1. Accepted Payment Methods
| Method | Processor |
|---|---|
| Credit/Debit Cards | Airwallex |
Notes:
- Saved Cards: Encrypted via AES-256 and stored in PCI-DSS Level 1 vaults.
- Dynamic Currency Conversion (DCC): Disabled to avoid hidden fees.
2. Fraud Prevention
A. Verification Checks
- Address Verification (AVS): Mismatched billing/shipping addresses trigger manual review.
- Velocity Monitoring: Blocks >3 declined transactions in 24 hours (via Signifyd).
B. Fraud Tiers
| Risk Level | Action | User Notification |
|---|---|---|
| Low (Score: 0–50) | Auto-approve | Instant confirmation |
| Medium (Score: 51–75) | Hold for 24-hour review | Email: “Order Under Review” |
| High (Score: 76–100) | Cancel + blacklist IP/email | Email: “Order Declined for Security” |
C. Chargeback Fees
- Fee: $25 per chargeback (deducted from refund).
- Blacklist: Repeat offenders reported to Ethoca and ChargebackGurus.
3. Payment Timelines
A. Authorization
- Credit/Debit: Funds held for 3–5 business days (varies by bank).
B. Settlement
- Processing Time: 2 business days (Airwallex).
4. Taxes & Duties
- Sales Tax: Calculated at checkout.
5. Refunds & Disputes
A. Refund Processing
- Timeline: 3–5 business days (card) / 1 business day (Airwallex).
- Method: Refunded to original payment method only.
B. Dispute Resolution
- Pre-Arbitration: Email disputes@intersecthome.com within 7 days.
- Chargeback Defense: We contest invalid claims with delivery proofs and IP logs.
6. Pricing & Adjustments
- Errors: We reserve the right to cancel orders with pricing glitches (e.g., $10 sofa).
- Price Matching: Submit competitor’s quote within 48 hours for a 110% credit.
- Currency: USD only. Non-US cards converted at issuer’s rate.
7. Security Measures
- SSL Encryption: TLS 1.3 (A+ rating on SSL Labs).
- PCI Compliance: Annual audits via Coalfire.
- Data Retention: Card tokens deleted after 3 years of inactivity.
8. CCPA & GDPR Rights
- Opt-Out of Data Sharing: Toggle via CCPA Dashboard.
- Data Portability: Request payment records in CSV/JSON format.
Contact & Support
Payment Issues:
- Email: payments@intersecthome.com
- Phone: 1-669-786-1304 (Mon–Fri, 10 AM–9 PM PST)
- Escalations: Chief Financial Officer
Legal Address: 681 Leavesley Rd, STE 98, Gilroy, CA 95020