Payment Policy

1. Payment methods

a) Bank transfer: please transfer to the account officially published on the website:

• Account number: 1037757201
• Vietcombank - CTCP KHI TAM CONG NGHE SUC KHOE VN
• Branch: VCB Tan Dinh - Mac Dinh Chi Transaction Office
• Transfer reference: Customer full name_Product/Service code (e.g. NGUYEN VAN A_KH200).

b) VNPay payment gateway: pay by domestic ATM card/Internet Banking, VNPay-QR code, or international card via the VNPay gateway.

OnePay/Napas payment gateway: pay by domestic and international cards following the instructions on the gateway interface.

d) International cards (Visa/Mastercard): available to domestic customers and international students; GBP transactions for UK programmes are processed via Stripe/PayPal.

2. Payment confirmation process

• Gateway transactions: the system confirms automatically as soon as the transaction succeeds;
• Bank transfers: confirmed within 24 working hours of funds being credited; where reconciliation is required, up to a maximum of 48 working hours;
• After confirmation, the system sends a confirmation email and proceeds to activate the learning account/provide the service in accordance with the “Purchase Guide”.

3. Instalment payments

For long-term training programmes (100H/200H/300H and above), students may be approved to pay in 02–03 instalments under a written agreement/training contract. The instalment schedule is clearly stated in the agreement; the learning account and corresponding benefits are provided in line with payment progress.

4. Responsibilities of the parties

• The website does not store customers’ bank card numbers; all card data is processed directly by payment gateways certified to the international PCI DSS security standard;
• Customers should only transfer funds to the Company-named bank account officially published on the website; the Company never requests transfers to personal accounts in any form;
• Customers are advised never to share OTP codes or banking passwords with anyone, including persons claiming to be Company staff.

5. Investigation of failed, duplicate, or unrecorded transactions

If a transaction is debited but not recorded by the system, or a payment is duplicated, please provide the transaction documents via email consultant.training@khitamtherapy.com or hotline (+84) 349 635 168. The Company will work with the bank/payment gateway to investigate and resolve the matter within 05–07 working days; any excess amount will be refunded via the original payment channel.

This policy takes effect from the date of publication on the website and may be updated or amended to reflect actual operations and legal requirements. The latest version is always publicly available at https://thekhitamtherapyschool.com. Your continued use of the services after a policy update constitutes acceptance of the amended contents.