Payment Policy

Payment Policy

Effective Date: July 11, 2026

Welcome to Hower Commerce. This Payment Policy explains the payment methods we accept, how payments are processed, our security measures, billing practices, and other important information related to purchases made through our website.

Our goal is to provide a secure, transparent, and convenient payment experience for every customer. By placing an order on our website, you agree to the terms outlined in this Payment Policy.

1. Accepted Payment Methods

Hower Commerce offers multiple payment options to make shopping convenient. Available payment methods may vary depending on your location and the products being purchased.

We may accept:

  • Visa

  • Mastercard

  • American Express (where available)

  • Mada (Saudi Arabia)

  • Apple Pay

  • Google Pay

  • STC Pay

  • Shop Pay

  • PayPal (where available)

  • Cash on Delivery (COD) for eligible locations

  • Other local payment methods supported by Shopify Payments or our payment partners

The payment methods displayed during checkout are the ones currently available for your order.

2. Currency

Prices displayed on our website are shown in the currency selected on the store or based on your region.

If your bank or card issuer uses a different currency, the final amount charged may vary due to exchange rates or fees applied by your financial institution. Hower Commerce is not responsible for these additional charges.

3. Secure Payment Processing

Your payment security is one of our highest priorities.

All online payments are processed through trusted third-party payment providers using industry-standard encryption technologies, including Secure Socket Layer (SSL) encryption.

To protect your financial information:

  • We do not store your complete debit or credit card details on our servers.

  • Payment information is transmitted securely.

  • Sensitive payment data is handled only by authorized payment processors.

  • Our website uses secure checkout technology to reduce the risk of unauthorized access.

4. Payment Authorization

When you place an order, your payment may be subject to authorization by your bank or payment provider.

In some cases:

  • Funds may be temporarily reserved before the payment is fully captured.

  • Additional verification may be required.

  • Orders may be delayed while authorization is completed.

If authorization is declined, the order may be canceled automatically.

5. Order Confirmation

After a successful payment or confirmation of an eligible Cash on Delivery order, you will receive an order confirmation email containing:

  • Order number

  • Purchased items

  • Billing summary

  • Shipping address

  • Delivery method

  • Estimated delivery information (where applicable)

If you do not receive an order confirmation, please check your spam folder or contact our customer support team.

6. Cash on Delivery (COD)

Cash on Delivery may be available for selected products and delivery locations.

For COD orders:

  • Payment is made directly to the delivery representative at the time of delivery.

  • Customers should ensure the correct payment amount is available.

  • Identification may be requested in some cases.

  • We reserve the right to limit or refuse COD service based on order history, location, or product type.

Repeated refusal of COD orders may result in restrictions on future purchases.

7. Pricing Accuracy

We work hard to ensure that all prices displayed on our website are accurate. However, occasional pricing errors may occur due to technical issues or system updates.

If an incorrect price is identified after an order has been placed, we reserve the right to:

  • Correct the price.

  • Contact you to confirm whether you wish to proceed with the corrected price.

  • Cancel the order and issue a refund if payment has already been received.

8. Taxes and Duties

Depending on your location, your order may include:

  • Value Added Tax (VAT)

  • Sales tax

  • Goods and Services Tax (GST)

  • Import duties

  • Customs fees

  • Other government charges

Where required by law, applicable taxes will be calculated and displayed during checkout.

For international orders, customers are generally responsible for any customs duties, import taxes, or additional fees imposed by local authorities unless otherwise stated.

9. Billing Information

Customers are responsible for providing accurate billing information, including:

  • Full name

  • Billing address

  • Email address

  • Phone number

  • Payment details

Incorrect billing information may result in payment delays, order verification requests, or order cancellation.

10. Fraud Prevention

To protect both our customers and our business, we use automated and manual fraud prevention measures.

Orders may be reviewed if they show signs of:

  • Unusual purchasing activity

  • Mismatched billing and shipping information

  • Multiple failed payment attempts

  • High-value transactions

  • Suspicious account behavior

We may contact you to verify your identity before processing the order.

If fraudulent activity is suspected, we reserve the right to cancel the order and notify the appropriate payment provider or authorities where required by law.

11. Failed Payments

Payments may fail for several reasons, including:

  • Insufficient funds

  • Incorrect card information

  • Expired payment card

  • Payment authorization failure

  • Bank restrictions

  • Network or technical issues

If your payment fails, you may:

  • Try again using the same payment method.

  • Use a different payment method.

  • Contact your bank or payment provider.

  • Contact our customer support team if assistance is needed.

12. Refunds

Approved refunds will be processed using the original payment method whenever possible.

Refund processing times depend on:

  • Your payment provider

  • Your bank

  • Card issuer

  • Payment gateway

While we initiate approved refunds promptly, it may take several business days for the funds to appear in your account.

Please refer to our Return & Refund Policy for detailed eligibility and procedures.

13. Promotional Codes and Discounts

From time to time, Hower Commerce may offer:

  • Discount codes

  • Promotional coupons

  • Seasonal sales

  • Limited-time offers

  • Bundle discounts

Unless otherwise stated:

  • Promotional codes cannot be combined.

  • Codes must be applied before completing checkout.

  • Discounts cannot be applied after an order has been placed.

  • Promotions have expiration dates and may be withdrawn without notice.

14. Subscription Payments (If Applicable)

If we offer subscription-based products or services in the future:

  • Payments will be charged according to the selected subscription plan.

  • Customers may manage or cancel subscriptions through their account where available.

  • Renewal terms will be clearly disclosed before enrollment.

15. Payment Security Responsibilities

Customers are encouraged to help protect their payment information by:

  • Using secure internet connections.

  • Keeping account passwords confidential.

  • Monitoring account activity regularly.

  • Reporting unauthorized transactions to their bank immediately.

  • Contacting us if they suspect fraudulent activity related to an order.

16. Chargebacks

If you believe a payment was made in error, please contact our customer support team before initiating a chargeback with your bank or card issuer.

Submitting a chargeback without first contacting us may delay resolution.

Fraudulent or abusive chargebacks may result in:

  • Account suspension

  • Order cancellation

  • Restriction from future purchases

  • Legal action where appropriate

17. Payment Disputes

If you have concerns about a payment, billing error, or transaction, we encourage you to contact our support team.

We will make reasonable efforts to investigate and resolve payment-related issues promptly and fairly.

18. Changes to This Payment Policy

We may update this Payment Policy from time to time to reflect changes in:

  • Payment methods

  • Legal requirements

  • Banking regulations

  • Business operations

  • Technology and security practices

Updated versions will be posted on this page with a revised Effective Date.

Continued use of our website after changes are published constitutes acceptance of the updated policy.

19. Contact Us

If you have questions regarding payments, billing, refunds, or any part of this Payment Policy, please contact us using the information provided on our Contact Us page.

Our customer support team will be happy to assist you and provide clarification where needed.

Final Statement

At Hower Commerce, we are committed to providing a secure, reliable, and transparent payment experience. We continuously work with trusted payment partners and use industry-standard security measures to protect your transactions and personal information.

Thank you for shopping with Hower Commerce. We appreciate your trust and look forward to serving you with confidence, convenience, and exceptional customer service.