Payment Methods

Your Security & Convenience Are Our Priority

At NHN Commerce LLC, we believe that purchasing high-quality, heirloom furniture should be a seamless, secure, and stress-free experience—from the moment you click “Add to Cart” to the day your custom table arrives at your doorstep. A critical part of that experience is how you pay.

We have partnered exclusively with Stripe, a global leader in online payment processing, to offer you a range of fast, flexible, and highly secure payment options. Whether you prefer using a traditional credit card, a debit card, or a digital wallet like Apple Pay or Google Pay, our checkout process is designed to protect your sensitive information while making your transaction effortless.

Below, we explain every payment method we accept, why we chose Stripe, how our security measures work, and what you can expect regarding refunds, currency conversion, and payment troubleshooting.

1. Accepted Payment Methods

We accept the following payment methods at checkout. All transactions are processed in real-time through Stripe’s secure gateway.

Credit & Debit Cards

We accept all major international and domestic credit and debit cards. No additional fees are charged for using any of these cards.

When you enter your card details on our checkout page, the information is encrypted and sent directly to Stripe. NHN Commerce never sees, stores, or has access to your full card number. We only receive a secure token that identifies your payment method for future transactions (like refunds or order updates).

Digital Wallets (Apple Pay & Google Pay)

For customers who prefer a one-click, biometric-authenticated checkout, we fully support Apple Pay and Google Pay.

• Apple Pay: Available on all Apple devices (iPhone, iPad, Mac) using Safari browser. Simply select Apple Pay at checkout, authenticate with Face ID, Touch ID, or your device passcode, and the payment is completed without manually entering card details.

• Google Pay: Available on Android devices, Chrome browser, and any device where you are signed into your Google account. Tap the Google Pay button, select your saved card, and authenticate.

Benefits of using Apple Pay / Google Pay with NHN Commerce:

• Faster checkout: No typing of billing addresses or card numbers.

• Enhanced security: Your actual card number is never shared with us. A unique, one-time transaction code is used.

• Built-in fraud protection: Your device’s biometric authentication prevents unauthorized use.

Additional Stripe Payment Methods (Depending on Region)

Stripe continuously updates its supported payment methods. Depending on your location and currency, you may also see options such as:

• Bank debits (ACH) – US only: Direct transfer from your US checking account (may take 3-5 business days to clear; order ships after clearance).

• Klarna (select regions): Buy now, pay later in installments (subject to approval by Klarna).

• Link by Stripe: A one-click checkout experience for returning customers who have previously used Stripe on any website (not just ours).

Note: Not all alternative payment methods are available for all orders (e.g., large custom furniture orders may require standard card payment). The checkout page will display only the options eligible for your specific cart and region.

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2. Why We Use Stripe: Trust & Reliability

After evaluating multiple payment processors (PayPal, Braintree, Authorize.net), we chose Stripe as our exclusive partner for three core reasons: security, global reach, and customer experience.

2.1. Stripe’s Industry-Leading Security

Stripe is a PCI Service Provider Level 1 certified company. This is the highest level of certification available in the payments industry. To put it simply:

Level 1 certification means Stripe has passed the most rigorous annual audit of its security systems, networks, and processes. Major banks, global e-commerce companies, and government agencies trust Stripe.

Key security features:

• End-to-end encryption of all cardholder data.

• Tokenization: Your card details are replaced with a unique digital token that is useless outside of Stripe’s environment.

• Machine learning fraud detection: Stripe’s Radar tool analyzes billions of transactions to identify and block suspicious activity in real time.

2.2. Seamless Customer Experience

Unlike some payment processors that redirect you to an external page (causing confusion and cart abandonment), Stripe integrates directly into our nhncommerce.shop checkout. You never leave our website, which means:

• Faster loading times.

• A consistent, branded experience.

• Reduced risk of phishing or man-in-the-middle attacks.

2.3. Global Payment Capabilities

Because we ship to customers across the United States and internationally (Canada, UK, Europe, Australia, and more), we need a processor that can handle multiple currencies, international cards, and local payment methods. Stripe supports over 135+ currencies and automatically converts prices at competitive exchange rates (with transparency – you will see the final amount in your local currency before confirming payment).

2.4. Fast & Reliable Refunds

Stripe’s infrastructure allows us to process refunds quickly. In the event you need a refund (see our [Refund and Return Policy] for details), we can initiate the transaction from our dashboard, and Stripe typically returns the funds to your card or digital wallet within 2-5 business days (often faster for credit cards and digital wallets). This is significantly faster than many competitors that take 7-10 business days.

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3. Security: How We Protect Your Financial Data

Beyond Stripe’s protection, NHN Commerce implements its own best practices to ensure your financial data remains confidential.

