Payment Policy

Effective date: July 31, 2026

One-time payments only. No hidden fees or recurring subscriptions. All transactions are processed in US dollars ($).

Payment methods we accept

Visa
Mastercard
American Express
Discover

We show a payment badge only for a method that is actually enabled at checkout. If you see it on this page, you can pay with it.

What appears on your statement

Charges appear as ZENDENDECOR. If you see a charge from a name you do not recognize, it is not ours — contact your card issuer and let us know at support@zendendecor.com.

Sales tax

Sales tax is calculated at checkout based on your shipping address, in the states where we are required to collect it. The exact amount is displayed on the order summary before you confirm payment. We never add tax after you have paid.

Authorization holds

When you place an order, your bank may place a temporary authorization hold for the order amount. This is not a charge. If an order is cancelled or declined, the hold is released by your bank, typically within 3-5 business days. The timing is set by your bank, not by us.

International transaction fees

Some United States card issuers charge a foreign transaction fee, commonly around 3%, when a merchant's payment acquirer is located outside the United States. If your card carries such a fee it will appear as a separate line on your statement. That fee is charged by your bank, not by Zen Den Decor. We do not receive it and we cannot refund it. Your card issuer can tell you whether your card has one; cards advertised as “no foreign transaction fee” do not.

Payment security

Our site runs over HTTPS with TLS encryption. All transactions are processed by third-party payment providers that maintain PCI DSS compliance. We do not store your full card number, expiry date, or security code on our systems — those go directly to the payment provider.

Failed and declined payments

If a payment is declined, the order is not placed and no contract is formed. Common causes are an address mismatch between what you entered and what your bank holds, insufficient funds, or your bank's fraud screening. Check the billing address first, then contact your card issuer. We do not receive the reason for a decline.

Refunds

Refunds are issued to the original payment method only. We cannot refund to a different card, to a bank account, or as store credit unless you ask for store credit specifically. Timing is set out in our Refund & Returns Policy.

Pricing errors

If an item is listed at an incorrect price because of a system or human error, we are not obliged to sell at that price. We will contact you before shipping and you may confirm at the correct price or cancel for a full refund. See section 5 of our Terms & Conditions.

Chargebacks

If something is wrong with your order, email us first. We answer within 24 business hours and we can usually resolve it faster than a chargeback, which typically takes 30-90 days to work through your bank. If you do file a chargeback, we will respond to your bank with the order record, tracking information, and our correspondence with you.