At www.wholesale.hometals.com (“Website”), we strive to provide a seamless and secure payment experience for our users. This Payments Policy outlines the terms and conditions related to payment methods, processing, and security for transactions made on our Website. By completing a transaction, you agree to this Payments Policy.

Accepted Payment Methods We accept the following payment methods:

1. Credit/Debit Cards: Major cards including Visa, MasterCard and American Express.
2. Online Payment Gateways: Secure payment processing through platforms like PayPal or other third-party providers listed at checkout.
3. Bank Transfers: Available for certain transactions; details will be provided at checkout.
4. Other Methods: Additional payment options may be made available depending on your location.

Payment Processing

1. Authorization: Upon placing an order, the payment method provided will be authorized to ensure sufficient funds or credit availability.
2. Charges: Payments will be charged upon order confirmation unless otherwise stated.
3. Currency: Transactions are processed in the currency displayed at checkout. Currency conversion fees may apply if using a payment method in a different currency.
4. Receipts: A confirmation email with the payment receipt will be sent to the email address provided during checkout.

Security Measures We are committed to protecting your payment information. Our security practices include:

1. Encryption: All transactions are encrypted using Secure Socket Layer (SSL) technology to ensure data integrity and privacy.
2. Compliance: Our payment processors adhere to Payment Card Industry Data Security Standards (PCI DSS).
3. Fraud Prevention: Transactions are monitored for suspicious activity, and additional verification may be required to ensure security.

Cancellations and Refunds

1. Order Cancellations: Orders can be cancelled before shipment. Please contact our customer support team promptly for assistance.
2. Refunds: Refunds are processed to the original payment method and may take up to 14 business days, depending on your financial institution.
3. Non-Refundable Items: Custom or personalized items may not be eligible for refunds unless defective or damaged.
4. Disputes: For payment-related disputes, contact us at support@hometals.com.

Taxes and Duties

1. Sales Tax: Applicable taxes are calculated based on your shipping address and will be displayed at checkout.
2. Import Duties: For international orders, additional duties or taxes may apply, which are the responsibility of the customer.

Late or Failed Payments

1. Failed Transactions: In the event of a failed payment, you will be notified immediately, and the order will not be processed until the issue is resolved.
2. Late Payments: Orders with outstanding balances will be placed on hold until full payment is received.

Changes to This Payments Policy We may update this Payments Policy from time to time to reflect changes in our practices or legal requirements. Updates will be effective upon posting on the Website. We encourage you to review this policy regularly.

Contact Us If you have any questions or concerns about this Payments Policy, please contact us at support@hometals.com.