LCT03: Cambodia Nature Tour - 9 days / 8 nights

Destinations: Siem ReapPhnom Penh – Kep - Sihanouk Ville - Koh Kong

Highlights: Angkor wat and boat trip in Tonle Sap lake, flight to Phnompenh then transfer to Kep, Sihanouk Ville beach and Koh Kong.

Brief Cambodia Nature Tour

Day 1   Siem Reap Arrival

Day 2   Siem Reap – South Gate – Angkor Wat 

Day 3   Siem Reap – Tonle Sap – Silk Village

Day 4   Siem Reap – Phnom Penh

Day 5   Phnom Penh – Kep

Day 6   Kep - Sihanouk Ville 

Day 7   Sihanouk Ville – Koh Kong 

Day 8   Koh Kong – Free  Day

Day 9   Koh Kong – Phnom Penh

This tour, you will have chance to visit Siem Reap with its Angkor and visit Sihanoukville - a small town with several beautiful , very accessible beaches, an ideal place to relax. At the end of this trip, you will visit Koh Kong then flight to Phnompenh.

TOUR ITINERARY

Please contact us at info@vivutravel.com for booking and more information

  • Tour Class

  • 3 Star Hotel
  • 4 Star Hotel
  • 5 Star Hotel
  •  

    High Season

  •  

    (Jan 1 - Apr 30 & Oct 1 - Dec 31)

  • 3 Star HotelFrom
  • 4 Star HotelFrom
  • 5 Star HotelFrom
  •  

    Low season

  •  

    (May 1 - Sep 9)

  • 3 Star HotelFrom
  • 4 Star HotelFrom
  • 5 Star HotelFrom

NOTE: The above tour prices are estimated per person & applied for group of 2 persons! Depending on your favorite hotels, traveling dates & group sizes, the tour prices will be updated! Please contact us at info@vivutravel.com for further information!

Siem Reap Arrival (Breakfast)

Siem Reap is gateway to Angkor tours. Upon your arrival at Siem Reap Airport, welcome and transfer to hotel for check in. Free at leisure and overnight in Siem Reap.

Day 01

Siem Reap – South Gate – Angkor Wat (Breakfast)

After breakfast at the hotel, time to visit South Gate of Angkor Thom, Bayon Templ, Terrace of Leper King and Elephant, Phimean Akas. and Ta Prohm Temple.

In the afternoon, visit AngkorWatTemple complex, and in the evening enjoy watching sunset on the Bakheng Hill. O/N in Siem Reap

Day 02

Siem Reap – Tonle Sap – Silk Village (Breakfast)

Morning transfer to visit Tonle Sap Lake to visit floating village and fisher man lifestyle. And then visit Silk Weaving village.

Afternoon visit West Baray and Artisan D’Angkor for carving center. And then visit Old Market. O/N in REP.

Day 03

Siem Reap – Phnom Penh (Breakfast)

After breakfast at hotel, transfer to airport/boat pier for departure to Phnom Penh. Up on arrival, welcome and transfer to visit Royal Palace, Silver Pagoda, Raung Damrei.

Afternoon visit NationalMuseum and then visit ToulSlengGenocideMuseum and shopping at local market. O/N in PNH

Day 04

Phnom Penh – Kep (Breakfast)

Morning transfer to Kep for beach relaxation. Upon arrival, free at your own leisure at our white sand beach. O/N in Kampot.

Day 05

Kep – Sihanouk Ville (Breakfast)

After breakfast at hotel, transfer to Sihanouk Ville. Day is free at leisure for your own visit. Beaches and Islands The town of Sihanoukville is surrounded on 3 sides by the Bay of Thailand.  From the beaches and surrounding hills, many of the country's small islands can be seen.  Many of the beaches are filled with grass hut restaurants and bars, some of the beaches are rocky, a couple are big resorts, and some are pure sandy beach.

Activities Many vacation activities around town are related to the beaches. Swimming and sunning, trips to the islands, fishing, and snorkeling.  Within town, there are many themed restaurants and bars owned by people from all over the world.  Buddhist temples, mountain biking, dirt biking, walking around downtown and the central market, shopping, and seeing the Cambodian culture are also popular activities.  Scuba Diving is also very popular.

Day 06

Sihanouk Ville – Koh Kong (Breakfast)

After breakfast at hotel, transfer to Koh Kong for the luxury stay at our first floating eco lodges in Cambodia.

