Payment Policy

Welcome to Exotic Decor USA. We are committed to making your luxury home decor shopping experience as seamless and secure as possible. This payment policy outlines how we handle transactions, accepted payment methods, and billing support for every order placed on exoticdecor.us.

Last Updated: April 2026

Secure Checkout

Your financial security is our top priority at Exotic Decor USA. Our website uses SSL encryption and industry-standard security protocols to protect your data during every checkout. We do not store your full credit card information on our servers. All transactions are processed through trusted, PCI-compliant payment gateways.

Accepted Payment Methods

We accept a wide range of payment options to make purchasing our luxury home decor as convenient as possible:

• Credit & Debit Cards: Visa, MasterCard, and American Express
• PayPal: Secure checkout via your PayPal account
• Digital Wallets: Additional secure digital payment options available at checkout
• Currency: All orders are processed in US Dollars (USD)

Order Processing & Payment Timing

• Payment is authorised and captured at the time you place your order on exoticdecor.us
• Once payment is confirmed, your order enters our handling and fulfilment process
• Standard handling time is 1–2 business days (Monday to Friday) before your order is dispatched
• To ensure same-day processing, please complete your order before 5:00 PM EST on business days

Taxes & Additional Fees

• Applicable US sales tax will be calculated and displayed at checkout based on your delivery address
• The price shown at checkout is the final amount charged — there are no hidden fees added after purchase
• For any questions about tax charges on your order, contact us at info@exoticdecor.us

Payment Security & Fraud Prevention

Exotic Decor USA takes payment fraud seriously. We reserve the right to cancel any order that triggers our fraud detection systems or where payment cannot be successfully verified. In such cases, you will be notified by email, and a full refund will be issued if payment was already captured.

Failed or Declined Payments

If your payment is declined at checkout:

• Double-check your card details and billing address
• Ensure your card is authorized for online purchases
• Try an alternative payment method
• Contact your bank if the issue persists
• Reach out to our support team at info@exoticdecor.us for further assistance

Refunds & Chargebacks

Refunds for eligible returns are processed back to your original payment method within 5–10 business days of us receiving the returned item. For full details on our return conditions, please review our Shipping & Returns policy. If you believe there is an error in a charge, please contact us before initiating a chargeback — we are happy to resolve any billing issues directly.

Billing Support

If you have any questions about a charge, need a payment receipt, or require assistance with your order payment, our team is here to help:

• Email: info@exoticdecor.us
• Contact page: https://exoticdecor.us/contact-us/
• Hours: Monday to Friday, 9:00 AM – 6:00 PM EST

Frequently Asked Questions

Q: What payment methods does Exotic Decor USA accept?

Exotic Decor USA accepts Visa, MasterCard, American Express, PayPal, and other secure digital wallets. All transactions are processed in US Dollars (USD).

Q: Is it safe to enter my card details on exoticdecor.us?

Yes. Exotic Decor USA uses SSL encryption and PCI-compliant payment gateways. We never store your full card details on our servers.

Q: When is my payment charged?

Your payment is authorized and captured at the time you place your order. You will receive an email confirmation once payment is successfully processed.

Q: Can I get a refund to my original payment method?

Yes. Refunds for eligible returns are issued back to your original payment method within 5–10 business days of us receiving the returned item. See our Shipping & Returns page for full conditions.

Q: What should I do if my payment is declined?

Check your card details and billing address, ensure your card is enabled for online purchases, or try an alternative payment method. You can also contact us at info@exoticdecor.us for direct support.

Q: Does Exotic Decor charge any hidden fees?

No. The price displayed at checkout is the final amount you pay. There are no hidden fees or surprise charges added after your purchase.