1. Company Information
Company Name: INSTANT PAYMENTS LIMITED
Business Registration No.: 79468211
Date of Incorporation: 24 December 2025
Registered Address:
RM 701, UNIT 127, 7/F, Tower B, New Mandarin Plaza,
14 Science Museum Road, Tsim Sha Tsui, Hong Kong
Customer Support Email: info@webicsconsulting.online
Customer Support Phone: +1 315 754 9890
INSTANT PAYMENTS LIMITED (“the Company”, “we”, “our”) provides custom coding, design services, digital design, and related digital solutions delivered electronically.
2. Billing & Payment Processing
All payments are securely processed through Airwallex, our regulated global payment service provider.
Accepted payment methods include:
- Debit and credit cards (Visa, Mastercard, American Express — where supported)
- Bancontact
- Trustly
- Other local payment methods supported by Airwallex
Payment processing complies with:
- Hong Kong commercial and financial regulations
- EU consumer protection laws and PSD2 Strong Customer Authentication (SCA)
- PCI-DSS card security standards
We issue one-time invoices only.
No subscriptions or recurring billing are offered.
3. Delivery of Services
Delivery depends on the type of service purchased:
Instant Delivery
For digital products or assets available immediately, customers receive full access instantly after successful payment.
Pay After Delivery (Post-Payment)
For approved custom or service-based projects, deliverables may be provided before payment, subject to project scope and internal approval.
All delivery terms are clearly communicated at the time of order.
4. Invoicing
Customers automatically receive an electronic invoice after payment.
Each invoice includes:
- Company name and registration number
- Service description
- Billing amount and currency
- Applicable taxes (if any)
- Invoice date and unique invoice number
- Customer support contact details
Custom or VAT-compliant invoices can be requested by emailing info@webicsconsulting.online.
5. Refund Policy (14-Day “No Questions Asked”)
We offer a simple and consumer-friendly refund policy:
14-Day Full Refund Guarantee
Customers may request a full refund within 14 days of purchase for any reason, including digital products and instantly delivered services.
- No explanation required
- No conditions apply (except identity verification where legally required)
Refund requests must be sent to:
info@webicsconsulting.online
Refunds are processed through the original payment method where possible.
This policy exceeds both Hong Kong and EU consumer protection requirements and aligns with banking and payment-processor compliance standards.
6. Disputes and Chargebacks
Customers are encouraged to contact us directly before initiating a chargeback so issues can be resolved quickly.
We comply with card-scheme regulations and reserve the right to contest unjustified chargebacks by submitting appropriate documentation to financial institutions.
7. Fraud Prevention & Compliance
To comply with Hong Kong and EU AML/KYC regulations, we may request additional verification for:
- High-value transactions
- Unusual or suspicious activity
- Requests initiated by Airwallex or card networks
We reserve the right to decline transactions that do not pass fraud or compliance checks.
8. Data Security
All payment information is handled exclusively by Airwallex.
We do not store sensitive payment data on our systems.
Our practices comply with:
- GDPR (EU)
- Hong Kong Personal Data (Privacy) Ordinance (PDPO)
- PCI-DSS standards (via Airwallex infrastructure)
9. Contact Information
For questions regarding billing, invoices, payments, refunds, or chargebacks:
Email: info@webicsconsulting.online
Phone: +1 315 754 9890