At XSOOT, we are committed to providing a secure, transparent, and convenient payment experience for customers worldwide. This Payment Policy explains the payment methods we accept, how payments are processed, the security measures we use, and important information regarding currencies, refunds, and payment verification.
Secure Payments
Your security is our highest priority.
All payments made on www.xsoot.com are processed through a secure hosted payment environment using industry-standard encryption and fraud protection technologies.
XSOOT does not store or have direct access to your complete payment card details. Payment information is securely processed by our trusted payment partners.
Payment Gateway
XSOOT uses XPay Hosted Checkout, a secure payment solution powered by Habib Bank Limited (HBL) and processed through the Visa Cybersource payment network.
This hosted checkout environment provides:
- Secure payment processing
- PCI DSS compliant payment handling
- Advanced fraud detection
- 3D Secure authentication (where supported)
- Tokenized payment technology
- Encrypted payment sessions
- Real-time payment authorization
By using a hosted payment page, sensitive payment information is transmitted directly to our payment processor through secure encrypted connections.
Accepted Payment Methods
Depending on your country and available payment options, XSOOT may accept:
- Visa
- Mastercard
- American Express (where available)
- Discover (where available)
- Debit Cards
- Credit Cards
- Digital wallets and other payment methods supported by our payment gateway (where available)
Available payment methods may vary depending on your location.
Multi-Currency Checkout
To provide a convenient international shopping experience, XSOOT supports multiple currencies.
Customers may shop in currencies such as:
- US Dollar (USD)
- British Pound (GBP)
- Euro (EUR)
- Canadian Dollar (CAD)
- UAE Dirham (AED)
- Saudi Riyal (SAR)
- Pakistani Rupee (PKR)
- and other supported currencies.
Available currencies may change depending on your country and the payment methods supported at checkout.
Local Currency Payments
Whenever possible, XSOOT displays product prices and processes payments in the customer's selected or supported local currency.
This helps customers:
- Understand pricing more easily
- Avoid manual currency conversion
- Improve checkout transparency
If your local currency is unavailable, your payment may be processed in an alternative supported currency.
Currency Conversion
If your card issuer or bank uses a different billing currency than the currency selected during checkout, your financial institution may apply:
- Currency conversion
- Exchange rate adjustments
- International transaction fees
These charges are determined solely by your bank or card issuer and are outside XSOOT's control.
Payment Authorization
When you place an order, your bank or card issuer may perform a payment authorization.
This authorization confirms:
- The payment method is valid.
- Sufficient funds or credit are available.
- Security verification requirements have been met.
If authorization cannot be completed, your order may not be processed.
Security Verification
To protect both our customers and our business, some transactions may require additional verification.
Examples include:
- 3D Secure authentication
- Identity verification
- Fraud prevention review
- Address verification
- Card issuer confirmation
Additional verification requests help reduce unauthorized transactions and protect against payment fraud.
Fraud Prevention
XSOOT takes fraud prevention seriously.
Our payment processing systems may automatically review transactions for unusual or potentially fraudulent activity.
To protect customers, we reserve the right to:
- Request additional verification
- Delay shipment while verification is completed
- Cancel suspicious orders
- Refund payments for unauthorized or unverifiable transactions
These measures help maintain a secure shopping environment for all customers.
Order Confirmation
After successful payment, you will receive:
- Order confirmation email
- Order number
- Purchase summary
- Shipping confirmation when your order is dispatched
If you do not receive your confirmation email, please contact Customer Support.
Payment Failures
Payments may fail for several reasons, including:
- Incorrect card information
- Insufficient funds
- Card issuer restrictions
- Expired payment card
- Bank security verification
- Network interruptions
If your payment is declined, please contact your bank or card issuer before attempting another payment.
Taxes and Duties
Depending on your shipping destination, your order may be subject to:
- Sales tax
- Value Added Tax (VAT)
- Goods and Services Tax (GST)
- Import duties
- Customs fees
Where applicable, these charges may be collected during checkout or by local customs authorities upon delivery.
Customers are responsible for any taxes or import charges not collected at checkout.
Refunds
Approved refunds are processed according to our Return & Refund Policy.
Refunds are generally issued to:
- The original payment method used for the purchase, or
- Your XSOOT Store Wallet, where applicable or if selected.
Approved refunds are typically processed within 10 business days after the returned item has been received and approved. The time it takes for funds to appear in your account may vary depending on your bank or payment provider.
Chargebacks
If you believe a transaction on your account is unauthorized, please contact XSOOT Customer Support before initiating a chargeback with your bank.
We are committed to resolving payment-related issues promptly and fairly.
Submitting false or fraudulent chargebacks may delay the resolution process and affect future purchases.
Payment Security
For your protection:
- We do not store complete payment card numbers.
- Payment information is encrypted during transmission.
- Secure payment processing is handled through our hosted checkout environment.
- Industry-standard security measures are used to protect payment transactions.
Changes to This Payment Policy
XSOOT may update this Payment Policy from time to time to reflect changes in payment methods, technology, legal requirements, or business operations.
Any updates will be published on this page with a revised "Last Updated" date.
Contact Us
If you have any questions regarding payments, billing, or this Payment Policy, please contact us:
XSOOT (SMC-Private) Limited
Website: https://www.xsoot.com
Email: support@xsoot.com
Contact Page: https://www.xsoot.com/contact-us
Business Hours: Monday – Friday, 9:00 AM – 6:00 PM