Towards
Your
Goals.

We are not a money lender. Our service does not constitute a lending or credit facility and we do not provide any credit to merchants or shoppers.

As long as you make your payment on time, there is no interest and no cost for our service. You Pay What You See.

You can sign up by clicking the App Store and Google Play icon at the Home page of our website or sign up when you checkout on our associated merchants’ websites – just choose SVVAP as the payment method.

If you miss a scheduled payment, we will freeze your account until the outstanding amounts are fully paid and you will need to pay a reactivation fee to reactivate your account. If the reactivation fee and outstanding amounts are still not paid in the next 5 days, an additional overtime charge of HK$300 will be levied on you for each overdue instalment. We will also take record of your overdue payment and this may affect your use of SVVAP service in the future.

Example:
Brian made a purchase using SVVAP with an Order Value of HK$6,000. The Order will be divided into 6 equal instalments of HK$1,000 each with the first one paid at the time of purchase. If Brian missed his second instalment for over 5 days, he will be charged a reactivation fee, currently at HK$100, as well as overtime charge of HK$300. In the event that he missed his third, fourth and sixth instalment too, he would be charged an addition overtime charge for his overdue third, fourth and sixth instalment. The total overdue charges would become HK$1,600.

You can use our service as long as you have a Hong Kong credit card and a Hong Kong identity card. We accept Visa, MasterCard, American Express and UnionPay.

You should approach the merchant if your wish to make a refund and the refund is subject to the policy and approval of the Merchant. Nevertheless, SVVAP only accept refund request raised within 14 days of the respective purchase transaction.

In order to provide shopper a safe and secure payment experience, we use Transport Layer Security, AES-256 encryption techniques, to keep your data encrypted during transmission. Also, our servers are situated in data centre that is accredited for ISO27001 certification and we run our services using Azure cloud to protect your data from web-based attacks and abuse. Your credit card information will not be stored at our servers or cloud.