Payment Methods

Your Security and Convenience are Our Top Priority in Every Transaction

At DECKIFY LLC, we believe that the journey to furnishing your dream home should be seamless from inspiration to installation—and that includes the checkout process. We understand that online transactions require a foundation of trust, clarity, and absolute security. Therefore, we have meticulously designed our payment ecosystem to be as robust, flexible, and user-friendly as the furniture we create. Our partnership with Stripe, a globally recognized leader in online payment processing, is the cornerstone of this commitment. This collaboration ensures that your financial data is handled with the highest levels of encryption and security protocols, far exceeding industry standards. Whether you prefer traditional credit cards, modern digital wallets, or other innovative payment solutions, DECKIFY offers a diverse portfolio of payment methods to cater to your convenience. This page is your comprehensive guide to how payments work on our platform, detailing the security measures we employ, the options available to you, and the steps we take to ensure every transaction is smooth, safe, and successful. Your peace of mind is not just our goal; it is our promise.

I. Our Payment Partner: An In-Depth Look at Stripe

Why We Chose Stripe: A Decision Rooted in Trust and Technology

Our selection of Stripe as our exclusive payment gateway was not made lightly. It was the result of extensive research and a unwavering commitment to providing our customers with the best possible financial security and experience. Stripe is not just a payment processor; it is a comprehensive financial infrastructure platform that powers millions of businesses worldwide, from nascent startups to Fortune 500 companies.

Key Reasons for Our Partnership with Stripe:

  • Unparalleled Security: Stripe is certified as a PCI Service Provider Level 1, which is the most stringent level of certification available in the payment industry. This means they adhere to a comprehensive set of over 300 security controls and requirements, ensuring that every piece of your sensitive data is protected against breaches and fraud.

  • Global Reach, Local Expertise: Stripe is built for international commerce. It seamlessly handles transactions in over 135 currencies and supports a vast array of local payment methods from around the world. This aligns perfectly with our mission to serve customers across the United States and internationally.

  • Reliability and Uptime: Stripe’s platform is engineered for exceptional reliability, with a proven track record of 99.99%+ uptime. This ensures that our checkout process is always operational when you are ready to complete your purchase, eliminating frustrating disruptions.

  • Sophisticated Fraud Prevention: Stripe employs advanced machine learning algorithms and a dedicated team of security experts through its product, Stripe Radar. This system analyzes billions of data points across the global Stripe network to detect and block fraudulent transactions in real-time, protecting both you and DECKIFY.

How Stripe Protects Your Data: A Technical Overview

When you make a payment on deckify.site, your sensitive financial information never actually touches our servers. This is a critical security architecture known as tokenization. Here’s how it works:

  1. Encrypted Transmission: The moment you enter your payment details on our secure checkout page, the information is encrypted directly from your browser and sent to Stripe’s servers over a secure, HTTPS-encrypted connection.

  2. Tokenization: Stripe instantly converts your raw payment details (like your credit card number) into a random string of characters called a “token.” This token is unique to your transaction and your specific payment method but is useless to anyone who might intercept it.

  3. Secure Storage and Use: We store only this non-sensitive token on our servers. For any subsequent transactions, such as processing a refund, we send this token back to Stripe to authorize the action. Your actual bank account or card details are safely vaulted within Stripe’s ultra-secure environment, never residing on our systems.

This process ensures that your data is shielded throughout the entire payment lifecycle, significantly reducing the risk of exposure.

II. Comprehensive Guide to Accepted Payment Methods

We offer a wide array of payment options to accommodate the diverse preferences of our global customer base. Below is a detailed breakdown of each method.

1. Credit and Debit Cards

This is the most traditional and widely used form of payment on our platform. We accept all major card networks through the Stripe gateway.

  • Accepted Cards:

    • Visa: All Visa credit, debit, and prepaid cards.

    • Mastercard: All Mastercard credit, debit, and prepaid cards.

    • American Express: All American Express credit and charge cards.

    • Discover: All Discover and Diners Club cards.

  • How It Works:

    • At checkout, you will select the “Credit or Debit Card” option.

    • You will be prompted to enter your card information: Card Number, Expiration Date, CVC (Card Verification Code), and the cardholder’s name and billing address.

    • Stripe will perform a series of instant, behind-the-scenes checks (including Address Verification Service – AVS and CVC check) to validate the card.

