates to This Payment Policy

Ourgh is committed to continually improving the checkout experience. We may make necessary adjustments to our payment procedures and related information in response to operational arrangements, payment service requirements, and applicable laws. Available payment methods, verification steps, and processing requirements may change as our services develop.

This page is intended to help customers understand Ourgh's current card payment arrangements. It does not guarantee unconditional approval of every card transaction. Each payment remains subject to the requirements of the relevant payment system, card issuer, and applicable laws.

Before using the Ourgh website and submitting an order, please read the payment instructions displayed at checkout carefully and ensure that you understand the requirements. By providing accurate order and payment information, you can help reduce the likelihood of transaction failures and enjoy a smoother shopping experience.

We aim to provide a reliable shopping experience through transparent payment information, careful handling of submitted details, and clear order confirmation procedures, helping you shop with confidence as you choose products for your home.