Irokohome

Payment Methods

Last updated: August 01, 2026

Currency: USD

Regions covered: United States, United Kingdom, France, Germany, Australia, Spain, Canada, Italy, Belgium, Portugal

This Payment Policy explains how payments work when you shop at Irokohome, including accepted payment methods, when a charge is made, checkout security, currency, taxes and shipping charges, payment verification, failed transactions, and how approved refunds are returned.

Irokohome sells ready-to-ship artistic wooden dining sets through our website. Products shown as available for purchase are prepared for fulfillment after checkout.

Because dining sets can represent a higher-value purchase, some transactions may require additional verification before an order moves into shipment preparation.

This Payment Policy should be read together with our:

  • Shipping Policy
  • Cancellation Policy
  • Return & Refund Policy
  • Privacy Policy
  • Terms of Service

1. Currency

All product prices and order totals on Irokohome are shown and processed in United States Dollars (USD) unless a page clearly states otherwise.

Depending on the order and destination, the amount shown at checkout may include:

  • Product price
  • Shipping charge
  • Discount or promotion
  • Applicable sales tax
  • VAT or GST where collected
  • Duties or import charges where collected
  • Final order total

The total displayed before you submit payment is the amount associated with your order at that time.

2. Payment Methods

Irokohome accepts the payment methods available through checkout.

Depending on your location and checkout availability, these may include:

  • Major credit cards
  • Major debit cards
  • PayPal, when offered

Availability can vary by:

  • Country
  • Issuing bank
  • Payment network
  • Device
  • Payment provider

A payment method shown during checkout is considered available for that transaction unless the payment provider later declines or cannot complete it.

3. Payment Summary

  • Store currency: USD
  • Accepted payment methods: Major credit/debit cards and PayPal when available at checkout
  • Payment timing: Usually charged at checkout after successful authorization
  • Card information: Irokohome does not store full card numbers or CVV security codes on its own servers
  • Cancellation refund: Initiated within 7 business days after cancellation approval
  • Return refund: Initiated within 7 business days after the returned product is received, inspected, and approved
  • Lost-shipment refund: Initiated within 7 business days after an eligible loss is confirmed
  • Refund method: Original payment method
  • Payment-method surcharge: Irokohome does not add a fee solely because you use an accepted payment method

4. Credit and Debit Card Payments

When you pay by card, your transaction is normally submitted for authorization during checkout.

The payment provider and your card issuer determine whether the transaction is approved.

Depending on the bank and transaction, you may be asked to complete an additional security step such as:

  • One-time passcode
  • Banking-app approval
  • 3-D Secure verification
  • Strong Customer Authentication where applicable
  • Other fraud-prevention verification

If the required verification is not completed, the transaction may:

  • Be declined
  • Remain pending
  • Fail to complete

IROKOHOME does not control verification requirements imposed by your bank or card provider.

5. How Card Information Is Handled

Card payments are processed through third-party payment services integrated with our checkout.

Irokohome does not store your complete card number or CVV code on its own servers.

We may receive limited transaction information needed to manage the order, such as:

  • Payment approved or declined
  • Payment method
  • Transaction reference
  • Authorization status
  • Refund status
  • Fraud-review status
  • Dispute information

Payment credentials are processed by the payment service involved in the transaction according to its own security and privacy practices.

Please do not send the following to Irokohome by email:

  • Full card numbers
  • CVV codes
  • Banking passwords
  • Other sensitive payment credentials

6. PayPal

If PayPal appears as an option during checkout, you may use it to complete your purchase.

Available PayPal funding methods are controlled by PayPal and may include:

  • PayPal balance
  • Linked bank account
  • Debit card
  • Credit card
  • Other PayPal-supported methods

Some PayPal transactions may require additional processing before funds are confirmed.

If PayPal marks a transaction as:

  • Pending
  • Delayed
  • Uncleared

fulfillment may wait until the payment reaches an acceptable completed status.

