# Payment Policy

## **Flexible Payments**

  

All accepted payment methods, transaction error codes, bank rejection reasons, and risk order verification rules are fully listed on this page. No hidden payment surcharges, mandatory membership fees, or undisclosed checkout costs apply to any order.

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-visa.svg?v=1783070213) Visa

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-master.svg?v=1783070213)Master

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-american_express.svg?v=1783070213)American Express

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-maestro.svg?v=1783070213)Maestro

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-jcb.svg?v=1783070213)JCB

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-diners_club.svg?v=1783070213)Diners Club

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-discover.svg?v=1783070213)Discover

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-paypal.svg?v=1783070213)PayPal

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-apple_pay.svg?v=1783070213)Apple Pay

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-google_pay.svg?v=1783070213)Google Pay

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-klarna.svg?v=1783070213)Klarna

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-afterpay.svg?v=1783070213)Afterpay

![Twitter Bike Factory Payments](https://cdn.shopify.com/s/files/1/0798/5902/4057/files/Twitter-Payments-bankdeposit.avif?v=1783070213)Bank Deposit

  

## **PayPal Account**

  

Company: HongKong Chitu International Trading Co., Limited  
PayPal Email: paypal@twitterbikefactory.com

The Hong Kong operating company PayPal's entity name is HongKong Chitu International Trading Co., Limited.

  

## **Common reasons for payment failure**

  

**Payment not successful? Follow these 3 steps:**  
  
**Step 1: Check with your bank**  
Sometimes your bank blocks international or online transactions for security reasons. Call your bank and ask them to:  
Allow the transaction to our merchant  
Temporarily increase the daily spending limit (if needed)  
  
**Step 2: Try another payment method**  
If card payment keeps failing, switch to another method at checkout.  
  
**Step 3: Contact us for manual support**  
Still having issues? Please don't hesitate to ask our support team for help.

  

## **Payment Error Codes**

  

**80000 – Transaction Approved**  
Meaning: Your payment was successful.  
Action: No action needed. You will receive an order confirmation.  
  
**80010 – Transaction Do Not Honour**  
Meaning: Your bank declined the transaction, possibly due to security concerns, cross border block, or account issues.  
Action:  
Call your bank (number on back of card). Tell them: "I’m making a payment, please allow it."  
Ask your bank to enable cross border / online payments and lift any temporary limit.  
Wait 10–15 minutes and try again, or use another card.  
  
**80011 – Refer to Card Issuer**  
Meaning: Your bank needs to verify something about the transaction or your card status.  
Action: Call your bank, ask why the payment was blocked, and request approval. Then try again or use another card.  
  
**80012 – Payment Declined**  
Meaning: Your bank declined the payment. Common reasons: frozen card, wrong details, or risk flag.  
Action: Check your card status (not expired/lost/frozen). Verify card details. Call your bank to remove any block. Retry or use a different card.  
  
**80013 – Transaction Not Permitted On Card**  
Meaning: Your card type does not support this cross border payment (e.g., corporate card, prepaid card, or domestic‑only card).  
Action: Use a regular credit/debit card that supports international online payments. Or try PayPal.  
  
**80014 – Duplicate Transaction**  
Meaning: You already paid for this order. Another payment attempt using the same order number is blocked.  
Action: Please create a new order (new basket) and pay again if needed.  
  
**80020 – Invalid Amount**  
Meaning: The payment amount is invalid (zero, negative, or malformed).  
Action: Please contact customer support – this may be a technical issue.  
  
**80021 – Invalid Card Number**  
Meaning: The card number you entered is incorrect or doesn’t exist.  
Action: Re-enter your 16‑19 digit card number carefully, without spaces.  
  
**80022 – Not Sufficient Funds**  
Meaning: Your card doesn’t have enough balance or credit limit for this purchase.  
Action:  
For debit cards: top up your account.  
For credit cards: pay down the balance or ask your bank to raise the limit.  
Use another card or payment method.  
  
