1. Trace of Payment

After payment is arranged, please provide the following information by email to payment@bycpa.com or by fax at +852 2341 1414. The information will help us in identifying the sender and therefore will help to speed up the work:

• Your company's name
• Invoice number
• Amount
• Payment reference number

In the absence of such information, we reserved the right to invoice your company for extra charges incurred for checking the payment details. In addition, it is possible that in some extreme cases, we may not be able to trace your payment with the above-mentioned information and therefore the invoice(s) concerned would be regarded as being unsettled. In this case, Kaizen and/or its affilaites should not be held liabile for penalty resulted from any delay in filing of documents or payment of fees to the various government departments.

2. Bank charge, exchange difference and handling fee

• The net amount received in our bank account is the one recognised as payment;
• Bank charges etc. before the fund arrives at our bank should be client's expenses;
• Our invoice is in HKD and an USD amount is also provided in our invoice. Therefore, exchange difference should be client's expense when client           settles our invoice in currencies other than HKD or USD;
• For exchange rate, please refer to this website for reference [Exchange Rate];

3. Payment Methods

(1)	Bank Deposit or Telegraphic Transfer "Kaizen Certified Public Accountants Limited" bank accounts:     Name of Banker Account Number Swift Code   HSBC Hong Kong 411-632508-838 HSBCHKHHHKH   Standard Chartered Bank 407-1115-2454 SCBLHKHHXXX Please fax the receipt with your invoice number or company name to Kaizen at +852 2341 1414 or scan and email the receipt to info@kaizencpa.com after you deposit the money. The bank commission for both countries should be paid by customer for Telegraphic Transfer payment.
(2)	Cheque Make your cheque payable to "Kaizen Certified Public Accountants Limited", write your invoice number or company name on the back of the cheque and send to our Account Department at following address: Room 2101-2103, Futura Plaza, 111 How Ming Street, Kwun Tong, Hong Kong
(3)	Payment by Credit Card Choose your credit type by clicking on the logos: Note: Please add 4% of the invoiced amount as finance charge to arrive at the total payment amount.
(4)	Payment by Paypal.com Paypal.com Account Name: accounts@kaizencpa.com Note: Please add 5% in total amount as finance charge (for bank charge and exchange difference)
(5)	Payment via Western Union Please visit www.WesternUnion.com to check the most nearest branch to you. Please note that: "The name of Payee" must in English; the "Invoice Number" should be specified in the remark/message section. Please specify money receiver as below:   Hong Kong Payee Given name :  Hsiao Hui Surname :   Yang Payee address Room 2102, Futura Plaza, 111 How MIng Street, Kwun Tong, Hong Kong. After payment, please advise: (MTCN) Money Transfer Control Number; First Name (Surname) of money sender; Last Name (Given name) of money sender.
(6)	In Person Please come to our offices in general office hour. We accept cheque and cash.

4. Policy for Transmission of Payment Card Details

Online payment service is provided by PayDollar. Customers' payment details are securely transmitted to the acquiring bank, card and payment companies for real-time transaction authorisation using Extended Validation Certificates (EV) SSL transaction encryption.