Enjoy your time. O/N in KKZ.

Day 07

Koh Kong – Free Day (Breakfast)

Koh Kong is the most southwestern province of Cambodia. It is one of the biggest provinces in the whole country with a long undeveloped coastline and a mountainous, forested and largely inaccessible interior, which embraces part of the Cardamom Mountains, the biggest coherent rainforest of Southeast Asia. Its tourist attractions include abundant wildlife; big waterfalls and casinos on the border to Thai.

After breakfast at hotel, free at your own leisure and O/N in KKZ.

Day 08

Koh Kong – Phnom Penh (Breakfast)

After breakfast at hotel, transfer to Phnom Penh International Airport for departure flight off. We wish you all the best and hope to arrange your next Cambodia tour.

Goodbye and see you again!

Day 09

Inclusion:

  • All transfers and transportation in private air-conditioned vehicle with driver
  • Accommodation as indicated
  • English speaking tour guide
  • Entrance fees

Exclusion:

  • Drinks
  • Other meals
  • Insurance
  • Flights

ABOUT VIVUTRAVEL
Vivutravel is a local, trustworthy and professional Vietnam tour operator, offering a wide range of Vietnam and Indochina tour packages to the most exciting destinations at most competitive price. Our Business License Number is 0104000493 and our International Tour Operator License Number is 01 – 258. We are very pleased to be a member of Vietnam Administration of Tourism with financial guarantee – a deposit of 1.000,000,000 million Vietnam Dong (US$ 50,000) in a bank of Vietnam. Besides that, we are also official members of;

Pata http://www.patamanager.org/Members/8088
Asta http://www.travelsense.org/vivutravel
Tripadvisor http://www.tripadvisor.com/vivutravel

vivutravel team in hanoi

Are you planning your Vietnam Holiday, but not sure how to arrange the trip? Getting lost in many tour options? Being sick of searching...? Just leave your troubles behind to read our Vietnam travel guides and send us your requests. Your private travel consultant at Vivutravel will help you design a perfectly suggested tour itinerary and quote which are tailor made to suit your wishes and budget.

* How to plan my Vietnam tour with you?
1. Send us an inquiry by submitting one of our online tour inquiry forms (Click). Tell us as much information as possible. For examples;

- Please tell us how many people will be traveling with you?

- Please tell us your preferred hotels, level of hotel (3, 4 or 5 stars), type of hotel, type of room...

- Please tell us your type of travel, length of travel and activities that you are interested in. For example; Family with kids, Couple's vacation, Honeymoon, Friends, Shopping, Sightseeing, Leisure and Relaxing, Cuisine & Cooking, Kayaking, Caves & Grottoes, Fishing, Swimming, Hiking, Minority, Adventure & Discovery...

- Please tell us where and what you want to visit. If you do not know much about Vietnam and Indochina, just give us your travel plan and ideas and we will create a suggested tour for you.

- Most of our tour guide are English speaking tour guides, but if you want another language like French, Spanish, Italian, Russian, Chinese... we can always arrange. Please tell us what you do you expect from your guides, for example; you want a guide with sense of humor? Good knowledge in history & culture? Male/Female guide? Talkative/untalkative? Young/Old guide?

- Please advise if you want breakfast included only or also lunch and dinner. Please let us know if you are a vegetarian, the food you can eat or can't? If you want local food in local restaurants or western food in tourist restaurant...? Actually, you do not have to send us all information, but the more we know, the better we plan your holiday.

2. After having received your inquiry, one of our professional Vietnam travel consultants will email and give you a proposal.

3. If you accept the proposal (you may modify it till you are satisfied with it), we will calculate the tour cost and send you the tour price. If you accept it, please confirm that you would like to book it.

* How Travel Experts at Vivutravel Service you?
"Highest Standards of Quality and Honesty" is the core value of each specialized team at Vivutravel.

Everyone in our company is working hard for only one goal, which is to ensure the highest level of service, luxury, and attention to detail from the minute you begin planning your trip, to the day you return home.

vietnam tour

1-on-1 Travel Consultant
After sending us an inquiry, one of our travel consultants will get back to you within 0.5~23.5 hrs. In the next few days, he/she will be working closely with you to formulate a customized tour plan, as well as providing professional suggestions based on your travel interests, time, and budget.

