ACCEPTABLE PAYMENT METHODS

Online Orders

For online purchases, JOYNEST currently accepts payments through PayPal

You may be able to complete your purchase using a PayPal account or other payment methods supported by PayPal in your region, subject to PayPal's terms and availability.

In-Store Purchases

For purchases made at a JOYNEST store, we accept a variety of payment methods, including:

• Cash
• Debit cards
• Credit cards (Visa, Mastercard, American Express, Discover)
• Contactless and mobile wallet payments (such as Apple Pay, Google Pay, and Samsung Pay, where available)
• Other payment methods accepted at the point of sale

Accepted payment methods may vary by store location.

Currency

Online Orders

All online transactions are processed in U.S. Dollars (USD).

In-Store Purchases

All in-store transactions are processed in Vietnamese Dong (VND).

If you use a payment method issued in a different currency, your bank, card issuer, or payment provider may apply currency conversion rates and related fees.

Bank Fees and International Charges

Depending on your bank, card issuer, payment provider, or account settings, additional charges may apply, including:

• Foreign transaction fees
• Currency conversion fees
• International processing fees
• Other bank or card issuer charges

These fees are determined and charged solely by your financial institution or payment provider. JOYNEST does not control, collect, or receive these fees.

Transaction Descriptors

The merchant name, transaction description, or processing location shown on your bank statement, credit card statement, or payment account may vary depending on the payment processor, financial institution, or payment method used.

If you have questions regarding fees, exchange rates, or transaction descriptions, please contact your bank, card issuer, or payment provider directly.