Payment Authorization

Purpose of this authorization

This Payment Authorization describes the terms that generally apply when you direct DecorationPath or its payment processor to charge a payment method for an identified transaction.

Payment authorization may be requested in connection with:

• A full furniture purchase.
• A required financing down payment.
• A minimum financing-account payment.
• A custom financing-account payment.
• An outstanding order or account balance.
• An approved delivery, redelivery, or other disclosed charge.
• Another payment specifically presented for your approval.

Types of DecorationPath payments

The payment screen presented before authorization should identify the payment type, amount, and account or order to which the payment will be applied.

Payment methods

Available payment methods may include credit cards, debit cards, digital wallets, bank-based payment methods, or another method supported by DecorationPath’s payment processor.

Not every payment method will necessarily be available for every transaction. Availability may depend on:

• The payment type and amount.
• The customer’s device and browser.
• The payment processor’s capabilities.
• The issuing bank or financial institution.
• Fraud-prevention and verification requirements.
• Geographic, account, or transaction restrictions.

You represent that you are the authorized holder or permitted user of the payment method submitted.

One-time payment authorization

Unless the payment screen expressly states otherwise, each DecorationPath payment is treated as a one-time authorization for the amount and transaction displayed before submission.

By completing the payment step, you authorize DecorationPath and its payment processor to:

• Submit the approved amount to your selected payment method.
• Request authorization from the issuing bank or financial institution.
• Capture or complete the approved transaction.
• Apply the payment to the identified order or financing account.
• Provide a receipt or payment-status notification.
• Reverse, void, or refund the transaction when appropriate.

Recurring or automatic payments

This public Payment Authorization page does not enroll a customer in automatic or recurring payments.

DecorationPath will not treat the authorization of a down payment, minimum payment, custom payment, or furniture purchase as authorization for future recurring debits.

If an automatic-payment feature is offered in the future, the customer must receive and accept a separate authorization that identifies:

• The payment method to be charged.
• Whether the amount is fixed or variable.
• The payment frequency or scheduled dates.
• How payment amounts will be determined.
• How advance notice of variable payments will be provided.
• How the authorization may be cancelled or revoked.
• Any other information required by applicable law.

Payment amount and transaction review

Before submitting a payment, review the displayed:

• Payment amount.
• Payment type.
• Order or financing account.
• Customer or billing information.
• Payment method.
• Applicable taxes, delivery charges, or other disclosed amounts.
• Any separate authorization or transaction terms.

Do not submit the payment if the amount or transaction information appears incorrect.

A payment authorization applies to the amount shown at the time of approval. DecorationPath will not increase that amount after submission without obtaining any additional authorization required by law.

How payments are processed

DecorationPath uses a third-party payment processor to securely process supported payment methods. The processor may communicate with card networks, banks, digital-wallet providers, and other financial institutions to request authorization and complete the payment.

Payment timing and account posting

A payment may be authorized immediately but take additional time to settle, post, or become final.

Timing may depend on:

• The payment method used.
• The issuing bank or financial institution.
• The payment processor.
• The time and day the payment is submitted.
• Fraud, identity, or security review.
• Bank holidays or processing interruptions.
• Whether the transaction is later returned or reversed.

A temporary authorization or pending transaction may appear before the payment is fully completed.

Available credit, order status, or account balance may not update until the payment reaches the required processing status.

Declined, failed, or returned payments

A payment may be declined, failed, reversed, or returned because of:

• Insufficient funds or available credit.
• Incorrect payment information.
• An expired or restricted payment method.
• A bank or issuer decline.
• Fraud-prevention or identity-verification concerns.
• A customer dispute or payment reversal.
• A processor, network, or technical error.
• A closed or unavailable financial account.

A failed or returned payment does not satisfy the associated purchase or account obligation.

When permitted by the accepted agreement and applicable law, a returned payment may result in an account adjustment, restriction, disclosed charge, or request for another payment method.

Cancellation requests

A payment-cancellation request should be submitted as soon as possible. DecorationPath may be unable to cancel a payment after it has been authorized, captured, submitted for settlement, or completed.

When a payment can no longer be cancelled, a refund or reversal may be considered under the applicable purchase, return, cancellation, financing, and payment terms.

Cancelling a payment does not automatically cancel:

• The underlying furniture order.
• An accepted financing agreement.
• A payment obligation.
• A delivery appointment.
• A separate transaction or authorization.

Order cancellation must be requested separately under the Returns & Cancellations policy.

Refunds, voids, and reversals

When a refund is approved, it will generally be returned through the original payment method unless another method is required or permitted.

The time needed for a refund to appear depends on the payment processor, card network, bank, payment method, and financial institution.

A voided authorization may disappear from the customer’s account differently from a completed payment that is later refunded.

For financed purchases, a return or refund may require separate adjustments to:

• The down payment.
• The financed purchase balance.
• The account ledger.
• Available credit.
• Accrued or posted account activity.
• The associated furniture order.

Unauthorized or disputed payments

Contact DecorationPath promptly if you believe a payment was unauthorized, duplicated, incorrectly processed, or applied to the wrong order or account.

You may also have rights to contact your bank, card issuer, or financial institution concerning a suspected billing error or unauthorized transaction.

When contacting DecorationPath, provide:

• Your name and non-sensitive contact information.
• The payment date.
• The payment amount.
• The associated order or account reference, when available.
• A description of the suspected error.

Do not send your full card number, bank account number, Social Security number, password, or security code through ordinary email.

Filing a payment dispute does not automatically resolve the underlying furniture order or financing obligation. The transaction and account records may require separate review.

Payment security and verification

DecorationPath and its payment processor may use security, authentication, fraud-prevention, and verification measures to protect customers and transactions.

These measures may include:

• Encrypted payment pages.
• Address and security-code verification.
• Digital-wallet authentication.
• Device, browser, session, and transaction monitoring.
• Issuer or bank authentication.
• Additional identity or account verification.
• Temporary payment or account restrictions.

A payment may be delayed or declined when verification cannot be completed or suspicious activity is detected.

DecorationPath generally does not need customers to send complete payment credentials through email, text message, or customer support communications.

Receipts and payment records

After a payment is submitted, DecorationPath may provide an electronic confirmation, receipt, status update, or Customer Hub record.

Payment records may include:

• The payment amount.
• The payment date and time.
• The payment type.
• The associated order or financing account.
• A masked description of the payment method.
• The payment status.
• A processor or transaction reference.
• Refund, reversal, or return information.

Customers should retain payment confirmations and review their Customer Hub, bank, or card records for accuracy.

Electronic delivery of payment records is also subject to the applicable E-SIGN Consent.

Payment authorization statement

When you complete the applicable payment action, you affirm the following:

Viewing this page alone does not authorize a payment. Authorization is recorded when you complete the applicable payment or checkout action.

Questions and assistance

Contact DecorationPath if you need help confirming a payment, locating a receipt, reporting a suspected duplicate charge, requesting an eligible cancellation, or reviewing an account payment.

For account security, DecorationPath may require identity or transaction verification before discussing or changing payment-related information.

Customer care cannot guarantee that a submitted payment can be cancelled after processing has begun.