Beside, he/she will keep in contact with you during your entire tour in Vietnam and Indochina, continually checking if everything is going well as planned.

* How to proceed to book Vietnam and Indochina tour with you?
When you decide to book your Vietnam and Indochina holiday with us, please send us your full names (name on passport) for hotel and domestic flight reservations, and your international flight details in and out Vietnam/Indochina for airport transfers / pick up & see off.

* How to pay the deposit and the balance?
Deposit: When the booking is completely confirmed, we will send you confirmation details including confirmed itinerary, invoice, voucher then deposit request of about 30% of the total tour cost (can be less). You can pay by credit cards (via onepay gateway, pay online), make wire transfer, western union. The deposit is used to pay the flight tickets, hotels, train tickets in advance.

Balance: You can pay the rest 2 weeks before your arrival, or you can pay us on your arrival in Vietnam by credit cards, cash (AUD, USD, EUROS, VND...)

* How to enjoy the tour?
Our job is to make your holiday a memorable experience. To make sure you will have a great time, there are something that we should share;

When you request the tour: Please let us know your personal interests so our travel consultants will design and include in the itinerary, or take notes for the hotels, tour guide, restaurants...

Before you come: One week before your arrival. we always send our clients an email to update about the weather and climate, booking status, and remind you to prepare/check the documents, visa...for the holiday.

When on tour: The tour is fixed, but you can always discuss with us if you want to make it more flexible. For example, you want to make some changes in the itinerary, restaurant (meals), tour guide... please just let us know, we will do the best for you.

Tour guide: Please let us know what do you expect from your tour guides and we will arrange the right ones for you.

* Can you buy the international flight tickets for us?
Yes, we do. However, we advise you to buy the flight tickets in and out Vietnam from your end as it is always cheaper than if booked in here.

vivutravel vietnam tour

* Do you offer any discounts?
Yes, we offer discounts for;

- Family with kids and children < 12 years old
- Disable people
- Old people (> 65 years old)
- Second trip with us
- Big group

* How can I pay you the money?
1) Credit card; (secure online payment gateway via Onepay)
ONEPAY - ONLINE PAYMENT GATEWAY (VISA, MASTERCARD, AMEX & JCB ACCEPTED)

Like PayPal, OnePAY is a payment gateway but specialized in Vietnam where the PayPal has not yet reached. This is a perfect and the first payment processor which gains reputation among clients about its efficiency and timely friendly support.

OnePAY in cooperation with biggest bank in Vietnam - Vietcombank which has been implemented this service among many tour operators in Vietnam.

OnePAY is approved by MasterCard for this payment collection on the behalf of us. OnePAY uses SSL Verisign® over internet transaction under 3D-Secure program by respective creditcard companies so you are free from worries your card information disclosed. OnePAY payment portal also meets standards of international financial system such as PCI DSS of PCI Security Standards Council, 3D-Secure of Visa, MasterCard and JCB.

2) Wire transfer (bank transfer)
3) Cash
4) Western union
5) Combination

* Is there any charge if i change my travel plan such as travel dates, tour itinerary, hotels,...?
We are happy to work on your requests, and will not charge you any money. However, if it is too urgent and the date is too close, the hotels or airlines may chare you some money, in this case we will let you know.

* What is the latest time that I can make my reservation?
We suggest you make reservations at least one month before the departure date. If you decide to travel to Vietnam in May, September or October which is peak season, we recommend you make the reservations two months (at least one) before your departure date. Late reservations can not be guaranteed for the availability of domestic flights, hotel rooms, etc.

However, we DO accept late reservations, things are possible at Vivutravel

* What about Cancellation policy?
In case of cancellation, we will not impose any charges if we are not being charged and possible to get refund from our suppliers but if our suppliers apply charges for cancellation, you will have to pay those charges that apply. Cancellation policies vary, depending upon the type of service, the time of year, and the reason for cancellation. We will pass on to you all details of any cancellation policy with our transparent reply upon demand.

General cancellation charges that applied by travel services in Vietnam and Indochina.

- Domestic flights: 25% of the fares
- 3 star hotels, train tickets, no charge if you cancel 3-5 days before your arrival. (FIT)
- 4 star hotels, 7 - 10 days before your arrival (FIT)
- 5 stars hotelS, 10 - 15 days before your arrival (FIT)

However, in peak season, we may have to pay the hotels one month before your arrival to secure the booking, and in this case, the cancellation policy will be based on the hotels' cancellation plolicies.

