Payment Policy

1. Accepted Payment Methods

We accept Visa, Mastercard, American Express, Apple Pay, Discover, Maestro, PayPal, and Google Pay. Available payment options may vary depending on your device, browser, billing location, and the payment services available at checkout. All orders placed through homvoria.com must be paid in full before processing and shipment.

2. Transaction Currency

All prices, order totals, shipping fees, taxes, and payment transactions are processed in United States Dollars (USD). If your card or payment account uses another currency, your bank, card issuer, or payment provider may apply exchange rates or additional conversion fees. These fees are charged by your payment provider and are not controlled by us.

3. Third-Party Payment Processing

Payments are securely processed by trusted third-party payment service providers, including Stripe and PayPal. We do not directly collect, access, store, or retain your full card number, CVV, payment account password, or complete payment credentials on our servers. Payment information is submitted directly through the secure payment provider system, and we only receive necessary transaction details such as payment status, order amount, authorization result, and reference information needed to complete your order.

4. Payment Security

To help protect payment security, our website uses SSL/TLS encryption for secure data transmission. Payment service providers may also use tokenization, encrypted payment handling, PCI-DSS compliant processing environments, fraud detection tools, risk monitoring, and additional authentication methods such as 3D Secure where available. Access to order and transaction-related information is limited to authorized personnel only when needed for order processing, customer support, fraud prevention, refunds, or legal compliance.

5. Payment Failure and Payment Disputes

If your payment fails, the order may not be confirmed or processed. Common reasons include incorrect billing details, insufficient funds, expired cards, bank restrictions, failed authentication, payment provider decline, or suspected fraud review. If you believe a payment was charged incorrectly or you have a payment dispute, please contact us at care@homvoria.com with your order number and payment details. We may ask for additional information to review the issue, and disputes may also be handled through Stripe, PayPal, your card issuer, or your bank according to their applicable procedures.

6. Refunds to Original Payment Method

Approved refunds will be issued to the original payment method used for the order. After a return, cancellation, or refund request is approved according to our applicable refund terms, we typically process the refund within 7 business days. The time it takes for the refunded amount to appear in your account may vary depending on your bank, card issuer, PayPal, Stripe, or other payment provider. Original shipping fees, customs fees, taxes, or other charges may be non-refundable unless required by law or unless the refund is due to our error or a verified product issue.