HomeShosts offers secure, convenient payment options to make your tool and equipment purchases easy and safe. This policy outlines our accepted payment methods, security measures, and payment processing procedures.
Business Information:
Accepted Payment Methods
Primary Payment Processors
We process all payments securely through:
- PayPal – Complete checkout with your PayPal account or pay as guest
- Stripe – Secure credit card processing for all major cards
Credit and Debit Cards (via Stripe)
We accept all major cards:
- Visa (credit and debit)
- Mastercard (credit and debit)
- American Express
- Discover
- Business credit cards for commercial accounts
Digital Payment Options
- PayPal (personal and business accounts, PayPal Credit available)
- Apple Pay (through Stripe for compatible devices)
- Google Pay (through Stripe for compatible devices)
- Link (Stripe’s express checkout option)
Bank Transfers
- ACH transfers for wholesale and large orders
- Wire transfers for international or high-value orders
- Business checks (with verification, wholesale accounts only)
Alternative Payment Options
- Buy now, pay later services (subject to approval)
- Financing options for qualified purchases over $500
- Store credit from returns or promotional offers
- Gift cards and promotional credits
Payment Security
Security Measures
Your payment information is protected by:
- PayPal’s industry-leading security with buyer protection
- Stripe’s PCI DSS Level 1 compliance – the highest security standard
- SSL encryption for all online transactions
- Tokenization of stored payment information (no card data stored)
- Advanced fraud detection monitoring all transactions
- Two-factor authentication available for account protection
Information Protection
We never store complete payment information:
- PayPal transactions – All sensitive data handled by PayPal’s secure servers
- Stripe transactions – Card details tokenized and encrypted by Stripe
- No card storage – We never see or store your complete credit card numbers
- CVV codes – Never stored after transaction completion
- Bank details – Only transaction references kept for records
Safe Shopping Practices
To protect yourself:
- Shop on secure networks (avoid public WiFi for payments)
- Verify website security (look for https:// and lock icon)
- Keep payment information private (never share passwords)
- Monitor your accounts regularly for unauthorized charges
- Contact us immediately if you suspect fraud
Payment Processing
Order Payment Timing
- Retail orders: Payment processed immediately upon order placement
- Pre-orders: Payment authorized at order, charged upon shipment
- Custom orders: May require deposit with balance due before shipment
- Wholesale accounts: Payment terms per account agreement
Payment Authorization
- Authorization holds placed for order amount during processing
- Final charges processed when order ships
- Authorization expiration may require re-authorization for delayed orders
- Declined payments result in order cancellation and notification
Processing Times
- Credit/debit cards (via Stripe): Immediate processing and authorization
- PayPal payments: Instant processing for PayPal balance and linked accounts
- PayPal eCheck: 3-5 business days for bank transfers
- ACH transfers: 1-3 business days
- Business checks: 5-10 business days for clearance