* Can we get refund?
For the unused services, Vivutravel will refund you the money.

vietnam tour

* How do I get a visa?
Vietnam Visa - For those who would like to avoid the perhaps lengthening visa procedures with their local Vietnam's Embassies, the service of Vietnam Visa On Arrival is available for help. It is legitimated and supported by the Vietnamese Immigration Department. We recommend that you choose visa upon arrival, as picking up visa at the Vietnam int'l airport/border is quite simple, easy, no additional charges and no fail.

Steps to obtain Visa on arrival
a) Please provide the following information for us to apply for your visa.

1) Full name on passport
2) Passport number
3) Date of birth
4) Nationality
5) Date of arrival
6) Date of issue
7) Date of expire
8) Please make sure that your passport is still valid for 6 months

You can apply Vietnam visa online through our www.vietnamvisaprovider.com.

b) How long does it take?
It will take 2-3 days (Normal process), 01 day (Urgent process) to get the “Visa Approval Letter” which we will send you via mail. What you need is to print it out and take it along to get the stamp at airports/borders

c) Get the stamp
Upon arrival, you will need to fill in a certain form with your personal information, get the stamp and visa will be done. For this process, you will need to prepare 02 photos (4*6) and $25 USD each in cash which is stamping fee.

Download the form that you will need to fill your personal information at airport/border here

* Do our tour guides and drivers have meals with us?
The guide and the driver in each destination will dine at the same restaurant as yours. But, they will not join you unless you invite them.

* Where can I change our money into Vietnam currency?
We advise you to stop in any of a Vietnamese bank during the tour (Our tour guides will take you to the bank), you can change money at your hotel, but the exchange rate is not really good.

* Can I use credit cards in Vietnam?
Major credit cards such as Master Card, Visa, Diner's Card, American Express and JCB can be used to purchase goods in large shopping malls and stores in the big and medium cities, to pay for hotel rooms and for meals in some of the fancier restaurants, and to buy plane tickets with them.

Note: If you are to travel to those small cities or even remote rural areas, only cash in Dong can be used.

* Do I need to bring my medical record with me?
Yes, we suggest you take your medical record with you in case that you need it in the event of an emergency, and please also take with you your doctor's name, address and phone number, emergency contact name and phone number, and your insurance company's name, address and phone number.

* When I finish my tour in Vietnam, if I still have some local money, what can I do?
Upon leaving Vietnam, if you still have some local money, you can change them back to foreign currency with your passport and the exchange memos given by the banks or money exchange counters. So please keep those exchange memos well whenever you change money.

vivutravel travel consultant team

* Tipping
Tipping is not compulsory, but expected by your tour guide and driver.  We advise you to tip as below:

- US$10 - $15 per day for tour guide
- US$7 - US$10 per day for driver

Note:
- Tipping can be more or less or nothing that depends on how big is the group? And how do you enjoy our services?

- Other tipping for tuktuk, sampan boat, cyclo,... please check with your tour guide during the tour.

* Shopping
Vivutravel guarantees "no shopping tour", which means we protect you from the tourist shopping centers or traps. However, if you want to buy something, our travel consultants, tour guides will give you suggestions, advices and help you buy to avoid being overcharged.

Bargaining is a "Must" when buying something in Vietnam and Indochina.

Vivutravel believes that a good choice of accommodation will be the key factor for a successful holiday, and for many years of experience in tourism, we have created a list of the best hotels and resorts each destination that offer us both more benefits of competitive rates, early birds, guaranteed promotion and discounts with availability.

vietnam hotel

We pick the selected hotels for you as below:
Location: The hotels must be centrally – located, close to the main attractions and most convenient for you to enjoy your holiday.

Facility & Service Quality: Vivutravel only uses the hotels that are regularly and strictly inspected. The hotel must provide international standards and your every need is cared for by the hotel staff.

Variety in Choice: As Vivutravel offers different styles of tour such as honeymoon,, family, adventure, discovery, homestay,... so we will offer many styles and grades of hotels which are available for different budgets, tastes and culture backgrounds.