**80023 – Expired Card / Wrong Expiry Date**  
Meaning: Your card has expired, or the expiry date you entered is incorrect.  
Action: Check the MM/YY on your card. If expired, use another card. If still valid, re-enter correctly.  
  
**80024 – Incorrect PIN**  
Meaning: The PIN you entered for verification is wrong.  
Action: Re-enter carefully. If you fail multiple times, your card may be locked – call your bank.  
  
**80025 – Restricted Card / Retain Card**  
Meaning: Your card is blocked by the bank due to security reasons (lost, stolen, fraud risk).  
Action: Call your bank immediately. Do not keep trying – use a different card.  
  
**80026 – Invalid CVV**  
Meaning: The security code (CVV/CVC) you entered is incorrect.  
Action: For Visa/Mastercard, use the 3 digits on the back of the card. For Amex, use the 4 digits on the front. Re-enter carefully.  
  
**80027 – Exceeds Payment Limit**  
Meaning: The transaction amount exceeds your card’s single‑transaction or daily limit.  
Action: Call your bank and ask to increase the limit temporarily, or split the payment into smaller amounts (using multiple orders).  
  
**80028 – Invalid Account Type**  
Meaning: The account type (credit/checking/savings) you are using is not valid for this payment.  
Action: Use a different card that supports cross border online payments.  
  
**80030 – Bank Declined**  
Meaning: Your bank declined the transaction for various possible reasons (frozen card, no cross border permission, risk rules).  
Action: Call your bank, ask why, and request to allow the payment. Then try again or use another card.  
  
**80031 – Time Out**  
Meaning: You took too long on the payment page, or your network disconnected.  
Action: Wait 5-10 minutes, then create a new order and complete payment promptly.  
  
**80032 – Invalid Merchant**  
Meaning: Your card is restricted to certain merchants only (e.g., only local stores).  
Action: Try a different card or use PayPal.  
  
**80034 – Invalid Transaction Card/Issuer/Acquirer**  
Meaning: Card information or routing is invalid.  
Action: Double check your card details. If correct, contact customer support – we’ll help investigate.  
  
**80035 – Format Error**  
Meaning: The payment request contains incorrectly formatted data (technical issue).  
Action: Please contact our support team – we will check the data transmission.  
  
**80036 – Transaction Not Allowed**  
Meaning: Your bank does not allow this type of transaction. Possible reasons: no cross border payment, risk control, or geographical restriction.  
Action: Call your bank to enable cross‑border payments and remove restrictions. Try again or use another card.  
  
**80038 – Transaction Not Permitted on Term**  
Meaning: Your bank does not allow this specific transaction at this time (e.g., time based restrictions).  
Action: Call your bank to ask for the exact reason. Try another card or PayPal.  
  
**80039 – Wrong PAN**  
Meaning: The Primary Account Number (card number) you entered is wrong.  
Action: Re-enter your full card number carefully, digit by digit.  
  
**80040 – Lost/Stolen Card**  
Meaning: The card has been reported lost or stolen.  
Action: Stop using this card immediately. Contact your bank to get a new card. Use another card for this purchase.  
  
**80041 – Suspected Fraud / Retain Card**  
Meaning: The system flagged this transaction as potentially fraudulent.  
Action: Call your bank, confirm that you are the genuine cardholder, and ask them to release the hold. Then retry or use another card.  
  
**80042 – Not Allow to Pay in This Website**  
Meaning: Your bank restricts payments to this specific website.  
Action: Call your bank and ask to whitelist our merchant. Alternatively, use a different card or PayPal.  
  
**80053 – Authorisation Void**  
Meaning: A previously obtained authorisation was voided by your bank (risk rule, timeout, or policy).  
Action: Call your bank to understand why. Once resolved, create a new order and try again.  
  
**80070 / 80071 / 80074 / 80043 – Declined by Bank Risk System**  
Meaning: Your bank’s automated risk system blocked the transaction (unusual behavior, blacklist, etc.).  
Action: Call your bank, state that you are the real cardholder, and ask them to allow the transaction. Wait and retry, or use another card.  
  
