Payment Methods

At Lume Hearth, we want to make your shopping experience secure, convenient, and transparent. Please review the payment and billing information below before placing an order.

Secure Checkout

Lume Hearth uses industry-standard SSL encryption to help protect your personal and financial information during checkout.

All payments are securely processed through trusted third-party payment gateways. Lume Hearth does not store full credit card details on our website or servers.

Payment method availability may vary by device, browser, location, order value, payment provider settings, or checkout eligibility. If a payment method is not shown at checkout, it may not be available for that order.

Accepted Payment Methods

We accept the secure payment methods displayed at checkout.

Credit and Debit Cards

Visa

Mastercard

American Express

Diners Club

Express Checkouts and Digital Wallets

Shop Pay

Apple Pay

Google Pay

PayPal Wallet

Flexible Financing

Shop Pay Installments

Shop Pay Installments may be available for eligible orders and is subject to approval by the payment provider. Availability, payment schedule, eligibility, and financing terms are determined by the payment provider and may vary by order.

Currency

All prices displayed on our website are listed in U.S. Dollars (USD).

All transactions are processed in U.S. Dollars (USD). Your bank, card issuer, or payment provider may apply additional charges, currency conversion fees, or foreign transaction fees if applicable. These fees are not charged by Lume Hearth.

Payment Timing

Your payment is authorized and charged in full when the order is placed.

Orders will enter processing only after successful payment confirmation.

If payment cannot be authorized, the order may not be processed. If there is an issue with payment authorization, fraud screening, order verification, or dispatch, we will contact you by email.

Billing Information

Customers are responsible for providing accurate billing information, shipping information, contact details, and order details before submitting an order.

To help prevent fraud and protect customers, billing information may need to match the details on file with your financial institution or payment provider.

If incorrect or incomplete billing information causes a payment failure, order delay, verification issue, or cancellation, Lume Hearth is not responsible for resulting delays.

Order Confirmation

After you place an order, you will receive an order confirmation email. This email confirms that we have received your order and are reviewing it for payment authorization, product availability, shipping information, and order accuracy.

If a pricing error, product information error, stock shortage, payment issue, suspected fraud, unavailable item, or incorrect customer information is identified before dispatch, Lume Hearth may contact you by email before proceeding.

If an order is canceled before dispatch due to one of these issues, a full refund will be issued to your original payment method.

Payment Verification and Fraud Prevention

For customer protection and fraud prevention, some orders may require additional verification before processing.

Verification may include confirming billing details, shipping information, payment authorization, order details, or customer contact information.

If additional verification is required, we will contact you by email. Failure to complete required verification may result in order delay or cancellation.

Failed or Duplicate Payments

If you experience a failed payment, declined transaction, duplicate charge, or technical checkout issue, please contact our customer support team before placing the order again.

If a duplicate payment is confirmed, Lume Hearth will review the transaction and issue a refund to the original payment method where appropriate.

Refund posting times may depend on your bank, credit card provider, or payment processor.

Refunds to Original Payment Method

Approved refunds are issued back to the original payment method used at checkout.

Once an approved refund is processed by Lume Hearth, your bank, credit card provider, or payment processor may require additional time to post the refund to your account.

Lume Hearth cannot issue refunds to a different card, bank account, wallet, or payment method unless required by the payment provider or applicable law.

Payment Security

Payment details are processed through secure third-party payment systems and are not visible to our staff.

Please do not send full credit card numbers, passwords, or sensitive payment information by email, live chat, or any unsecured communication channel.

If we need additional information to verify an order, we will only request information necessary to confirm the transaction, customer identity, or order details.

Changes to Payment Methods

Available payment methods may change from time to time based on payment provider availability, checkout settings, customer location, fraud prevention settings, or platform updates.

The payment methods shown at checkout are the available options for that specific order.

Contact Us

If you experience technical difficulties or have questions about payment processing, please contact our customer support team before re-submitting your order.