Payment Policy

Last Updated: July 12, 2026

At Homoray, we want checkout to feel fast, secure, and straightforward. This Payment Policy explains which payment methods we accept, how your payment is processed, and what to expect at every step of a transaction.

1. Accepted Payment Methods

We accept a range of secure payment options to make checkout convenient, including:

Credit & Debit Cards

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

Digital Wallets

• PayPal Wallet
• Apple Pay
• Google Pay
• Amazon Pay

Shop Pay Options

• Shop Pay
• Shop Pay Installments (where available)

Cryptocurrency

• USDC

Local Payment Methods

• ACH Direct Debit (available for eligible United States B2B orders)

The payment methods shown at checkout reflect what's currently available for your location and order type.

All orders must be paid in full before they're processed and shipped. We do not accept Cash on Delivery (COD).

2. Secure Payment Processing

Your payment security matters to us. Every transaction on Homoray is protected using:

• SSL (Secure Socket Layer) encryption
• Secure Shopify checkout infrastructure
• PCI DSS–compliant payment processing

Homoray does not collect, store, or have direct access to your complete credit or debit card information. Sensitive payment data is handled exclusively by our certified payment service providers.

3. Pricing & Currency

Unless stated otherwise, all prices on our website are listed in United States Dollars (USD).

If you pay using a method issued in another currency, your bank or card provider may apply currency conversion fees, foreign transaction charges, or exchange rate adjustments. These charges are set by your financial institution and are outside Homoray's control.

4. Payment Authorization

By placing an order, you confirm that:

• You're authorized to use the selected payment method.
• Your billing information is accurate and complete.
• Sufficient funds or available credit exist to complete the purchase.
• The payment information provided belongs to you or is being used with proper authorization.

Orders are processed only after payment has been successfully authorized.

5. Order Confirmation

Once your payment is approved, you'll receive an order confirmation email with your purchase details. A separate shipping confirmation email, including tracking information, follows once your order ships.

If you don't see your confirmation email within 24 hours, please check your spam or junk folder before reaching out to our support team.

6. Declined or Failed Payments

Payments can fail for a number of reasons, including incorrect payment details, insufficient funds, an expired card, security verification issues, or bank authorization problems.

If your payment is declined, we recommend:

• Double-checking your billing information
• Confirming your card details are current
• Contacting your bank or payment provider
• Trying an alternative accepted payment method

Orders with unsuccessful payments will not be processed or shipped.

7. Fraud Prevention

To protect our customers and our business, we may review orders for unusual or suspicious activity. Where necessary, we reserve the right to:

• Request additional identity verification
• Delay order processing while verification is completed
• Cancel orders suspected of fraud, unauthorized payment use, or illegal activity

If an order is canceled after payment has been received, any eligible amount will be refunded to your original payment method.

8. Taxes

Applicable sales tax is calculated automatically at checkout based on your shipping destination and relevant state and local tax requirements. The final amount due is displayed before you complete your purchase.

9. Pricing Accuracy

We make every reasonable effort to keep prices, promotions, and discounts accurate on our website. Occasionally, pricing or typographical errors do occur.

If an incorrect price affects your order, we reserve the right to correct the error, cancel the affected order, and notify you before processing. If payment was already collected for a canceled order, the full amount will be refunded.

10. Refunds

Approved refunds are handled according to our Refund & Return Policy. Once approved, a refund is issued to your original payment method, typically within 10 business days. Your bank or card issuer may need additional time before the funds appear in your account.

11. Chargebacks & Payment Disputes

If you run into a payment issue, we encourage you to contact our support team before starting a chargeback with your bank or payment provider most concerns can be resolved quickly this way.

Please note that filing an unwarranted chargeback while keeping the purchased merchandise may delay future orders or require additional verification on our end.

12. Policy Updates

We may revise this Payment Policy from time to time to reflect changes in our payment services, legal requirements, or business operations. Updates take effect immediately upon posting, along with a revised "Last Updated" date. Continuing to use our website after changes take effect means you accept the updated policy.

13. Contact Us

Questions about payments, billing, or transaction security? We're happy to help.

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)