3.1. We Never Store Your Full Card Number

Our systems are designed not to store sensitive payment information. When you enter your card details, they go directly from your browser to Stripe’s servers via a secure HTTPS connection. We only retain:

• The last four digits of your card (for your reference in order history)

• The card brand (Visa, Mastercard, etc.)

• The expiration date (for fraud checks)

We do not store your CVV code, full PAN, or any track data.

3.2. SSL Encryption & PCI Compliance

Our entire website (every page, not just checkout) is secured with 256-bit SSL encryption (evident by the padlock icon in your browser address bar). This ensures that any data exchanged between your device and our server—including personal information like your name, address, and email—cannot be intercepted by malicious actors.

We are fully PCI DSS (Payment Card Industry Data Security Standard) compliant. We undergo regular vulnerability scans and maintain strict access controls to any systems that touch payment data.

3.3. Address Verification System (AVS)

To prevent credit card fraud, Stripe automatically performs AVS checks. This compares the billing address you entered at checkout with the address on file with your card issuer. If there is a mismatch (e.g., wrong ZIP code or street number), the transaction may be flagged or declined. We do this to protect you, the legitimate cardholder, from unauthorized use.

3.4. 3D Secure 2.0 (Strong Customer Authentication)

For many cards, especially in Europe (under PSD2 regulations) and increasingly in the US, Stripe supports 3D Secure 2.0. This adds an extra authentication step, such as a one-time passcode sent to your phone or a biometric prompt from your banking app. This drastically reduces the risk of fraudulent transactions.

3.5. No Stored Payment Methods by Default

For your security, we do not automatically save your payment method for future use unless you explicitly check the box “Save my payment method for faster checkout.” Even then, your saved method is tokenized and stored only by Stripe, not by us. You can remove saved methods at any time from your account dashboard.

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4. Refunds & Payment Disputes: Fast & Fair

We hope you love every piece you purchase from NHN Commerce. However, if a return or refund is necessary (as outlined in our [Refund and Return Policy]), the payment process via Stripe ensures a smooth, transparent experience.

4.1. How Refunds Work

When we approve a refund (for damaged goods, defects, or eligible returns), we initiate the refund directly from our Stripe dashboard. The process is:

1. You request a return and receive a Return Merchandise Authorization (RMA).

2. We verify the returned item’s condition (if applicable) or confirm damage via photos.

3. We issue a refund to the original payment method used at checkout.

4. Stripe processes the refund. The funds are returned to your credit card, debit card, or digital wallet.

Typical refund timelines:

If you paid using a digital wallet, the refund goes back to the same wallet (Apple Pay / Google Pay), and then to your linked card. You do not need to provide new banking details.

4.2. Partial Refunds & Store Credit

In some cases (e.g., you keep a damaged item with a discount), we may issue a partial refund. Stripe supports this seamlessly. We can also issue store credit (as a gift card code) if you prefer not to wait for a card refund. Store credit is issued instantly and can be used on any future purchase.

4.3. Chargeback Protection & Dispute Resolution

We take customer satisfaction extremely seriously. If you see an unauthorized charge or believe there is an error, please contact us immediately at namhuyedx@gmail.com or +1626-999-2237 before filing a chargeback with your bank.

If a chargeback is filed, Stripe will automatically notify us, and we will work with you to resolve the issue. Our goal is to avoid chargebacks by resolving the underlying problem (e.g., shipping damage, incorrect item) directly. However, if a chargeback is unavoidable, we will provide Stripe with all relevant documentation (order confirmation, shipping proof, communication logs) to defend legitimate transactions.

4.4. Refunds for International Orders

International refunds may take slightly longer due to currency conversion and cross-border processing. Stripe will convert the refund amount back to your local currency using the same exchange rate as the original transaction (or a fair market rate). Any currency fluctuation is borne by Stripe, not by you. We do not charge any additional international refund fees.

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5. Currency & International Payments

NHN Commerce proudly serves customers worldwide. Our default display currency is US Dollar (USD). However, depending on your location, Stripe may show you the price in your local currency at checkout.

5.1. Supported Currencies

Through Stripe, we accept payments in the following currencies (partial list):

• USD (US Dollar)

• CAD (Canadian Dollar)

• GBP (British Pound Sterling)

• EUR (Euro)

• AUD (Australian Dollar)

• NZD (New Zealand Dollar)

• CHF (Swiss Franc)

• SGD (Singapore Dollar)

• JPY (Japanese Yen)

If your local currency is not listed, the final charge will be in USD, and your card issuer will convert it at their exchange rate (often with a small foreign transaction fee, depending on your bank). We recommend checking with your bank about international transaction fees before ordering.

5.2. No Hidden Conversion Fees

Unlike some e-commerce platforms that add a 2-3% “currency conversion fee,” NHN Commerce does not add any such fee. We pay Stripe’s standard processing fees (which we absorb as a cost of doing business). The price you see (after any currency conversion by Stripe or your bank) is the price you pay, excluding shipping and taxes.

