Payment Policy

Last Updated: August 2026

Accepted Payment Methods

We accept the following payment methods at checkout:

  • Visa (credit and debit cards)

  • MasterCard (credit and debit cards)

  • PayPal

Currency

All transactions on bargainlivinghome.com are processed in U.S. Dollars (USD). If you're using an international card, your bank may apply currency conversion fees. Please check with your card issuer for details.

When Payment Is Processed

Payment is charged at the time you complete checkout. Your order will not be processed or shipped until payment has been authorized.

Payment Security

Your payment security is important to us. Our checkout process uses:

  • SSL encryption to protect your data during transmission

  • PCI-DSS compliant payment processors to handle card transactions

  • Tokenization where applicable, meaning we never store your full card details on our servers

When you pay with PayPal, you'll be redirected to PayPal's secure checkout and return to our site once payment is confirmed.

Declined Payments

If your payment is declined at checkout, your order will not be processed. Common reasons for declined payments include:

  • Insufficient funds

  • Incorrect card information

  • Bank security holds

  • Expired card

If you experience repeated payment issues, we recommend contacting your bank or card issuer to resolve the issue before trying again.

Order Verification

To protect against fraud, we may require additional verification for certain orders. This may include:

  • Confirming the billing address matches the card on file

  • Contacting you by email or phone to verify order details

  • Requesting additional identification for high-value orders

If verification is required, your order processing time may be slightly extended. We appreciate your patience in helping us keep transactions secure.

Invoices and Receipts

Your order confirmation email serves as your receipt and is sent to the email address provided at checkout. If you need a duplicate receipt or invoice, contact us at info@bargainlivinghome.com and we'll send one promptly.

Refunds to Original Payment Method

All refunds are issued to the original payment method used at checkout. We are unable to issue refunds to a different card or account.

Taxes

Applicable state and local sales taxes are calculated at checkout based on your shipping address. The tax amount (if any) will be displayed before you complete your purchase.