Approved refunds for PayPal purchases are returned through the original PayPal transaction according to the applicable payment process.

7. Payment Methods Not Accepted

Unless specifically made available through our official checkout or approved by Irokohome in writing for a particular transaction, we do not accept:

  • Cash on delivery
  • Checks
  • Money orders
  • Cryptocurrency
  • Direct bank transfers
  • Payments sent outside the official checkout
  • Split payments across unrelated payment methods

Do not send money to an account, wallet, payment link, or individual that is not clearly authorized by Irokohome.

If you are unsure about a payment request, contact us before sending funds.

8. When You Are Charged

For most orders, payment is charged when checkout is completed successfully.

Once payment is accepted, an order confirmation should be sent to the contact information provided during checkout.

An order confirmation means that:

  • We received the order
  • The payment transaction was accepted at that stage

It does not mean the order has already shipped.

The order may then move into normal fulfillment, which can include:

  • Order review
  • Product check
  • Packing
  • Shipping-label preparation
  • Carrier coordination
  • Export preparation for international orders

Because our products are ready for fulfillment, some orders may move into shipment preparation shortly after payment.

9. Payment Authorization

A successful checkout generally requires approval from the payment provider and, when applicable, the issuing bank.

A transaction may not complete if:

  • The card is declined
  • Funds are unavailable
  • Billing information does not match
  • The card has expired
  • Security verification is incomplete
  • The issuing bank blocks the transaction
  • The payment provider identifies a risk
  • The transaction is restricted internationally
  • PayPal or another funding source does not clear

An order is not considered ready for fulfillment until the required payment status has been confirmed.

10. High-Value Order Verification

Some dining-set orders may require an additional check before shipment.

This can happen when:

  • The order value is unusually high
  • Billing and shipping information differ substantially
  • The payment provider flags the transaction
  • The shipping address needs confirmation
  • Order activity appears unusual
  • Additional authorization information is required

If verification is needed, we may contact you using the email address or phone number supplied at checkout.

We may ask you to confirm ordinary order information such as:

  • Name
  • Billing details
  • Shipping address
  • Contact information
  • Order information

We will not ask you by email to send:

  • Complete credit-card number
  • CVV code
  • Online-banking password
  • Account password

If required verification cannot be completed, the order may be canceled for payment or security reasons.

When Irokohome cancels a paid order for this reason, the eligible payment amount is returned to the original payment method.

11. Failed Payments

If payment does not go through, first check the information entered during checkout.

Common causes include:

  • Incorrect card details
  • Billing-address mismatch
  • Expired card
  • Insufficient funds
  • Bank security restrictions
  • International transaction restrictions
  • Incomplete verification
  • PayPal funding problems
  • Browser or checkout interruption
  • Payment-provider decline

You may try:

  • Reviewing your billing information
  • Completing any verification request from your bank
  • Using another accepted payment method
  • Trying checkout again from another browser or device
  • Contacting your bank or payment provider

If you are not sure whether the first transaction completed, do not repeatedly submit the payment.

Contact Irokohome with your Order ID or checkout information so we can help determine whether an order was created.

12. Pending Authorizations

Sometimes a bank displays a pending authorization even when a payment has not fully completed.

A pending authorization is not necessarily a completed charge.

It can represent a temporary hold placed by the card issuer while the transaction is being processed or reviewed.

If a transaction does not complete, the issuing bank normally releases the pending authorization according to its own schedule.

Irokohome cannot manually force a bank or card issuer to remove a temporary authorization hold.

13. Duplicate Pending Charges

More than one payment attempt can sometimes cause multiple pending authorizations to appear.

These are often temporary and may disappear once the bank releases the unused authorization.

If you see more than one completed charge rather than temporary pending transactions, contact us and include:

  • Order ID
  • Date of payment
  • Amount charged
  • Last four digits of the card, if relevant
  • Screenshot of the duplicate completed transaction, if helpful

Do not email the complete card number or CVV.