    • The payment is then authorized, and the funds are reserved on your card. The actual charge is captured once your order is prepared for shipment.

  • Security Features for Card Payments:

    • 3D Secure 2 Authentication: For added security, certain transactions may require 3D Secure authentication. This is an extra layer of protection that redirects you to your card issuer’s website or app for verification, often via a one-time password or biometric confirmation on your phone. This protocol, known as Strong Customer Authentication (SCA) in many regions, makes online card payments even more secure.

2. Digital Wallets: The Future of Checkout

For the ultimate in speed and convenience, we support leading digital wallets. These methods allow you to pay without manually entering your card details for every purchase.

  • Apple Pay:

    • Description: A mobile payment and digital wallet service for Apple devices (iPhone, iPad, Apple Watch, Mac).

    • How to Use: If you are using a compatible Safari browser on an Apple device, you will see the Apple Pay button at checkout. Simply tap the button, authenticate the payment using Face ID, Touch ID, or your passcode, and the transaction is complete in seconds. Your actual card numbers are not shared with DECKIFY, enhancing your privacy.

    • Benefits: Extremely fast, highly secure through device-specific tokens and biometrics, and requires no manual data entry.

  • Google Pay:

    • Description: A digital wallet platform by Google for Android devices and the web.

    • How to Use: On compatible Android devices or in the Chrome browser, select the Google Pay option at checkout. You will be prompted to choose a saved payment method from your Google account and authenticate the purchase. The process is seamless and swift.

    • Benefits: Similar to Apple Pay, it offers a one-tap checkout experience, reduces friction, and keeps your payment information secure.

  • Future Wallet Integrations: We continuously monitor the payment landscape and are evaluating the integration of other popular digital wallets, such as Shop Pay and Microsoft Pay, to further expand customer choice.

3. Additional Payment Options via Stripe

Stripe’s infrastructure allows us to offer a broader range of local and alternative payment methods depending on your region. While the core options above are universally available, customers in certain international markets may see additional options such as:

  • Bank Redirects & Transfers: Methods like iDEAL (Netherlands), SEPA Direct Debit (EU), and others.

  • Buy Now, Pay Later (BNPL): We are actively exploring partnerships with BNPL providers to offer flexible installment plans. This feature will allow you to split your total purchase amount into smaller, manageable payments over time, making our high-quality furniture even more accessible.

III. The Payment Process: A Step-by-Step Walkthrough

Understanding the payment workflow can help demystify the process and set clear expectations.

  1. Add to Cart & Proceed to Checkout: After selecting your desired items, click the shopping cart icon and proceed to the secure checkout page.

  2. Review Your Order: You will be presented with a complete summary of your order, including items, quantities, subtotal, calculated shipping costs, and any applicable taxes. Please review this carefully.

  3. Enter Shipping Information: Provide the address where you want your order delivered. This is a crucial step, as it may affect shipping costs and tax calculations.

  4. Select Payment Method: Choose your preferred payment method from the available options (Credit/Debit Card, Apple Pay, Google Pay, etc.).

  5. Provide Payment Details:

    • For Cards: Enter the required card information as prompted.

    • For Digital Wallets: Click the respective button and authenticate the payment on your device.

  6. Authorize and Place Order: Click the “Place Order” or “Pay Now” button. At this point, Stripe will communicate with your bank or card issuer to authorize the transaction. You may see a brief processing screen.

  7. Order Confirmation: Upon successful authorization, you will be redirected to a confirmation page on our website, and you will receive an automated order confirmation email almost instantly. This email serves as your official receipt and will include your order number and a summary of the transaction.

IV. Currency, Authorization, and Billing Policies

Transaction Currency

  • Primary Currency: All transactions on deckify.site are processed in United States Dollars (USD).

  • International Customers: If you are purchasing from outside the United States, your bank or credit card company will handle the currency conversion from USD to your local currency. The exchange rate and any associated foreign transaction fees are determined solely by your financial institution and are beyond DECKIFY’s control. We recommend checking with your bank regarding their specific international transaction policies.

Payment Authorization and Pre-Authorization Holds

When you place an order, your card issuer places a temporary “hold” or “pre-authorization” on the total order amount. This is a standard practice to ensure the funds are available. It is important to note:

  • This is not an immediate charge but a reservation of funds.

