Billing Policy

Effective Date: May 2026

Welcome to NACS Home Decor. This Billing Policy explains how payments, pricing, billing disputes, refunds, and fraud prevention are handled for purchases made through our website.

By placing an order with us, you agree to the terms outlined below.

Accepted Payment Methods

We currently accept the following payment methods:

  • Visa
  • MasterCard
  • American Express
  • Discover
  • PayPal
  • Apple Pay
  • Google Pay
  • Shop Pay

All transactions are processed in United States Dollars (USD).

Payment Authorization & Order Charges

When you place an order, your payment method will be authorized and charged for:

  • Product price
  • Applicable shipping and handling charges
  • Applicable sales tax

Orders may not be processed if payment authorization fails.

If your payment cannot be completed, you will be notified and may be asked to update your payment information.

Charge Timing

Standard Orders

Payment is charged immediately at the time the order is placed.

Pre-Orders & Backorders

Payment timing for pre-orders or backordered items may vary and will be clearly stated on the product page or during checkout.

Custom & Made-to-Order Products

Full payment is required before production begins.

Pricing & Product Availability

All prices listed on our website are in USD and are subject to change without notice.

While we strive for accuracy, occasional pricing or typographical errors may occur. If an item is listed at an incorrect price:

  • We may cancel the order
  • We may contact you to confirm the order at the correct price
  • You will have the option to accept the corrected price or receive a full refund

We reserve the right to limit or cancel orders at our discretion.

Sales Tax

Sales tax is calculated based on the shipping destination and applicable state and local tax laws.

Applicable taxes are displayed during checkout before payment is completed.

Shipping Charges

Shipping charges are calculated based on:

  • Product weight and dimensions
  • Shipping destination
  • Delivery method selected

Shipping costs are displayed at checkout before payment is finalized.

Shipping charges are generally non-refundable unless the return is due to our error.

Payment Security

We take payment security seriously.

Our website uses:

  • SSL (Secure Socket Layer) encryption
  • PCI DSS-compliant payment processors

For your protection:

  • We do not store full credit card information on our servers
  • Payment information is securely processed by trusted third-party providers

Failed or Declined Payments

If a payment is declined or cannot be processed:

  • The order may be delayed or canceled
  • You may receive an email notification requesting updated payment information

Orders will not ship until payment has been successfully completed.

Billing Disputes & Errors

If you believe there is a billing error or unauthorized charge, please contact us immediately.

Email: support@nacshomedecor.com
Phone: +1 (302) 607-9889

We typically investigate billing concerns within 3–5 business days.

If an error is confirmed, we will promptly correct the issue and issue any applicable refund.

Chargebacks

We encourage customers to contact us directly before filing a chargeback with their bank or payment provider.

Most billing and order issues can be resolved quickly through our customer support team.

Fraudulent or abusive chargebacks may result in:

  • Order cancellation
  • Account restrictions
  • Refusal of future service
  • Submission of supporting evidence to the payment processor during dispute resolution

We reserve the right to dispute invalid chargebacks.

Refund Processing

Approved refunds are issued to the original payment method.

Estimated refund timelines:

  • Processing by NACS Home Decor: 5–7 business days after approval
  • Credit card refunds: typically 5–10 business days
  • PayPal refunds: typically 3–5 business days
  • Debit card refunds: typically 5–10 business days

Refunds may be adjusted for:

  • Applicable restocking fees
  • Return shipping costs
  • Non-refundable shipping charges

For complete details, please review our Refund Policy.

Promotional Codes & Discounts

Promotional codes must be applied during checkout.

Unless otherwise stated:

  • Only one promotional code may be used per order
  • Discounts cannot be applied retroactively
  • Promotions may be modified or canceled at any time

Refunds are based on the actual amount paid after discounts are applied.

Currency Conversion & International Fees

If you are using a payment method issued outside the United States:

  • Currency conversion rates are determined by your financial institution
  • International transaction fees may apply

NACS Home Decor is not responsible for additional bank or currency conversion charges.

Order Changes & Modifications

If you need to modify your order, please contact us immediately after placing it.

Before Shipment

We will attempt to accommodate order changes whenever possible.

After Shipment

Orders that have already shipped cannot be modified.

In such cases, customers may need to follow our Return Policy after delivery.

Fraud Prevention

To protect our customers and business from fraud, we reserve the right to:

  • Verify billing and shipping information
  • Request additional identity verification
  • Cancel suspicious or high-risk orders
  • Refuse service in cases of suspected fraud

Orders may be flagged for review if:

  • Billing and shipping addresses do not match
  • Multiple payment attempts are made
  • Freight forwarding addresses are used
  • Unusual purchasing activity is detected

Fraudulent activity may be reported to law enforcement or financial institutions when appropriate.

Contact Information

For billing questions or payment support, please contact:

Billing Department
Email: support@nacshomedecor.com
Phone: +1 (302) 607-9889
Business Hours: Monday–Friday, 9:00 AM – 5:00 PM EST