Payment Guide

1. A Transparent and Convenient Checkout Experience

At ivorialune (hereinafter referred to as “I”), I aim to provide a clear and straightforward payment experience for customers purchasing home furnishings through my website. This Payment Policy explains the payment methods accepted at checkout, when payment is processed, how order totals are calculated, and how payment issues, cancellations, and refunds are handled.

Before submitting an order, please review your selected items, quantities, delivery address, shipping charges, applicable taxes, and final order total. The total displayed at checkout before you place your order reflects the charges presented for that transaction. Any additional charges that may apply must be disclosed where required before you complete your purchase.

2. Accepted Payment Methods

I currently accept the following payment methods:

Visa
Mastercard

Available payment methods are displayed during checkout. Please select an available option and follow the instructions provided on the payment page. Payment availability may depend on the transaction, card issuer, payment provider, or applicable security checks.

If a payment method is unavailable or your transaction cannot be completed, you may select another accepted option displayed at checkout. I do not consider an order paid until the payment status has been confirmed through the applicable payment process.

3. Payment Authorization and Order Confirmation

When you submit an order, your payment details are sent through the checkout payment process for authorization and processing. Depending on the payment provider and your card issuer, your account may show a pending authorization before the transaction is fully posted.

An order confirmation indicates that your order has been received. It does not necessarily mean that payment settlement has been completed or that the order has already shipped. If there is a payment verification issue or an order cannot be accepted, I will address it in accordance with the circumstances and applicable requirements.

If you do not receive an order confirmation, please check your spam or junk folder and confirm that the email address entered at checkout is correct. If a charge or pending authorization appears but you are unsure whether your order was completed, contact me before placing another order to help prevent a duplicate purchase.

4. Product Prices, Shipping Charges, and Taxes

Product prices are displayed on the relevant product pages. For deliveries within the United States, I offer free standard shipping on orders with a merchandise subtotal of $80 or more. Orders with a merchandise subtotal below $80 are subject to a $9.99 standard shipping fee.

The applicable shipping charge is calculated according to your order details and displayed during checkout. Any applicable sales tax and other charges associated with your purchase will be presented before you submit your order, as required. The final amount may vary according to the items purchased, delivery destination, applicable taxes, and available shipping options.

Please review the complete order total before completing checkout. If a price, shipping fee, tax amount, or other displayed charge appears incorrect, contact me before submitting payment so I can help review the information.

5. Payment Processing and Security

I take reasonable steps to support a secure checkout experience. Payment information is handled through the payment services made available during checkout. Depending on the payment method and processing arrangement, the payment provider may collect and process card details, billing information, transaction identifiers, and information needed to authorize or complete the payment.

The information I can access depends on the payment service and its configuration. I do not intentionally retain payment card security codes for ongoing storage.

For your protection, do not send your full card number, card security code, account password, or online banking credentials by email or phone. If you contact me about a payment issue, your order number, transaction date, amount, and a description of the problem are generally sufficient to begin a review.

6. Payment Declines and Verification Requests

A payment may be declined or delayed for several reasons, including incorrect card details, insufficient available funds, card restrictions, issuer security checks, or additional verification requirements.

If your payment does not complete, please:

Check that the card details entered at checkout are accurate.
Confirm with your card issuer that your card is active and permitted for the transaction.
Check whether your card issuer requires additional verification or approval.
Try again using another accepted payment method displayed at checkout, if available.

If the issue continues, contact your card issuer or reach out to me for assistance. I cannot override a card issuer's decision or guarantee that a payment will be approved.

For security reasons, never include your card security code or full payment credentials in a customer service message.

7. Order Cancellations and Refunds

If you wish to cancel an order, please contact me as soon as possible. I generally accept cancellation requests made within 48 hours of purchase only when the order has not shipped and has not entered a shipping process that prevents cancellation. A cancellation request is not confirmed until I have reviewed and confirmed that the order can be stopped.

When a cancellation is confirmed, I generally initiate the applicable refund within 1–3 business days. Refunds for approved returns are generally initiated within 1–3 business days after the returned item has been received and any applicable inspection has been completed.

Refunds are generally issued to the original payment method where possible. The time required for the funds to appear in your account depends on your card issuer and payment provider. A refund may therefore take additional time to appear after it has been initiated.

The eligibility requirements and procedures for cancellations, returns, and exchanges are explained in the Order Cancellation Policy and Return and Exchange Policy. Nothing in this Payment Policy limits any mandatory rights that apply to your purchase.

8. Duplicate Charges and Unrecognized Transactions

If your account shows what appears to be a duplicate charge, first check whether both entries are completed transactions or whether one is a pending authorization. Pending authorizations may be adjusted or released according to your card issuer's procedures.

If two completed charges appear to relate to the same order, contact me with your order number, transaction dates, and the amounts shown. I will review the information available and help determine the appropriate next steps.

If you do not recognize a transaction, contact your card issuer promptly to report the issue and request guidance. You may also contact me so I can review any relevant order records. Do not send your full card number, security code, or online banking credentials.

9. Chargebacks and Payment Disputes

If you believe a payment was processed incorrectly, please contact me with the relevant order information so I can review the transaction and explain the available options.

You may also contact your card issuer to ask about its dispute process. Any decision concerning a chargeback or payment dispute is subject to the applicable payment provider's and card issuer's procedures. I will review relevant records and respond to legitimate inquiries as appropriate.

Contacting me is not a requirement to exercise any rights available to you through your card issuer or under applicable law.

10. Payment Information and Privacy

Information collected during checkout may be used to process payments, confirm transactions, prevent fraud, maintain order records, provide customer support, and process eligible refunds. Relevant information may be shared with payment processors, the ecommerce platform, fraud-prevention providers, and other service providers where reasonably necessary to complete the transaction or provide the requested service.

The information shared depends on the payment method, services enabled on the website, and the circumstances of the transaction. I aim to limit disclosures to information reasonably needed for the relevant purpose.

For further details about personal information, third-party service providers, retention, and applicable privacy rights, please review the Privacy Policy.

11. Payment Questions and Customer Support

If you have questions about a payment, need help locating an order confirmation, or wish to inquire about a refund, please contact me using the details below.

Email: team@ivorialune.com

Phone: +1 (407) 628-9143

Address: 1200 Holden Ave #155, Orlando, FL 32839, United States

Business Hours: Monday through Friday, 9:00 AM to 6:00 PM Eastern Time, excluding observed holidays.

I aim to respond to complaints within 1–3 business days. Response times may vary depending on the complexity of the issue and the information needed to review it.

To help me assist you efficiently, please include your order number, the transaction date, and a clear description of the issue. Please do not include unnecessary sensitive information in your message.

12. Updates to This Payment Policy

I may update this Payment Policy when accepted payment methods, checkout procedures, payment service arrangements, or applicable requirements change. The revised version will be published on this page, and the effective date will be updated where appropriate.

The terms displayed during checkout for a particular order, together with the applicable policies and mandatory consumer rights, govern the relevant transaction.

I encourage you to review this page before completing your purchase so you understand the available payment options and the procedures that apply to your order.

Thank you for choosing ivorialune.