Payment Policy

At American Farm & Home, we aim to provide a smooth, secure, and transparent checkout experience for all customers. This Payment Policy explains the payment methods we accept, how transactions are processed, and what customers can expect at checkout.

1. Accepted Payment Methods

We accept the following forms of payment at checkout:

  • Credit & Debit Cards (Visa, Mastercard, American Express, Discover)
  • Shop Pay
  • PayPal
  • Apple Pay
  • Google Pay
  • Venmo
  • Store Credit
  • Gift Cards

2. Secure Payment Processing

Your payment information is protected by industry-standard encryption. All transactions are processed through secure PCI-compliant payment gateways.
American Farm & Home does not store full credit card numbers or sensitive payment data on our servers.

3. Authorization & Order Verification

For your security and ours, some orders may require additional verification.
Examples include:

  • Mismatched billing information
  • High-value orders
  • Suspicious or unusual activity

If verification is needed, we may contact you using the email or phone number provided at checkout.

4. Failed or Declined Payments

If your payment fails or is declined by your bank or card provider, the order will not be processed.

Common reasons include:

  • Incorrect billing information
  • Card restrictions
  • Insufficient funds
  • Bank security blocks
  • Card not supporting certain transaction types (e.g., e-commerce or agricultural purchases)

If this occurs, we recommend contacting your bank for more information or trying a different payment method.

5. Shop Pay Installments (If Enabled)

If Shop Pay Installments is active on your store, customers may split eligible purchases into multiple payments at checkout.
Terms, eligibility, and approval are handled entirely by Shop Pay / Affirm.

6. Gift Cards & Store Credit

American Farm & Home gift cards and store credit may be applied at checkout like cash.
Store credit earned through American Farm Rewards is automatically applied to the customer’s account and visible during checkout.

Gift cards and store credit cannot be redeemed for cash.

7. Currency

All prices on AmericanFarmAndHome.com are listed and charged in U.S. Dollars (USD).
If you checkout using a foreign-issued card, your bank may apply conversion fees.

8. Fraud Prevention

We use automated and manual fraud checks to protect customers and our business.
Orders flagged as high risk may be canceled or held until verification is complete.

9. Questions

If you have any questions about payments or need help completing an order, contact us: info@americanfarmandhome.com

 

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