PAYMENT POLICY
From Cart Review to Payment Confirmation
Last Updated: August 26, 2026
The payment options displayed during checkout are the options currently available for that transaction.
Because payment availability can depend on the ecommerce platform, payment provider, transaction, or customer location, CLOTH & HEARTH LLC does not promise that every payment method will always be available.
Payment Authorization
An order normally begins processing only after payment is successfully authorized.
Banks and payment providers may independently evaluate:
- Available funds;
- Billing details;
- Card validity;
- Authentication requirements;
- Account restrictions;
- Fraud-prevention indicators.
A declined payment does not necessarily mean our website is malfunctioning.
Keep Payment Credentials in Checkout
Do not email us:
- Complete payment-card numbers;
- Card security codes;
- Banking passwords;
- Digital-wallet passwords;
- Payment-account login credentials.
Sensitive payment information should be entered only through the secure checkout or the authorized payment provider presented there.
What You See Before Paying
Before completing checkout, customers should be able to review the applicable:
- Merchandise subtotal;
- Shipping cost;
- Taxes where applicable;
- Discounts;
- Final order total.
CLOTH & HEARTH LLC does not charge a separate standard payment-processing fee simply because a normal supported payment method is used.
A bank, card issuer, or payment provider may independently impose its own fees.
Verification
An unusual transaction may occasionally require additional verification before fulfillment.
If required verification cannot reasonably be completed, we may place the order on hold or cancel it.
Refunds
Approved refunds are normally returned to the original payment method.
We do not charge a separate refund-processing fee.
Once we issue a refund, your financial institution may require additional time to display the funds.
Contact
Payment questions may be sent to: