My store aims to provide a straightforward and secure checkout experience for customers purchasing furniture and home furnishings online. This policy explains how payments are accepted, processed, and handled when questions arise.
1. Accepted Payment Methods
Available payment methods are displayed during checkout. Depending on availability and eligibility, customers may be able to pay using major credit or debit cards, including:
-
Visa
-
Mastercard
-
American Express
-
Discover
-
Other payment options displayed at checkout
The payment methods available for a particular order may vary according to the checkout service, billing location, and payment provider.
2. Payment Currency
Unless otherwise indicated at checkout, product prices and order totals are displayed in United States Dollars (USD).
If your payment card or bank account uses another currency, your financial institution may convert the transaction into your local currency. Any exchange rate, foreign transaction fee, or currency conversion charge is determined by your card issuer or payment provider, not by my store.
3. When Payment Is Collected
Payment is generally submitted during checkout when an order is placed. Your payment provider or financial institution may first show the transaction as pending while authorization or processing is completed.
An order confirmation does not necessarily mean that payment settlement and order fulfillment have both been completed. Orders may be reviewed before dispatch.
4. Billing Information
Customers are responsible for entering accurate billing information and ensuring that the selected payment method is valid and authorized for use.
Please verify your billing address, payment details, and order total before submitting payment. Incorrect information may result in a declined transaction, additional verification, or a delay in order processing.
5. Payment Authorization and Verification
Some transactions may require additional verification by the card issuer, bank, or payment service provider. These checks may include identity confirmation, security authentication, or authorization review.
My store does not control the final authorization decision made by a financial institution or payment provider. If a transaction is declined, please contact your bank or try another available payment method.
6. Payment Security
Payment transactions are handled through the payment services made available at checkout. These providers use their own security procedures to process payment information.
Customers should protect their payment credentials and avoid sharing passwords, verification codes, or full payment card details through email or other unsecured communication channels.
For further information about the handling of personal information, please review the Privacy Policy.
7. Order Total and Additional Charges
The total payable amount will be presented during checkout before you complete your purchase. It may include product prices, applicable shipping charges, and taxes where required.
For eligible U.S. orders, standard shipping is free as described in the Shipping Policy. Any applicable additional charge will be displayed before the order is submitted.
Customers should review the final amount carefully before confirming payment.
8. Declined or Unsuccessful Payments
If your payment cannot be completed, the order may not proceed to fulfillment. Common reasons include insufficient funds, incorrect billing details, bank restrictions, expired cards, or security verification requirements.
If the problem continues, contact your financial institution or select another payment method available at checkout. Please avoid repeatedly submitting the same transaction if your account shows a pending charge.
9. Duplicate or Unrecognized Charges
If you notice a possible duplicate charge or a transaction you do not recognize, first review your order confirmation and payment account to determine whether the amount is a pending authorization or a completed payment.
If the transaction remains unclear, contact us with your order number, transaction date, and the amount in question. For security, do not send your full card number or account password.
You may also contact your bank or payment provider for assistance with transactions appearing on your account.
10. Refunds and Payment Reversals
Approved refunds are generally issued to the original payment method used for the purchase, subject to the applicable payment provider's procedures.
After a refund has been processed, it may take approximately 5–10 business days for the funds to appear in your account. The actual posting time depends on your bank, card issuer, or payment provider.
For eligibility requirements and return instructions, please consult the Refund Policy.
11. Order Cancellation and Payment
If you wish to cancel an order, contact customer support as soon as possible. Cancellation may be available before an order enters fulfillment or is dispatched.
If an order is canceled after payment has been collected, any applicable refund will be handled according to the circumstances of the cancellation and the relevant refund procedures. Once an order has shipped, a return request may be required instead.
12. Taxes and Legal Requirements
Applicable taxes will be calculated and collected where required by law. The amount may depend on the delivery destination and the tax rules governing the transaction.
Customers are responsible for reviewing the order total presented at checkout before submitting payment.
13. Contact for Payment Assistance
If you have a question about a payment, an order total, a refund, or a transaction associated with my store, please contact us:
-
Email: support@elowenhome.shop
-
Phone: +1 971-815-1189
-
Business Address: 5929 Maggie Valley Dr, Evansville, IN 47720, United States
-
Customer Service Hours: Monday–Friday, 9:00 AM–5:00 PM
Please include your order number and a brief description of the issue so we can review your inquiry. We will make reasonable efforts to respond during our regular support hours.
14. Updates to This Policy
My store may update this Payment Policy to reflect changes in checkout services, payment methods, or operational requirements. Any revised version will be published on this page.
Customers are encouraged to review this policy before completing an order.