PAYMENT POLICY

Last Updated: 24 October 2026

This Payment Policy explains the payment methods, payment processing, order confirmation and payment-related terms applicable to purchases made through PS FYQA, operated by LEGASI DM (CA0402199-K).

By placing an order with us, you agree to the terms outlined in this Payment Policy.

1. BUSINESS INFORMATION

Business Name: LEGASI DM
Brand: PS FYQA
SSM Registration No.: CA0402199-K

Phone: 010-335 2524
Email: psfyqa@legasidm.com

Address:
A-3-8, Mutiara Anggerik Service Apartment,
Jalan Tukul Q15/Q, Seksyen 15,
40000 Shah Alam, Selangor, Malaysia

2. AVAILABLE PAYMENT METHODS

PS FYQA currently accepts payments through the following payment methods:

2.1 Online Banking via CHIP

Customers may make payment using online banking / FPX through our payment gateway powered by CHIP.

Depending on the options made available by the payment gateway and the customer’s bank, customers may be able to select their preferred participating bank during checkout.

Payment must be successfully completed before an order can be confirmed and processed.

2.2 Atome – Buy Now, Pay Later

PS FYQA also offers Atome Buy Now, Pay Later as a payment option for eligible customers.

Atome allows customers to split an eligible purchase into instalments, subject to Atome’s approval, eligibility requirements and applicable terms.

When selecting Atome at checkout:

Select Atome as your payment method.
Follow the instructions provided by Atome.
Complete the required verification or authorization.
Once the payment is successfully approved and confirmed, the order will be processed by PS FYQA.

The availability of Atome and the applicable instalment options are determined by Atome and may vary depending on the customer’s eligibility, transaction amount and other applicable conditions.

Customers using Atome are also subject to Atome’s own terms, conditions and privacy policy.

3. PAYMENT CONFIRMATION

An order will only be considered successfully paid when the payment has been successfully confirmed by the relevant payment provider.

A payment transaction that is:

Pending
Failed
Cancelled
Declined
Reversed
Incomplete

will not be considered a completed payment.

PS FYQA reserves the right to delay order processing until successful payment confirmation is received.

4. ORDER PROCESSING

Once payment has been successfully confirmed, we will proceed with processing the order according to our normal order fulfilment and personal shopper procedures.

For personal shopper orders, processing may involve purchasing or arranging the requested item from the relevant supplier, merchant or source.

Customers may receive order or payment confirmation through the contact information provided during checkout.

5. PAYMENT ERRORS

If you experience an error while making payment, please do not immediately make multiple payments for the same order.

Please contact us so that we can check the payment status and assist you.

If you believe that you have been charged more than once for the same transaction, please provide us with the relevant transaction details so that we can investigate.

6. FAILED OR UNSUCCESSFUL PAYMENTS

If a payment fails or is declined, the order may not be processed.

Customers may attempt the payment again using an available payment method.

PS FYQA is not responsible for payment failures caused by:

Bank system interruptions
Payment gateway technical issues
Incorrect banking information
Insufficient funds
Bank restrictions
Atome eligibility or approval decisions
Internet connection problems
Third-party payment service interruptions

7. ATOME PAYMENT RESPONSIBILITY

When using Atome, the instalment arrangement is between the customer and Atome, subject to Atome’s applicable terms and conditions.

PS FYQA does not determine:

Customer eligibility for Atome
Instalment approval
Customer’s Atome spending limit
Instalment schedule
Fees or charges imposed by Atome
Payment decisions made by Atome

Customers should refer to Atome directly for questions relating to their instalment account, repayment schedule or Atome-specific charges.

8. REFUNDS

Where a refund is approved by PS FYQA, the refund will generally be processed through the applicable payment method or payment provider used for the original transaction, where technically and operationally possible.

The time required for a refund to appear in the customer’s account may vary depending on the payment provider, bank or financial service provider.

For Atome transactions, refunds may also be subject to Atome’s applicable procedures and processing timelines.

A refund does not necessarily mean that any instalment or payment obligation with Atome is immediately cancelled. Customers using Atome should refer to Atome for the status of their instalment arrangement.

9. CURRENCY

Unless otherwise stated, all prices displayed by PS FYQA are in Malaysian Ringgit (RM).

Any currency conversion, foreign exchange rate or additional charge imposed by a customer’s bank or payment provider is the responsibility of the customer.

10. PAYMENT SECURITY

Payment transactions are processed through third-party payment providers and financial institutions.

PS FYQA does not intentionally store complete credit or debit card details on our own website or systems.

Customers should ensure that payment information is entered only through the official payment interface provided during checkout.

We will never knowingly request your full banking password, PIN, TAC or OTP through WhatsApp, Telegram, email or social media.

11. THIRD-PARTY PAYMENT PROVIDERS

Payments may be processed by third-party providers, including:

CHIP – for online banking / payment processing
Atome – for Buy Now, Pay Later services
Banks and financial institutions involved in processing the transaction

These providers may have their own terms, conditions and privacy policies.

Customers are encouraged to review the applicable terms and policies of the relevant payment provider before completing a transaction.

12. PAYMENT DISPUTES

If you believe there is an issue with a payment or transaction, please contact PS FYQA as soon as possible.

Please provide relevant information such as:

Order number
Customer name
Date and time of transaction
Payment method
Transaction reference, where available
Screenshot or proof of payment, where applicable

We will review the matter and assist where reasonably possible.

13. CHANGES TO THIS PAYMENT POLICY

PS FYQA reserves the right to update or amend this Payment Policy from time to time.

Any changes will be published on this page with an updated “Last Updated” date.

14. CONTACT US

For payment-related questions or assistance, please contact:

LEGASI DM / PS FYQA