Welcome to the MI MING MART online store. To ensure a seamless, secure, and rewarding shopping journey, we offer a wide range of convenient electronic payment gateways and an exclusive online loyalty scheme.

 

1. Accepted Payment Methods

We support various secure digital payment options and bank transfer methods. During the checkout process, you can select from the following options:

• Credit & Debit Cards: Visa, Mastercard, American Express (Amex), UnionPay

• Mobile Wallets & E-Payments: FPS (Faster Payment System), PayMe, Alipay HK, WeChat Pay HK

• Online Payment Platforms: PayPal

 

💡 Transaction Currency & International Orders

• Settlement Currency: All transactions on our website are processed and settled in Hong Kong Dollars (HKD).

• International Transaction Fees: If you are shopping from overseas using a non-Hong Kong issued credit card, your card issuer may charge a foreign exchange conversion fee based on current market rates. Please consult your bank for specific details.

 

2. M Point Loyalty Programme

To express our gratitude to our loyal customers, we offer an exclusive online rewards scheme to help you save while you shop!

⚠️ Important Notice: M Points earned on our online store are calculated and maintained independently from the “E-Stamps” reward system used in our physical retail shops. Points and rewards can be transferred between online and offline accounts, please click HERE for more details.

How to Earn M Points?

For every HK$300 spent (net purchase amount, excluding shipping fees) at our online store, you will receive 1 M Point. Points will be credited to your online member account once your order delivery is completed.

 

How to Redeem M Points for Discounts?

Once you have accumulated enough M Points, you can apply them directly as cash discounts on your next online checkout:

• Basic Redemption: Once you reach 10 M Points, you can redeem them for a HK$300 cash discount on your next transaction.

• Advanced Redemption: You may use 10 or more M Points in a single order. After the initial 10 points, each additional 1 M Point acts as a HK$30 discount.

  • Example: Using 11 M Points grants a HK$330 discount; using 12 M Points grants a HK$360 discount, and so forth.

 

3. Payment Security & Data Protection

🔒 100% Secure Shopping Guaranteed

At MI MING MART, your online security and privacy are our top priorities. Our platform utilizes 256-bit SSL (Secure Sockets Layer) encryption technology. All payment credentials are encrypted and processed securely by certified third-party payment gateways. We never store your full credit card details on our servers, ensuring an airtight transactional environment.

 

4. Payment Troubleshooting & FAQ

 

Q1: Why was my online payment declined or unsuccessful?

Payment issues are typically caused by minor security checks or system limits. Please check the following steps to troubleshoot:

1. Incorrect Information: Double-check that your card number, expiry date, and the 3-digit security code (CVV/CVC) on the back of your card are entered correctly.

2. 3D Secure Verification Failure: Ensure your mobile phone has stable reception and that you have entered the correct One-Time Password (OTP) sent via SMS by your bank.

3. Transaction Limits: Verify that your credit card or mobile wallet has sufficient funds or an adequate credit limit.

4. Bank Security Restrictions: Some banks automatically flag international or large online purchases for anti-fraud purposes. You can contact your card issuer to authorize the payment, or simply switch to an alternative method (such as FPS, PayMe, or PayPal) to complete your order.

 

Q2: How and when will I receive my refund if an order is cancelled?

For refunds approved in accordance with our Return and Exchange Policy, funds will be returned via the original payment method used during purchase (e.g., credited back to the same credit card or PayPal account).

• E-Wallets (PayMe / FPS): Usually takes 3 to 5 business days to clear.

• Credit Cards: Typically takes 7 to 14 business days to appear on your statement, depending entirely on your card issuer’s billing cycle and processing speed.

Contact Us: If you experience any technical difficulties during checkout, please feel free to reach out via our WhatsApp.