5.3. Duties & Taxes for International Orders

Please note: For international shipments (outside the USA), your local customs authority may impose import duties, taxes, or fees. These are not collected by NHN Commerce or Stripe. You are responsible for paying them directly to your country’s customs agency to release the package. We recommend contacting your local customs office for an estimate before ordering.

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6. Payment Troubleshooting & FAQs

We know that payment errors can be frustrating. Below are common issues and how to resolve them.

Q1: My card was declined, but I have sufficient funds.

Possible reasons:

• AVS mismatch: The billing address you entered does not match your card’s registered address. Double-check your street number, ZIP code, and state.

• CVV error: The 3- or 4-digit security code was entered incorrectly.

• Bank fraud block: Your bank may have flagged our transaction as unusual. Contact your bank to approve the purchase, then try again.

• Daily spending limit: Some cards have a daily limit that may be lower than your order total (especially for high-value custom tables). Use a different card or split payment? (Stripe does not support split payments, so you would need to contact us for a manual invoice.)

What to do: Try the card again, ensuring all details are correct. If it still fails, use a different card or digital wallet. Still stuck? Email us at namhuyedx@gmail.com with your order summary (but not your card number), and we can investigate.

Q2: Can I use PayPal?

Currently, we do not accept PayPal directly. We have chosen Stripe for its superior fraud detection, lower fees, and faster refund processing. However, if you have a PayPal-branded debit card, you can use it as a standard Mastercard.

Q3: Do you offer financing or installment plans?

We do not offer in-house financing. However, depending on your region, Stripe may present options like Klarna (pay in 4 installments) or Affirm (through Stripe’s partner network). These options, if available, will appear automatically at checkout. Approval is at the discretion of the third-party lender, not NHN Commerce.

Q4: Can I pay by check, money order, or bank wire?

For standard online orders, we only accept card and digital wallet payments via Stripe. For very large wholesale orders (over $10,000) or custom commercial projects, we may accept a bank wire transfer. Please contact us directly at namhuyedx@gmail.com to discuss. Wire transfers require manual processing and may take 3-5 days to clear.

Q5: Is it safe to save my card for future purchases?

Yes. If you choose to save your card, Stripe stores a token (not the actual number) on their secure vault. Our system only retains the token ID. This is a standard practice used by millions of e-commerce sites. You can delete saved payment methods from your account page at any time.

Q6: I see a pending charge but my order failed. What happened?

Sometimes, Stripe will place a temporary authorization hold on your card when you attempt a transaction. If the transaction fails (e.g., CVV error), the hold may appear as “pending” for 2-5 business days before disappearing. This is not a real charge; your bank is just reserving the funds. No money has been taken. If the hold remains after 7 days, contact your bank to release it.

Q7: Do you accept cryptocurrency (Bitcoin, Ethereum)?

Not at this time. We only accept traditional fiat currency payments via cards and digital wallets.

Q8: Can I change my payment method after placing an order?

Once an order is placed and payment is captured, we cannot switch payment methods. If you need to change cards, you would need to cancel the order (if it hasn’t shipped) and place a new order with the correct card. Contact us immediately if you need to cancel.

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7. Our Commitment to Transparent Pricing

We want you to know exactly what you are paying and why. No hidden fees, no surprises.

What is included in the price you see?

• The cost of the product.

• Standard packaging and handling.

• Stripe’s processing fee (we absorb it).

What is NOT included?

• Shipping costs: Calculated at checkout based on your location and the size/weight of the item.

• Sales tax: We are required to collect sales tax for shipments to certain US states (where we have nexus, currently Wyoming). The tax amount will be displayed before you finalize payment.

• International duties & taxes: As mentioned above.

• Optional expedited shipping or white-glove delivery: These can be added at checkout for an additional fee.

Price Match Guarantee

We strive to offer the most competitive prices on genuine, solid wood furniture. If you find an identical product (same brand, model, wood type, and configuration) at a lower price from an authorized US retailer, contact us. We may offer a price match or store credit at our discretion. The payment method remains the same.

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Final Thoughts: Shop with Confidence at NHN Commerce

Choosing the right payment method is about more than convenience; it is about peace of mind. By partnering with Stripe, we have eliminated many of the common anxieties associated with online payments: fear of data breaches, slow refunds, and hidden fees.

Whether you are investing in a $10,000+ custom Amish solid cherry dining table** or a **$500 teak Adirondack chair set, your transaction is protected by bank-grade security and backed by a team that genuinely cares about your satisfaction.

Ready to order?
Visit our shop at https://nhncommerce.shop , add your desired items to the cart, and proceed to checkout. Experience the speed, security, and simplicity of Stripe for yourself.

Still have payment questions?
Our team is available Monday–Friday, 9 AM–6 PM MT.
📧 namhuyedx@gmail.com
📞 +1626-999-2237