Payment Policy

1. Accepted Payment Methods

We accept:

• Credit cards: Visa, MasterCard, American Express, Discover
• Debit cards: Visa and MasterCard
• Digital wallets: PayPal, Apple Pay, Google Pay

Available methods are displayed at checkout. All payments are processed in U.S. Dollars (USD).

2. Payment Security

Payments are processed through established third-party payment providers. Card details are handled directly by those payment gateways, and transactions are protected via SSL/TLS encryption during transmission.

We do not store your full card number, security code, or banking details on our servers. We will never ask you to send credit card details or sensitive payment passwords via email or messaging tools.

3. When You Are Charged

Full payment is required at checkout. When you place an order, your payment method is authorized to confirm the funds are available. Depending on your bank or card provider, this may initially appear as a temporary pending hold.

The charge is finalized once your order is accepted and processed for fulfillment.

4. Order Confirmation and Acceptance

After placing a payment, you will receive an order confirmation email. This acknowledges receipt of your order, but does not guarantee final order acceptance.

We reserve the right to cancel or decline an order if:

• The product is unavailable or out of stock
• There is a pricing or listing error
• We cannot verify your billing or shipping details
• We suspect unauthorized or fraudulent activity

If we cancel an order after payment has been completed, we will issue a full refund back to your original payment method.

5. Payment Verification

To protect our shoppers and store against fraud, we may:

• Request additional authorization details for specific orders
• Contact you to confirm billing or shipping accuracy
• Decline transactions that appear unauthorized or flag suspicious activity

If required payment information cannot be verified promptly, the order may experience delays or cancellation.

6. Billing Information

Please ensure your billing information is accurate and matches the address registered with your bank or card issuer. Accurate contact details are necessary so we can reach you regarding order updates.

Inaccurate or mismatched billing details may cause payment declines, processing delays, or order cancellations.

7. If Your Payment Is Declined

If your card transaction fails, please verify:

• Your card is active and has sufficient funds or available credit limit
• Your billing details are entered correctly
• Your card is authorized for online purchases

If issues persist, please contact your bank or card issuer. You can also reach out to our team at support@homesome.shop for support.

8. Duplicate Charges

If you see what appears to be a double charge, check if one entry is listed as a pending authorization hold. Temporary holds usually clear automatically within a few business days.

If an unexpected charge remains, email us at support@homesome.shop with your order details and we will inspect the transaction record.

9. Refunds

Refunds are handled according to our Return & Refund Policy. Approved refunds are processed within 5 to 7 business days directly to the original payment method.

10. Currency

All prices and payment transactions on Homesome are in U.S. Dollars (USD). If your payment method is issued in a foreign currency, your bank or card issuer may charge currency conversion or international transaction fees. We do not control or collect those fees.

11. Policy Updates

We may update this Payment Policy when our payment procedures or legal guidelines change. Updated revisions will always be published directly on this page with a revised date.