For Customer

For further assistance, please contact us directly at

eGHL may decline transactions for various reasons, but we may not have access to the exact cause of the decline. Some reasons why your payment may have been declined include:
  • Card/personal details entered do not match the information held by your Card Issuer.
  • Insufficient cleared funds on your card to cover the purchase amount.
  • Your card has been reported as lost or stolen and cancelled by your Card Issuer.
  • Your card has expired and has been replaced by your Card Issuer.
  • Your card has been recently replaced by your Card Issuer but not yet activated.
  • Your card cannot be used to pay for goods/services in a Cardholder-Not-Present environment, such as online payments.
  • Issues with your Card Issuer's authorization system.
  • 3-D Secure (Verified by Visa and MasterCard SecureCode) has not been activated for your card. 
If you are confident that none of the above reasons apply to your payment attempt, we recommend that you try again. If the issue persists, please contact your Card Issuer for further information. If you are unable to pay by credit card, online banking, or e-wallet available on eGHL, please contact the online store directly to discuss alternative payment options.

For demo website, kindly contact our Support Service at

You may check out the majority of our shopping carts

For Merchant

While SSL certification is not mandatory for your online store, it is highly recommended to obtain it. Doing so will increase the trustworthiness of your store and instill confidence in customers who shop on your site.

Furthermore, SSL certification is essential for encrypting and protecting customer details during and after their shopping experience on your site. This is crucial for maintaining the privacy and security of your customers' personal and financial information.

We have our own internal risk management team responsible for reviewing every transaction made through our payment system. Their role is to assess and mitigate any potential risks associated with the transactions, ensuring the security and integrity of the payment process for our customers.

To initiate a refund, you can either use our API or submit a request through the eGHL Admin Portal by providing the transaction ID. If you require assistance with this process, please send your refund request to and our team will be happy to assist you.

Tokenization is a security process that involves substituting sensitive data with unique identification symbols, while still retaining all the essential information about the data. This is done to ensure the security of the sensitive information, as the tokenized symbols do not compromise the original data in any way.

An automated payment method is available for both merchants and buyers, which reduces the risk of late payments. This payment method uses a tokenization system to securely store credit card details, which are automatically charged once the payment due date is reached. This helps to ensure that payments are made on time and avoids the risk of late payments.