Effective Date: June 6, 2026
Thank you for choosing CozyJoy. This Payment Policy describes how payments are handled when you place an order on cyzjy.com. It should be read alongside our Terms of Service, Privacy Policy, Shipping Policy, Returns and Refund Policy, and FAQ.
1. Payment Options We Accept
Our payment service provider is Oceanpayment(Direct). During checkout, the payment methods available may include Visa, Mastercard, American Express, Discover, and other options offered through Oceanpayment(Direct). The exact choices presented to you depend on your billing country, shipping destination, currency, card type, device, and Oceanpayment(Direct)’s availability.
The payment methods shown at checkout are the ones you can use for that order. We do not accept payment methods that are not displayed at checkout.
2. Payment Processing and Fees
Payments are securely processed by Oceanpayment(Direct). According to our payment configuration, Oceanpayment(Direct) charges a 2% transaction fee, and card processing rates are determined by Oceanpayment(Direct). These are processing costs related to our use of Oceanpayment(Direct) and are not an extra 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 otherwise stated. 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 or recipient’s responsibility unless stated otherwise at checkout, as explained in our Shipping Policy.
3. Currency and Bank Fees
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. CozyJoy 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. Authorization and Charges
When you place an order, you authorize 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@cyzjy.com or cyzjy3@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 CozyJoy.
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@cyzjy.com; cyzjy3@126.com
Store Website: cyzjy.com
Contact Phone: +86 151-6803-1954
Company Information
Brand: CozyJoy
Website: cyzjy.com
Legal Entity: Dongyang Longming Daily Necessities Co., Ltd.
Store Operator: Dongyang Longming Daily Necessities Co., Ltd.
Unified Social Credit Code: 91330783MAEUQH3D3B
Registered Address: Room 402, 4th Floor, No. 76 Zengping Road, Baiyun Subdistrict, Dongyang City, Jinhua City, Zhejiang Province, China
For return-related matters, please do not ship items to our registered address unless our team has instructed you to do so. Contact us before sending a return so we can provide the current return warehouse address. If the phone line is busy, reach us by email or through the store backend. We will respond promptly. Customer service hours: Monday–Friday, 9:30 AM–12:00 PM and 2:00 PM–6:30 PM.
Current return warehouse address:
Attn: Return Authorization 43-XNP-2
Warehouse: Red Stag Fulfillment – Suite 209
500 Red Stag Way
Sweetwater, TN 37874
United States
Customer Service Email: support@cyzjy.com；cyzjy3@126.com
Contact Phone: +86 151-6803-1954
CozyJoy is operated by Dongyang Longming Daily Necessities Co., Ltd., which oversees cyzjy.com, order processing, customer service, and related ecommerce operations.