Hotel Information for planning your holiday and stay.
2 Stars - From US$35 - US$40: 
We hardly use 2 star hotels for our clients but sometimes we have no choice if your trip is in the mountainous or remote areas. Basically, 2 star hotels will offer good size and clean guest rooms with AC, TV, hot water, shower and private bathrooms

3 Stars - From US$40 - US$80:
Offering basic needs for a comfortable stay, good size and clean guest rooms with Free access high speed Internet, Welcome baskets and drinking water, Telephone with international dialing, Electronic safe box in room, Hairdryer, Coffee and Tea, Wake-up service, AC, TV, hot water, shower and private bathrooms. On-site restaurants with breakfast included and lunch or dinner at your own pick up. A small fitness center, spa and swimming pool can be expected.

4 Stars - From from US$80 - US$130:
Offering a wide range of comfortable boutique hotels are available with shopping, dining and entertainment facilities nearby. Featuring quality service, fully furnished rooms, restaurants, fitness center with spa (and swimming pool in most cases), the hotels are expected to offer an above-average accommodation experience.

5 Stars - from US$130 - US$200 – US$ 300:
Offering an extensive range of facilities for an excellent accommodation experience. Multiple restaurants on site and a wide range of choice for buffet breakfast, good size of swimming pool, fitness center and concierge service round out the experience.

Tour guide and driver are Vivutravel's representatives and your travel companions during your travel in Vietnam and Indochina who take care of our travel services and make your holiday a memorable time. Understanding this, Vivutravel always selects the best tour guides and drivers for tours.

Private Guide & Transfer
Vivutravel's tour packages are private and tailor made so during your travel with us, you will have a private tour guide, private driver, and an air-conditioned vehicle escorting you at every destination you travel to. This will provide you with maximized personal care, security, and flexibility.

vivutravel tour guidevietnam tour guide

Tour Guide:
We do understand that a good tour guide will make your holiday a beautiful time and tour guides who work with us are well-paid, experienced with a university background, eager to exchange our culture, lifestyle, knowledge...with travelers, and have a great passion for their country and understand the personal touch.

Note: In Sapa or some mountainous areas, we may use local tour guides who come from the ethnic groups like H'Mong, or Red Dao as they know better than anyone else about their land, culture, customs and habits... and this is also the way that Vivutravel helps the local people a better life.

Vivutravel's requirements for a tour guide:
1 - Licensed at least for 4 years with working experience.

2 - Guiding does require more than just hanging out in the sun. Guides must be friendly and good with people, organized enough to keep groups or people on schedule, quick on their feet and ready for the inevitable snafus that arises.

3 - Must be an honest broker of their services and able to take criticism.

4 - Should be qualified at some level in health, health care or first aid.

5 - Able to relate to people from a wide range of cultures and backgrounds.

6 - Clear speech and good hearing.

7 - Must not be a alcoholic or No-alcohol during working time or anytime when on tour.

8 - Tour guide is a nurse to take care of visitors, a boss to keep the right itinerary, a teacher to give information, an ambassador to introduce our country, an entertainer

9 - Must be on time every time. Being late or delay is unacceptable.

10 - Check flight tickets, train tickets, meals, weather... to make sure things are in order and inform local office if any changes that might effect the tour.

11 - Solve problems with care when there is dissatisfy. Argument should be averted by courtesy.

12 - If any change of itinerary is needed for unexpected reasons, your private tour guides will be more than accommodating in suggesting alternatives to ensure that you always have a wonderful experience.

vivutravel driver and busvivutravel car

Transportation:
Vivutravel guarantees to offer the best means of transport during your holiday in Vietnam and Indochina. The safety, comfort and security of our customers come first. We use only the latest modern cars, vans, coaches and all our drivers are full time workers, government licensed in the tourism industry with at least 5 years driving experience. We are fully in control of our quality and service as we own our vehicles.

Vivutravel's requirements for a tour driver.
- Our drivers must be good drivers with at least 5 years of experience

- Our drivers must keep the vehicles clean,

- Our drivers are not allowed to hear cell-phone or smoke, chat, drink when driving.

- Our drivers must be friendly, helpful.

- Our drivers are not allowed to take you to shops unless you ask for.

- Your vehicle in each destination is air conditioned, insured, clean, and regularly maintained.

