Yes. Payment processors, in this case, would be Visa/MasterCard/Amex.

Scott added a policy sometime in 2019, I believe, that said that no claims made after 5 months would be honored for any reason whatsoever. This policy was not adjusted (i.e. deleted) until someone made a public service announcement on this forum and it blew up. No one from YS ever acknowledged that policy in any of the mailers that went out, no one received any warning as their orders began to cross the five month limit etc. It seems a bit odd to ask everyone to wait past an arbitrary time you've made up, knowing full well that if their tea doesn't arrive, they will be fucked. Considering he has no idea where any of this tea is... and that he can make a claim against China Post, it looks a little off. Why wouldn't you, as THE DEMIGOD OF THE ONLINE TEA WORLD, and one of the most honest, hardworking small businessmen to ever grace us with his presence, make sure that people were not only aware of this, but also maybe take it into your own hands and make sure people aren't getting fucked? But that never happened. In some cases, the window between his "estimated delivery dates" and the cutoff was something like 2 weeks. And after 4.5 months of telling people to just relax and leave him alone, it seems a bit odd to expect everyone to remember, 4.5 months later, that they have to babysit a vendor who won't take responsibility for his business beyond holding people to some arbitrary policies.