Payment Policy

Payment Policy

This Payment Policy explains accepted methods, timing, and important terms for purchases made on https://horizoncrafted.com.

1. Accepted Methods

Credit & Debit Cards (Visa, MasterCard, American Express, Discover)
WooCommerce Payments / Stripe
Apple Pay / Google Pay (where supported via Stripe)
PayPal (if enabled at checkout)

2. Authorization & Collection

Payment is authorized and collected at checkout.
Orders are produced and shipped only after successful payment.
We may request additional verification to prevent fraud.

3. Pricing, Currency & Taxes

Prices are listed in U.S. Dollars (USD) and may change without notice.
Applicable sales tax is calculated at checkout based on your shipping address.

4. Security

Payments are processed by secure third‑party providers (e.g., WooCommerce Payments/Stripe, PayPal).
Horizon Crafted LLC does not store full card numbers.

5. Failed, Declined, or Reversed Payments

Declined payments will not create or proceed an order.
Charged‑back or reversed payments may result in cancellation and account restrictions.

6. Refunds

Approved refunds (per our Refund Policy) are issued to the original payment method.
Refund timing depends on your financial institution (typically 3–10 business days after processing).

7. Custom & Personalized Orders

Full payment is required before production begins.
Cancellations are only allowed before production starts; see Refund Policy for details.

8. Buy Now, Pay Later (BNPL)

If offered (e.g., Klarna, Afterpay), BNPL terms are governed by the provider’s agreement and policies.