Payment Policy

Last Updated: August 31, 2026

At Homoray, we want checkout to feel secure, simple, and transparent. This Payment Policy explains the terms that apply to all payments made on our website.

1. Accepted Payment Methods

We accept the following secure payment methods at checkout:

Credit & Debit Cards

• Visa
• Mastercard
• American Express
• Discover
• Diners Club

Digital Wallets

• Shop Pay
• Shop Pay Installments
• Apple Pay
• Google Pay
• Amazon Pay
• PayPal

Cryptocurrency

• USDC

Local Payment Methods

• ACH Direct Debit (available for B2B orders only)

Available payment methods may vary depending on your location, device, and checkout eligibility. Payment must be completed in full at the time of purchase. We do not charge hidden handling fees at checkout, and we do not currently offer Cash on Delivery (COD).

2. Payment Security & Encryption

Protecting your financial information is a top priority. All transactions on our website are:

• Processed through SSL-encrypted, secure payment gateways
• Handled through Shopify's secure checkout infrastructure
• Processed in compliance with PCI DSS (Payment Card Industry Data Security Standards)

We do not store or have access to your full credit or debit card number at any point. All payment data is collected and processed directly by our trusted, PCI-compliant payment providers.

3. Currency

All prices displayed on our website are listed and charged in United States Dollars (USD). If you pay with a non-U.S. card, account, or wallet, your bank or provider may apply its own currency conversion rate or foreign transaction fee — these are outside our control and not included in our listed prices.

4. Order Confirmation

Once your payment is successfully processed, you'll receive:

• An order confirmation email with your order number and purchase details
• A separate shipping confirmation email with tracking information once your order ships

If you don't receive a confirmation email within 24 hours of placing your order, please check your spam or promotions folder, then contact us at support@homoray.com.

5. Payment Authorization & Fraud Prevention

By submitting an order, you confirm that:

• You are authorized to use the selected payment method
• The billing information you've provided is accurate and complete
• Sufficient funds or credit are available to cover the transaction

To protect our customers and our business, we may review transactions for suspicious or unauthorized activity. When necessary, we may request additional verification, delay processing during review, or cancel an order suspected of fraud. If we cancel an order for this reason after payment has been received, we will notify you and issue a full refund.

6. Declined or Failed Payments

Payments may fail due to incorrect card details, expired card information, insufficient funds, bank authorization issues, or security verification requirements. If your payment is declined, we recommend:

• Double-checking your card number, expiration date, and billing address
• Confirming your card or account has sufficient available funds
• Contacting your bank or payment provider to authorize the charge
• Trying an alternate payment method

Orders are not processed or shipped until payment has been successfully completed.

7. Pricing & Errors

We work hard to keep pricing on our website accurate and current. However, occasional typographical or pricing errors may occur. If this happens, we reserve the right to correct the error and cancel any order placed using the incorrect price. If your order is cancelled for this reason, you'll receive a full refund to your original payment method.

8. Sales Tax

Applicable sales tax is automatically calculated and added at checkout based on your shipping address, in accordance with applicable state and local tax laws. The final total, including tax, is shown before you complete your purchase.

9. Refunds

Refunds are issued in accordance with our Refund & Return Policy. Once your return is received and approved, your refund will be issued to your original payment method within 10 business days. Your bank or card issuer may require additional time to post the refund to your account.

10. Chargebacks & Payment Disputes

If you have a concern about a charge on your account, we encourage you to reach out to us directly at support@homoray.com before filing a chargeback or payment dispute with your bank. Most payment issues can be resolved quickly and directly through our support team.

11. Contact Us

If you have any questions about payments or this policy, please get in touch:

Email: support@homoray.com
Phone: +1 (212) 498-3267
Business Address: 2 Pennsylvania Plaza, New York, NY 10001
Support Hours: Monday–Friday, 9:00 AM – 5:00 PM (ET)

We aim to respond to payment-related inquiries within 1–2 business days.