Payment Methods
Last updated: August 01, 2026 Currency: USD Regions covered: United States, United Kingdom, France, Germany, Australia, Spain, Canada, Italy, Belgium, Portugal
1. About This Payment Policy This Payment Policy explains which payment methods Irokohome accepts, when customers are charged, how checkout security works, how taxes and shipping charges are shown, how refunds are issued, and what to do if a payment fails or looks unusual.
Irokohome sells ready-to-ship artistic wooden dining sets, including wooden dining tables with matching chairs as described on each product page. Products available for purchase on our website are ready for fulfillment after checkout. We do not sell made-to-order, custom, personalized, preorder, or production-after-checkout items under this Payment Policy.
Because many dining sets are high-value orders, some payments may require additional verification before shipment for customer protection and fraud prevention.
This Payment Policy works together with our Shipping Policy, Cancellation Policy, Return & Refund Policy, Privacy Policy, and Terms of Service.
All product prices, shipping charges, taxes, duties where applicable, refunds, and order totals are shown and processed in USD.
2. Payment Summary Payment topic : Irokohome policy Store currency : USD Accepted payment methods : Major credit/debit cards and PayPal where available at checkout When payment is charged : Usually at checkout after successful payment authorization Order confirmation : Sent after successful payment Refund currency : USD Refund method : Original payment method unless store credit is requested and approved Cancellation refund timing : Within 7 business days after cancellation approval Return refund timing : Within 7 business days after return inspection approval Lost shipment refund timing : Within 7 business days after carrier confirms the loss Card data storage : We do not store full card numbers or CVV codes on our servers Payment security : SSL/TLS checkout and PCI-compliant payment providers Payment fees : No extra fee based solely on payment method 3. Payment Methods We Accept Irokohome accepts the payment methods shown at checkout.
Depending on your country, device, payment provider, and checkout availability, accepted methods may include:
Major credit cards Major debit cards PayPal, where available at checkout Card availability may vary by country, issuing bank, payment network, and payment processor.
Your order is confirmed only after the payment is successfully processed.
If a payment is declined, incomplete, reversed, or not cleared, the order is not confirmed and may not be shipped.
4. Credit and Debit Card Payments When you pay by card, your card is usually authorized and charged at checkout.
Card payments are processed by third-party payment providers. Irokohome does not store full card numbers or CVV codes on our servers.
Your bank or card issuer may require extra verification, such as 3-D Secure, SCA verification, one-time password, banking app approval, or fraud prevention confirmation.
If verification is not completed, the payment may fail or remain pending depending on your bank.
Some banks may show a temporary pending authorization before the final charge is completed. The timing depends on your bank or card provider.
5. PayPal Payments If PayPal is available at checkout, you may choose PayPal as your payment method.
PayPal may allow you to pay using PayPal balance, linked bank account, linked debit card, linked credit card, or other PayPal-supported funding sources.
If PayPal uses an eCheck, bank transfer, or delayed funding method, we may begin order handling only after PayPal marks the payment as cleared.
Refunds for PayPal orders are issued through PayPal to the original PayPal account or original funding source according to PayPal’s rules.
6. Payment Methods We Do Not Accept Irokohome does not accept:
Cash on delivery Checks Money orders Cryptocurrency Direct bank transfer unless specifically approved by us in writing for a particular order Payment outside the website checkout flow Split payment across multiple unrelated methods unless the checkout system supports it Please do not send payment outside the official checkout system unless we have provided written instructions for a specific approved case.
7. When You Are Charged For most orders, payment is charged at checkout after successful authorization.
After payment is successful, you should receive an order confirmation email.
The order confirmation means we have received your order request and payment. It does not mean the order has already shipped.
After confirmation, the order may move into fulfillment, packing, shipping label creation, carrier pickup, or export processing depending on destination and order status.
Because Irokohome sells ready-to-ship dining sets, some orders may move into shipment handling quickly.
8. Currency and Exchange Rates All prices, charges, refunds, taxes where applicable, shipping fees, duties where applicable, and order totals are shown and processed in USD.
If your bank, card provider, PayPal, or payment provider uses another currency, they may convert the amount into your local currency.
Exchange rates, international transaction fees, foreign exchange fees, and conversion charges are controlled by your bank, card provider, PayPal, or payment provider, not by Irokohome.
Because exchange rates may change, your local-currency refund may not exactly match the local-currency amount originally charged.
