What Kinds of Payment Methods Are Accepted?

We support a wide range of secure payment methods, including PayPal, Visa, Mastercard, American Express (AMEX), UnionPay, Shop Pay, Klarna, and multiple local payment options.
All available payment methods will be displayed at checkout for your convenience.

Payment Failures

If you encounter issues during payment, here are some common problems and solutions.

1. Credit Card Payment Failed with Code 80010: Transaction Do Not Honour

Cause: The card-issuing bank perceives the transaction as risky, particularly for overseas transactions. This can happen due to bank policies or if the cardholder has set a limit on online purchases.

Solution: Contact your card-issuing bank to authorize the transaction or verify that it’s your purchase. You may also need to adjust your online spending limits.

2. Credit Card Payment Failed with Code 80090: Cannot Start 3D Authorized Service

Cause: The 3D verification service is not enabled.

Solution: Contact your card-issuing bank to enable 3D verification services. Ensure you complete the 3D verification steps or try using a different card.

3. Credit Card Payment Failed with Code 20061: Duplicate Order

Cause: The customer exited the 3D verification process and attempted to pay again, causing a duplicate transaction.

Solution: Complete the 3D verification process as prompted and avoid refreshing the page.

Exchange Rate Conversion

All transactions on em-smart.store are settled in USD. If you pay with a credit card denominated in a currency other than USD, your card-issuing bank may charge additional exchange rate fees or incur exchange rate losses. If you experience any additional fees, please contact your bank and request a refund if necessary.

Payment Security

Transactions are secure. All payments are processed through PayPal, a trusted third-party payment processor that uses encryption to secure your data.

Card information remains private. Em-Smart does not store any card information on its website, ensuring that your payment details are kept safe.

Checkout is protected. Our checkout process is safeguarded by industry-standard 128-bit SSL encryption, ensuring your personal information remains secure.

With Em-Smart, you can shop confidently, knowing that your payment information is safe and secure.

About Klarna：https://em-smart.com/pages/klarna