**80072 – Declined by Bank Limit**  
Meaning: The transaction exceeds your card’s single‑transaction or daily limit.  
Action: Call your bank to raise the limit temporarily, or split your payment into smaller orders.  
  
**80090 – Cannot Start 3D Authorised Service**  
Meaning: Your card or bank does not support 3D Secure, or your network/device blocked it.  
Action:  
Check your internet connection (switch Wi-Fi/mobile data).  
Use Chrome browser.  
Call your bank to confirm if 3D Secure is enabled on your card.  
  
**80091 – Cardholder Fail to Pass 3D Authorised Service**  
Meaning: You failed the 3D Secure verification (wrong code, timeout, or bank restriction).  
Action:  
Enter the SMS verification code correctly within 10 minutes.  
If you never receive the code, call your bank to enable 3D Secure.  
Retry after a few minutes.  
  
**80093 – 3D Authorised Service Not Completed**  
Meaning: You closed the verification window before completing the process, or network issues interrupted it.  
Action:  
Do not close the 3D Secure page during verification.  
Stay within 10 minutes.  
Use a stable network and retry.  
  
**80100 / 80700 – Transaction Was Not Finished80100 / 80700 – Transaction Was Not Finished**  
Meaning: The payment process was interrupted (page closed, network lost).  
Action: Check your bank account/credit card to see if you were charged. If not charged, create a new order and try again.  
  
**80101 – Customer Canceled Transaction**  
Meaning: You clicked “Cancel” during payment.  
Action: No problem – simply start a new payment if you still wish to buy.  
  
**10000 – High Risk Order**  
Meaning: Orders flagged as high risk by our anti-fraud system will require identity verification (order number + last 4 digits of payment card) before order processing; no automatic order cancellation without prior customer notice.  
Action: Please contact our support team with your order number and card details (last 4 digits).  
  
**20061 – Duplicate Order**  
Meaning: You already successfully paid for the exact same order number within the last 30 days.  
Action: Do not pay again. If you need to make another purchase, please create a separate new order.  
  
**20038 – Invalid Expiry Date**  
Meaning: The expiry date format is wrong (should be MM/YY) or the date has already passed.  
Action: Enter the expiry date as shown on your card, e.g. 05/28 for May 2028. Ensure it is a future date.  
  
**20026 – Card Number Cannot Be Empty**  
Meaning: You did not enter a card number.  
Action: Please enter your full card number.  
  
**20171 – Invalid Secure Code**  
Meaning: The CVV/CVC security code is wrong (wrong length or incorrect digits).  
Action: For Visa/Mastercard, enter the 3 digits on the signature strip. For Amex, enter the 4 digits on the front.  
  
**20030 – Incorrect Card Number**  
Meaning: The card number entered is invalid, possibly because the card has been cancelled or closed.  
Action: Double‑check the number. If correct, try a different card – this one may no longer be active.  
  

  

## **Do you have any payment question?**

  

Contact Us support@twitterbikefactory.com

Business Operator: HongKong Chitu International Trading Co., Limited  
Brand Manufacturer: Shenzhen First Technology Co., Ltd.  
All legal entity names, addresses, contact numbers and emails displayed on this page are fully true and verifiable. No virtual office or unregistered contact information is used on this website.  
TWITTER Bikes has no affiliation with X social media platform, as stated in the universal brand disclaimer on all website pages.

TWITTER Bikes is an independent bicycle brand owned by Shenzhen First Technology Co., Ltd. The trademarks "TWITTER Bikes" is registered exclusively for bicycles and cycling products. This website is operated by HongKong Chitu International Trading Co., Limited as an authorized distributor. We have no affiliation, partnership, sponsorship, endorsement, or business relationship with X Corp. or the X (formerly Twitter) social media platform.

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> Source: [Official Twitter Bikes Factory Store](https://www.twitterbikefactory.com/pages/payment-policy)