9. Prices, Shipping Costs, Taxes, and Duties at Checkout Before you place your order, checkout will show the order total in USD.
The checkout total may include:
Product price Shipping cost Discount or promotion, if applied Sales tax, VAT, GST, or similar tax where applicable Duties or import charges where collected by Irokohome Final order total in USD Shipping costs are handled according to our Shipping Policy.
For supported destinations, taxes and duties may be included at checkout where available. If checkout shows that duties or taxes are included, you should not normally be asked to pay those same included charges again at delivery.
If taxes or duties are not included at checkout for your destination, the carrier, customs office, or local authority may collect them at delivery where required by law.
10. High-Value or Unusual Order Verification High-value artistic dining set orders may require quick verification before shipment. This may include confirming the billing details, shipping address, contact information, or payment authorization.
Verification may be requested when:
The order value is unusually high Billing and shipping details do not match The payment provider flags the transaction The order appears unusual compared with normal checkout activity The shipping address needs confirmation The payment holder’s information needs quick confirmation If verification is required, we will contact you using the email or phone number provided at checkout.
If we cannot complete required verification within a reasonable time, we may cancel the order for security reasons and issue a full refund in USD to the original payment method.
11. Failed Payments A payment may fail because of incorrect card number, incorrect billing address, expired card, insufficient funds, bank fraud protection, international payment restriction, incomplete verification, browser issue, PayPal funding issue, or payment provider decline.
If payment fails, please try the following:
Check that your billing details match your payment method Complete any bank verification prompt Try another accepted payment method Try another browser or device Contact your bank or PayPal Contact Irokohome support if you are not sure whether the order was placed Please do not repeatedly submit payment if you are unsure whether the first attempt succeeded. Contact us first so we can help check the order status.
12. Pending Authorizations and Duplicate Pending Charges Some banks may show a pending authorization even if the payment did not complete.
A pending authorization is not always a completed charge. It is often a temporary hold controlled by your bank or payment provider.
If you see duplicate pending authorizations, they usually disappear automatically after the bank releases them.
Irokohome cannot force a bank to release a pending authorization immediately.
If you see more than one completed charge, contact us with your Order ID and payment details so we can review the case.
13. Refunds Approved refunds are issued in USD to the original payment method unless store credit is requested and approved.
Cancellation refunds are initiated within 7 business days after cancellation approval.
Return refunds are initiated within 7 business days after the returned item is received, inspected, and approved.
Lost shipment refunds are initiated within 7 business days after the carrier confirms the loss.
Your bank, card provider, PayPal, or payment provider may take additional business days to post the funds.
14. Taxes, Duties, and Refunds If taxes, duties, or import charges were collected by Irokohome at checkout and are refundable under the applicable route and law, they will be refunded with the eligible order or item refund.
Fees paid directly to a carrier, customs office, or local authority may need to be handled with that carrier, customs office, or authority.
If you are unsure whether a charge was collected by Irokohome or by another party, contact us with your Order ID before starting a dispute or return request.
15. Chargebacks and Payment Disputes If something looks wrong with your payment, order, shipment, or refund, please contact us first at:
support@irokohome.com
In many cases, we can review the issue faster by checking your Order ID, payment status, tracking details, cancellation request, or return request directly.
If you open a chargeback or payment dispute with your bank, card provider, or PayPal, the case may need to be handled through that provider’s dispute process. This can slow down direct resolution because the payment provider may restrict changes while the dispute is under review.
We will cooperate with legitimate payment investigations and provide order, shipping, delivery, cancellation, return, and refund records where required.
16. Payment Security Irokohome uses secure checkout technology to help protect customer information.
Our checkout uses:
SSL/TLS encryption PCI-compliant payment providers Third-party payment processing Fraud prevention tools where appropriate Secure handling of checkout and payment status information Irokohome does not store full card numbers or CVV codes on our servers.
Payment information is processed by third-party payment providers according to their own security and privacy practices.
17. Need Help With Payment? If you need help with payment, checkout, pending authorization, duplicate charge, refund status, PayPal payment, failed payment, or payment verification, contact us with your Order ID.
Email: support@irokohome.com Phone: +1 (903) 720-2330 Support Time: Mon–Sun: 8:00 AM–5:00 PM Central Time
Please do not send full card numbers, CVV codes, bank passwords, or sensitive payment credentials by email.