At HomeNeeds], we aim to provide a secure, seamless, and transparent payment experience for all customers. This Payment Policy outlines the methods you can use to pay for your orders, how we process and protect your payment information, and what you can expect in cases of payment issues or refunds. All transactions on our website are handled through trusted, PCI-compliant payment gateways to ensure your personal and financial data is fully protected.

We offer multiple payment options to make your shopping experience easy and flexible, including credit/debit cards, cash on delivery (where available), and supported local payment partners. Before completing a purchase, you will see a full breakdown of product prices, taxes, shipping fees, and any applicable charges. By placing an order, you agree to the terms outlined in this Payment Policy, ensuring a smooth and secure checkout process every time you shop with us.

1. Accepted payment methods

We accept the following payment methods (available options may vary by region at checkout):

  • Credit / Debit Cards (Visa, MasterCard, Maestro)
  • Cash on Delivery (COD) where available
  • Bank Transfer / Fawry / Local gateway options (if integrated)
  • Digital wallets (e.g., merchant wallet; availability depends on integrations)

2. Payment processing & security

  • All card payments are processed through licensed, PCI-compliant payment gateways. We do not store full card numbers on our servers.
  • You may be asked to complete 3DS or OTP verification from your bank for security.

3. Payment authorization

For card transactions we perform an authorization at checkout to ensure funds are available. For failed authorizations, the order will be placed on hold and you will be asked to reattempt payment.

4. Pricing, taxes, and fees

  • Prices shown include any applicable taxes unless stated. Shipping fees and any other charges are shown at checkout before payment.
  • We reserve the right to correct pricing errors; if an error is discovered after payment, we will notify you and either cancel the order with a full refund or seek your confirmation for the corrected price.

5. Refunds & chargebacks

Refunds will be issued to the original payment method where possible. If you used COD or bank transfer, refunds may be issued via bank transfer or store credit as appropriate. Refunds may take up to 30 days to reflect in your account. If you believe a transaction is unauthorized, contact your bank immediately and notify us so we can assist.

6. Failed or delayed payments

If payment is declined, the order will not be processed. For COD orders that fail on delivery (customer unavailable) the courier may return the package to us and cancellation/return rules will apply.

7. Fraud prevention & order cancellations

  • We may cancel or pause orders if we detect suspicious or potentially fraudulent activity. We will notify you and provide next steps