14. Prices and Charges at Checkout

We want the amount due to be clear before you complete a purchase.

Checkout may show:

  • Product subtotal
  • Discount
  • Shipping charge
  • Tax
  • Duties or import charges when collected
  • Final amount due

The final amount shown before payment should reflect the charges collected by Irokohome for that order.

We do not intentionally add undisclosed product or payment charges after checkout has been completed.

Shipping charges are governed by our Shipping Policy.

15. Taxes

Taxes may be charged when required based on the order and destination.

Where Irokohome collects tax, the amount will be shown as part of checkout before payment is submitted.

Tax rules vary by destination and may change.

If an approved refund includes tax originally collected by Irokohome, the refundable tax amount will be handled according to the refund and applicable tax requirements.

16. Duties and Import Charges

International orders may be subject to:

  • Duties
  • Taxes
  • Brokerage fees
  • Customs charges

If Irokohome collects a particular duty or import charge during checkout, that charge will appear before payment is completed.

If a charge is not collected by Irokohome, the following may require payment separately:

  • Carrier
  • Customs authority
  • Other local authority

We do not represent a destination-country charge as included unless it is actually included in the checkout total.

For more information about international delivery and customs, please review our Shipping Policy.

17. Foreign Currency and Exchange Rates

IROKOHOME processes orders and refunds in USD.

If your payment account uses another currency, your bank, card issuer, PayPal, or other payment provider may convert the USD amount into your local currency.

The payment provider controls:

  • Exchange rate
  • Currency-conversion fee
  • International transaction fee
  • Foreign-exchange fee
  • Local-currency posting amount

Because exchange rates can change, the local-currency value of a refund may differ slightly from the local-currency amount originally shown on your statement.

Irokohome does not control these exchange-rate differences.

18. Cancellation Refunds

Order cancellations are governed by our Cancellation Policy.

When a cancellation is approved, the eligible refund is returned in USD to the original payment method.

Irokohome initiates approved cancellation refunds:

  • Within 7 business days after cancellation approval

The bank or payment provider may require additional time before the refund appears in your account.

19. Return Refunds

Returns and post-delivery refunds are governed by our Return & Refund Policy.

If a physical product must be returned, refund processing begins after the authorized return is received and reviewed.

Approved return refunds are initiated:

  • Within 7 business days after the returned item has been received, inspected, and approved

The amount refunded depends on the applicable Return & Refund Policy and the condition of the returned item.

20. Lost Shipment Refunds

Shipping loss claims are handled under our Shipping Policy.

If an eligible shipment is confirmed lost and the approved resolution is a refund, Irokohome initiates that refund:

  • Within 7 business days after the loss and refund eligibility are confirmed

A shipment that is delayed or temporarily lacks a tracking update is not automatically considered lost.

Carrier investigation may be required before a lost-shipment refund can be approved.

21. Refund Method

Approved monetary refunds are normally issued to the original payment method used for the order.

For example:

  • Card payment → Original card
  • PayPal payment → Original PayPal transaction

IROKOHOME generally cannot redirect a refund to:

  • Another customer
  • Another card
  • Another bank account
  • An unrelated payment method

If the original payment method can no longer receive the refund, the available solution will depend on the payment provider and applicable requirements.

22. Refund Posting Time

The refund-processing period described in our policies refers to the time Irokohome takes to initiate an approved refund.

After that point, the payment provider controls when the funds appear in the customer's account.

Posting time can vary by:

  • Bank
  • Card issuer
  • PayPal
  • Payment network
  • Country
  • Currency conversion

A refund may therefore appear later than the date on which Irokohome sends it.

23. Store Credit

Approved refunds are normally returned to the original payment method.

Store credit should only be used when:

  • It is specifically offered, and
  • The customer agrees to it

A customer is not automatically required to accept store credit instead of an otherwise eligible monetary refund.

