Payment Policy

1. Accepted Payment Methods

Specific payment method availability for your order will be confirmed in the Pro-forma Invoice. Not all methods may be available for all order sizes or destination countries.

2. Bank Wire Transfer (Telegraphic Transfer)

Bank wire transfer is our preferred method for international B2B orders. Beneficiary bank details will be provided on the Pro-forma Invoice. Do not use bank details from any other source.

Please include the Pro-forma Invoice number as the payment reference. Please send proof of payment (SWIFT copy) to tp.mahanakorn@gmail.com to expedite order processing. Incoming funds are credited upon receipt by our bank. International TT may take 1–5 business days depending on the sending bank and correspondent banking route.

All bank charges outside Thailand are for the account of the Buyer. The Company must receive the full invoice amount net of any bank deductions. If a bank deduction results in a shortfall, the Buyer is responsible for topping up the difference before production commences.

3. Online Payment Gateways

We offer secure online payment via three certified payment gateways:

When paying online, you will be redirected to our payment gateway's secure page. Your card or account details are entered directly on the gateway's PCI DSS-compliant system. We receive only a transaction confirmation and reference — never your full card number.

Online payments are available for orders up to a maximum threshold set by each gateway. For large orders, please use bank wire transfer or Letter of Credit.

4. Letter of Credit (L/C)

We accept irrevocable Documentary Letters of Credit for international orders over USD 50,000 (or equivalent). The L/C must be issued by a first-class bank acceptable to the Company and must be:

• Irrevocable and confirmed (if required by the Company)
• Transferable (if required by the Company)
• At sight or with deferred payment terms as agreed
• Subject to UCP 600 (Uniform Customs and Practice for Documentary Credits)
• Opened in favour of Mahanakorn Tapioca Co., Ltd. with the exact name and address as registered

The L/C must be received and verified by our bank before production commences. The Company reserves the right to reject L/Cs from banks with unacceptable risk ratings or subject to sanctions.

5. Currency

We quote and invoice in the following currencies:

• USD (US Dollar) — default for international orders
• THB (Thai Baht) — domestic Thai orders
• EUR (Euro) — available for EU buyers upon request
• CNY (Chinese Yuan) — available via Ksher QR payment

Exchange rates applied to online card payments are determined by your card issuer or payment gateway at the time of transaction. The Company is not responsible for currency conversion differences.

6. Invoicing and Tax Receipts

Pro-forma Invoice (PI) — issued upon order confirmation; used to initiate payment. Not a VAT/tax invoice.

Commercial Invoice — issued upon shipment; for customs clearance purposes. States product description, HS code, quantity, unit price, and total value (FOB or agreed Incoterm).

Thai VAT Tax Invoice (ใบกำกับภาษี) — issued for domestic Thai customers registered for VAT. VAT is 7%. Please provide your company tax ID (เลขประจำตัวผู้เสียภาษี) at time of order to receive a tax invoice.

Receipt / Payment Confirmation — issued upon receipt of cleared payment (TT or online payment).

Copies of all invoices can be requested by emailing tp.mahanakorn@gmail.com with your order reference.

7. Payment Security

We take payment security very seriously:

• SSL/TLS encryption — all data transmitted on mntapioca.com is encrypted via HTTPS
• PCI DSS compliance — card data is handled exclusively by our PCI DSS-certified payment partners. We have no access to full card numbers, CVV, or card expiry dates
• 3D Secure (3DS2) — supported on Omise and 2C2P to provide additional cardholder authentication
• Tokenisation — payment gateways tokenise card data; tokens are used for refund processing only
• Fraud screening — all transactions are screened by our payment gateways' fraud detection systems

The Company is PDPA Compliant. Payment-related personal data is handled in accordance with our Privacy Policy.

8. Fraud Prevention and Prohibited Transactions

We reserve the right to reject or cancel any order or payment that we reasonably suspect involves:

• Fraudulent or stolen card use
• Misrepresentation of identity or business entity
• Transactions involving sanctioned countries, entities, or individuals
• Money laundering or other financial crimes
• Chargeback abuse

In such cases, the Company may cancel the order, reverse the payment where possible, and report the matter to relevant authorities. Confirmed fraudulent orders will be reported to the Royal Thai Police and to relevant payment network fraud departments.

If you believe your payment was processed in error or without authorisation, contact us immediately at tp.mahanakorn@gmail.com.

9. Payment Inquiries