  • The actual charge to your account is captured by us later, typically when your order is packaged and ready to leave our warehouse.

  • If you cancel your order before it ships, this pre-authorization will be released. The time it takes for the hold to disappear from your account statement depends on your bank’s policy and can range from a few hours to several business days.

Billing Address Verification

For card payments, we require the billing address associated with your credit or debit card. This is a critical security measure (Address Verification Service – AVS) used by Stripe and card networks to help prevent fraud. Please ensure the billing address you provide matches the one on file with your card issuer exactly. Discrepancies can sometimes result in your transaction being declined as a precautionary measure.

V. Security, Privacy, and Dispute Resolution

Our Multi-Layered Security Commitment

Beyond Stripe’s inherent security, we implement additional layers of protection:

  • SSL/TLS Encryption: Our entire website is secured with SSL (Secure Sockets Layer) certificate, encrypting all data transmitted between your browser and our servers. You can verify this by the “https://” and the padlock icon in your browser’s address bar when visiting deckify.site.

  • Regular Security Audits: We conduct regular security assessments of our platform to identify and remediate any potential vulnerabilities proactively.

  • Stripe’s Dispute & Resolution Center: In the rare event of an unauthorized transaction or a billing dispute, Stripe provides a structured and fair process for resolution.

Handling Payment Disputes and Chargebacks

A dispute (also known as a chargeback) occurs when a cardholder questions a transaction with their bank. We strive to avoid disputes through clear communication and excellent service.

  • Our Process: If you have any issue with your order or billing, we implore you to contact our customer service team first at +84909250525 or lamgiang.deckify@gmail.com. In the vast majority of cases, we can resolve the issue amicably and to your satisfaction without the need for a formal dispute.

  • If a Dispute is Filed: If a dispute is filed with your bank, Stripe will notify us and provide us with the reason. We will then submit compelling evidence to the bank (such as order confirmation, shipping tracking information, and communication records) to validate the transaction. The card issuer makes the final decision.

  • Friendly Fraud Prevention: We treat all disputes seriously and will provide evidence to defend against invalid claims. Repeated invalid disputes may result in the inability to place future orders with DECKIFY.

Your Financial Privacy

We are committed to protecting your financial privacy. As detailed in our Privacy Policy, we do not store your raw payment information. The tokenized data we retain is used solely for the purposes of processing your transaction, managing refunds, and combating fraud.

VI. Troubleshooting Common Payment Issues

Even with a robust system, occasional issues can arise. Here are solutions to common problems:

  • “Your transaction has been declined.”

    • Cause 1: Insufficient funds or exceeded credit limit on your card.

    • Solution: Check your account balance or try a different payment card.

    • Cause 2: Incorrectly entered card details (number, expiry, CVC) or billing address.

    • Solution: Carefully re-enter all information, ensuring it matches your bank records exactly.

    • Cause 3: Your bank’s fraud prevention system has flagged the transaction as suspicious.

    • Solution: Contact your bank directly to inform them of your intended purchase and request they pre-approve the transaction.

  • “The payment method is not supported.”

    • Cause: You may be trying to use a card type or payment method we do not currently accept (e.g., a regional card not covered by our major networks).

    • Solution: Use one of the major accepted credit/debit cards or a supported digital wallet.

  • The page hangs or shows an error during processing.

    • Cause: This could be a temporary connectivity issue with your internet, your bank’s server, or a rare glitch.

    • Solution: Refresh the page and try again. If the problem persists, wait 10-15 minutes and attempt the payment once more. If it continues, contact our customer service for assistance, but do not attempt to place the order multiple times in quick succession, as this may trigger multiple pre-authorization holds on your account.

VII. Our Commitment to Continuous Improvement

The world of digital payments is constantly evolving. We are committed to staying at the forefront of this evolution to serve you better. Our roadmap for payment enhancements includes:

  • Expanding the list of accepted regional payment methods for key international markets.

  • Formally integrating “Buy Now, Pay Later” options to provide financial flexibility.

  • Continuously updating our security protocols to combat emerging threats.

We value your trust. By providing a transparent, secure, and versatile payment environment, we aim to make the final step of your DECKIFY journey as confident and comfortable as the years you will spend enjoying our products.

Thank you for choosing DECKIFY.

Sincerely,
The DECKIFY Team