Tipping
Tipping is not compulsory, but expected by your tour guide and driver.  We advise you to tip as below:

- US$10 - $15 per day for tour guide
- US$7 - US$10 per day for driver

- Tipping can be more or less or nothing that depends on how big is the group? And how do you enjoy our services?

- Other tipping for tuktuk, sampan boat, cyclo,... please check with your tour guide during the tour.

Vivutravel believes that a good choice of accommodation will be the key factor for a successful holiday, and for many years of experience in tourism, we have created a list of the best hotels and resorts each destination that offer us both more benefits of competitive rates, early birds, guaranteed promotion and discounts with availability.

vietnam hotel

We pick the selected hotels for you as below:
Location: The hotels must be centrally – located, close to the main attractions and most convenient for you to enjoy your holiday.

Facility & Service Quality: Vivutravel only uses the hotels that are regularly and strictly inspected. The hotel must provide international standards and your every need is cared for by the hotel staff.

Variety in Choice: As Vivutravel offers different styles of tour such as honeymoon,, family, adventure, discovery, homestay,... so we will offer many styles and grades of hotels which are available for different budgets, tastes and culture backgrounds.

Hotel Information for planning your holiday and stay.
2 Stars - From US$35 - US$40:
We hardly use 2 star hotels for our clients but sometimes we have no choice if your trip is in the mountainous or remote areas. Basically, 2 star hotels will offer good size and clean guest rooms with AC, TV, hot water, shower and private bathrooms

3 Stars - From US$40 - US$80:
Offering basic needs for a comfortable stay, good size and clean guest rooms with Free access high speed Internet, Welcome baskets and drinking water, Telephone with international dialing, Electronic safe box in room, Hairdryer, Coffee and Tea, Wake-up service, AC, TV, hot water, shower and private bathrooms. On-site restaurants with breakfast included and lunch or dinner at your own pick up. A small fitness center, spa and swimming pool can be expected.

4 Stars - From from US$80 - US$130:
Offering a wide range of comfortable boutique hotels are available with shopping, dining and entertainment facilities nearby. Featuring quality service, fully furnished rooms, restaurants, fitness center with spa (and swimming pool in most cases), the hotels are expected to offer an above-average accommodation experience.

5 Stars - from US$130 - US$200 – US$ 300:
Offering an extensive range of facilities for an excellent accommodation experience. Multiple restaurants on site and a wide range of choice for buffet breakfast, good size of swimming pool, fitness center and concierge service round out the experience.

Indochina holiday to Vietnam, Laos, Cambodia, Myanmar, Thailand offers you some of the world's best food and it is really the highlight of your travel. Vivutravel tends to include meals where necessary and when special. Other meals are at your own choices.

vietnam travelvietnam holidays

Breakfast:
Breakfast is included at all hotels and is buffet breakfast with Asian and Western food.

Lunch
Lunches (if included) are usually set menu at handpicked local restaurant with comfortable dining environment where you can rest assure to taste the local flavor. All restaurants are carefully selected and highly recommended.

If allergic to some food
We suggest you to list any food or ingredients that you are allergic to and let our travel consultant know. Then your travel consultant will mark them in the guide’s itinerary, so that our reservation's team and tour guides in different cities can make some preparations and arrangements in advance.

Dinner
Dinners are only included if you stay overnight in a homestay, overnight on cruise in Halong Bay, Mekong Delta or at some special occasions such as welcome dinner, farewell dinner or on requested. So dinners are at your own choice and arrangement, but Vivutravel's tour guide will always give you good suggestions based on your preferences.

Your rate:
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Enquiry
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Get free quote for this tour? Please fill out the below tour enquiry form and give us as much information as possible, we get back shortly!

This is private tour with a flexible schedule. There is no other traveler on the tour. You will have a private English speaking tour guide and a private air-conditioned vehicle in each destination. This is sample tour and can always be personalized to meet your personal needs and travel budget.

Planning the tour:
Prompt response in 0.5-10 hours
Supported by private travel consultant
Unlimited changes, no charge

Our guarantee:
Quality service and affordable price with added value
Use of excellent local guides
Use of well-selected hotels
Use of comfortable vehicles
Worry-free & one-stop service
Excellent customer care

Methods of payment:
Deposit 30% in advance after the tour is confirmed
Balance paid on arrival in cash, credit cards, traveler's cheque
Online and secure payment by bank transfer or credit cards