24. Payment Fees

IROKOHOME does not add an extra surcharge solely because a customer uses one of the standard payment methods offered at checkout.

Your bank, card provider, or PayPal may separately charge:

  • Foreign transaction fees
  • Currency-conversion fees
  • Account-specific charges
  • Other provider fees

Those charges are imposed by the payment provider and are not collected by Irokohome unless clearly shown as part of our checkout.

25. Payment Security

IROKOHOME uses a secure checkout designed to protect payment and customer information during transmission.

Security measures may include:

  • SSL/TLS encryption
  • Secure third-party payment processing
  • Payment-provider security controls
  • Fraud screening
  • Restricted handling of payment-status information

Payment-card credentials are processed by the payment provider used during checkout.

IROKOHOME does not store complete card numbers or CVV security codes on its own servers.

No online payment system can guarantee zero risk, but we use reasonable safeguards and payment services intended for secure ecommerce transactions.

26. Protecting Your Payment Information

For your security:

  • Do not email your complete card number
  • Do not email your CVV code
  • Do not send banking passwords
  • Do not send PayPal passwords
  • Do not share one-time bank verification codes with Irokohome support

Our support team does not need those credentials to review an order or payment issue.

If you receive a suspicious request claiming to be from Irokohome, contact us using the information published on our official website before responding.

27. Chargebacks and Payment Disputes

If you believe there is a problem with a payment, refund, shipment, or order, you may contact us first so we can review the transaction.

Please send:

  • Order ID
  • Date
  • Amount
  • Short explanation of the issue

You are not required to give up any right to contact your bank or payment provider.

If a chargeback or formal payment dispute is opened, some refund actions may need to be handled through the payment provider while its investigation is active.

IROKOHOME may provide relevant records when requested as part of a legitimate payment investigation, including:

  • Transaction records
  • Fulfillment records
  • Shipping records
  • Cancellation records
  • Return records
  • Refund records

28. Fraud Prevention

We may review transactions for signs of fraud or unauthorized use.

A fraud review may consider factors such as:

  • Payment authorization
  • Billing information
  • Shipping information
  • Order value
  • Unusual checkout activity
  • Payment-provider risk signals

A review does not mean that a customer has done anything wrong.

If we cannot reasonably verify a transaction, we may decline or cancel the order to protect:

  • The customer
  • Payment holder
  • The store

A paid order canceled by Irokohome for an unresolved verification issue will receive the applicable refund to the original payment method.

29. Payment and Other Store Policies

Different payment situations may also involve another Irokohome policy.

  • Payment method or failed transaction: Payment Policy
  • Order cancellation before shipment: Cancellation Policy
  • Shipping charge or delivery issue: Shipping Policy
  • Return after delivery: Return & Refund Policy
  • Cancellation refund: Cancellation Policy and Payment Policy
  • Return refund: Return & Refund Policy and Payment Policy
  • Lost-shipment resolution: Shipping Policy and Payment Policy when a refund is approved
  • Personal information and payment privacy: Privacy Policy

30. Changes to This Payment Policy

We may update this Payment Policy when our:

  • Checkout
  • Payment methods
  • Refund processes
  • Business operations
  • Legal requirements

change.

When an update is published, the Last Updated date at the top of this page will be revised.

Changes do not remove rights that arose before an update when those rights are protected by applicable law.

31. Contact Irokohome

For questions about:

  • Payment
  • Checkout
  • Pending authorizations
  • Duplicate charges
  • Payment verification
  • Refund status

contact:

Customer-facing online store of IROKOHOME GLOBAL FURNITURE

Business Address:

340 Buren Rd
Ketchikan, AK 99901
United States

Email: support@irokohome.com

Phone: +1 (816) 944-9196

Support Hours: Monday–Sunday, 8:00 AM–5:00 PM Alaska Time

For an existing order, please include your Order ID.

Please do not send full card numbers, CVV codes, account passwords, or other sensitive payment credentials by email.