Payment Policy

This Payment Policy explains the payment methods, currency, taxes, payment processing, and refund procedures used by Clothcottagehome.

Accepted Payment Methods

We accept the payment methods displayed during Shopify checkout, including:

  • Visa

  • Mastercard

  • American Express

  • Discover

  • Shop Pay

  • Apple Pay

  • Google Pay

  • PayPal

The availability of Apple Pay, Google Pay, Shop Pay, or PayPal may depend on the customer’s device, browser, account, and location.

Payment must be successfully authorized before an order enters fulfillment.

Currency

All product prices, shipping charges, taxes, refunds, and other amounts are displayed and processed in U.S. dollars (USD).

If your bank or payment provider uses another currency, it may apply its own exchange rate or transaction fee. These charges are controlled by the payment provider and are not collected by Clothcottagehome.

Sales Tax

Applicable sales tax is calculated automatically during checkout based on the order and delivery information.

Product prices do not include sales tax unless the website clearly states otherwise.

The applicable tax amount will be displayed before the customer completes the purchase.

Payment Processing

Payments are processed through:

  • Shopify Payments

  • PayPal

  • Applicable card networks

  • Enabled digital wallet providers

We do not store complete payment card numbers on our own systems.

Payment providers may perform fraud-prevention, security, address verification, or identity checks before approving a transaction.

Payment Authorization

When you place an order, your payment method may be authorized or charged according to the payment provider’s processing rules.

Submitting an order does not guarantee that the payment will be approved or that the order will be accepted.

If payment cannot be authorized, the order will not enter fulfillment.

Failed or Declined Payments

A payment may be declined because of:

  • Incorrect card or billing information

  • Insufficient funds

  • An expired payment method

  • Address verification problems

  • Bank security restrictions

  • Suspected fraud

  • Payment provider technical issues

If a payment is declined, confirm your billing information or contact your bank or payment provider before trying again.

For security reasons, we may not be able to see the specific reason a bank declined a transaction.

Order Review and Fraud Prevention

Orders may be reviewed for fraud prevention and payment security.

We may request additional information when reasonably necessary to verify an order. If payment or order information cannot be verified, the order may be canceled.

If a canceled order was successfully charged, the applicable amount will be refunded to the original payment method.

Pricing Errors

We make reasonable efforts to display accurate prices.

If a material pricing or checkout error affects an order, we may contact the customer for instructions or cancel and refund the order.

We will not charge a different price without the customer’s authorization.

Refunds

Approved refunds are issued to the original payment method according to our Return & Refund Policy.

We cannot send a refund to a different:

  • Credit or debit card

  • PayPal account

  • Bank account

  • Digital wallet

  • Payment method

After a refund is issued, the bank or payment provider may need an additional 5–10 business days to post the credit.

Installments and Gift Cards

We do not offer:

  • Installment payment plans

  • Shop Pay Installments

  • Store gift cards

  • Cash on delivery

  • Payment by check

  • Bank transfer

Shop Pay is accepted only as an available checkout and payment option. Shop Pay Installments is not offered.

Payment Security

Customers should not send complete card numbers, passwords, account credentials, or other sensitive payment information by email.

If you believe a payment method was used without permission, contact your bank or payment provider immediately.

Contact Us

Clothcottagehome is operated by CLOTH & COTTAGE LLC.

For questions about a payment connected to an order, email support@clothcottagehome.com.

Customer service is available Monday through Friday, 9:00 AM–6:00 PM ET. Messages are normally answered within 1–2 business days.

Business address:
216 N Marion St
Kirksville, MO 63501-2960
United States