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Payment Methods

Last updated: September 12, 2026

Currency: USD

Regions covered: United States, United Kingdom, France, Germany, Australia, Spain, Canada, Italy, Belgium, Portugal


At Shelfwrk, we aim to provide a secure and transparent checkout experience for customers purchasing furniture and home products through our official website.

This Payment Policy explains:

  • accepted payment methods,

  • payment processing procedures,

  • currency handling,

  • taxes and duties,

  • refunds and payment disputes,

  • and transaction security practices.

This policy should be read together with our:

  • Shipping Policy,

  • Refund & Returns Policy,

  • Privacy Policy,

  • and Terms of Service.

All charges, refunds, and return-related transactions are processed in USD.

1. Accepted Payment Methods

Shelfwrk currently accepts selected payment methods displayed during checkout.

Available payment methods may include:

  • major credit and debit cards,

  • PayPal,

  • and other supported checkout payment providers depending on region availability.

Available payment methods may vary by:

  • country,

  • billing region,

  • device,

  • or payment provider availability.

2. Credit & Debit Card Payments

Card payments are processed through secure third-party payment providers.

If payment authorization is successful:

  • the card is generally charged immediately at checkout,

  • and the order enters processing after successful payment confirmation.

For security purposes, Shelfwrk does not store:

  • full payment card numbers,

  • CVV security codes,

  • or complete sensitive payment credentials.

Payment providers may request additional verification such as:

  • billing ZIP/postal code,

  • CVV confirmation,

  • 3-D Secure verification,

  • or Strong Customer Authentication (SCA) where applicable.

Some banks may temporarily display:

  • pending authorizations,

  • duplicate pending holds,

  • or temporary payment reservations.

These are controlled by the customer’s financial institution and usually resolve automatically within several business days.

3. PayPal Payments

If PayPal is available during checkout, customers may complete payment through their PayPal account.

Orders paid through PayPal generally begin processing after payment is successfully confirmed by PayPal.

Refunds issued for PayPal transactions are typically returned to:

  • the PayPal account,

  • or the original PayPal funding source,

subject to PayPal’s own processing policies.

4. Order Verification & Fraud Prevention

To help protect customers and reduce fraudulent transactions, Shelfwrk may perform additional verification for certain orders.

Additional review may occur for:

  • unusually high-value purchases,

  • billing and shipping address mismatches,

  • repeated failed payment attempts,

  • or unusual ordering activity.

If an order cannot be reasonably verified, Shelfwrk may:

  • delay shipment temporarily,

  • request additional confirmation,

  • or cancel the order and issue a refund to the original payment method in USD.

These reviews are intended to help reduce unauthorized transactions and payment fraud.

5. Currency & Exchange Rates

All orders placed on Shelfwrk are charged in:

  • U.S. Dollars (USD)

If a customer’s bank or payment provider uses another currency:

  • the transaction amount may be converted using exchange rates determined by the customer’s financial institution or payment provider.

Additional fees may apply, including:

  • foreign transaction fees,

  • exchange-rate conversion fees,

  • or international processing fees.

Shelfwrk does not control:

  • currency conversion rates,

  • banking fees,

  • or third-party payment provider charges.

Because exchange rates may fluctuate, refund amounts received in local currency may differ from the original converted payment amount.

6. Taxes, Duties & Checkout Pricing

Applicable taxes, duties, or import-related charges collected by Shelfwrk are displayed during checkout where required or supported.

For eligible international destinations:

  • duties and taxes may be included at checkout,

  • commonly referred to as DDP (Delivered Duty Paid) where available.

If duties and taxes are included during checkout:

  • customers generally should not need to pay those included charges again upon delivery.

For U.S. orders:

  • applicable sales tax is displayed during checkout where legally required.

Tax and customs handling may vary depending on:

  • destination country,

  • local customs regulations,

  • and carrier support.

7. Promotions & Discount Codes

Discount codes and promotional offers:

  • must generally be applied during checkout,

  • and may not be added after an order is placed.

Promotions may:

  • have expiration dates,

  • apply only to eligible products,

  • or exclude shipping charges unless stated otherwise.

Shelfwrk reserves the right to:

  • modify,

  • suspend,

  • or cancel promotions at any time where necessary.

8. Unsupported Payment Methods

To maintain secure and traceable payment processing, Shelfwrk currently does not accept:

  • cash on delivery (COD),

  • checks,

  • cryptocurrency,

  • direct cash payments,

  • or bank/wire transfers unless specifically approved in writing for a particular order.

9. Declined Payments

If a payment is declined:

  • the order is not confirmed,

  • and shipment processing does not begin.

Customers may:

  • retry the payment,

  • use another payment method,

  • or contact their bank or payment provider for assistance.

Common reasons for payment declines may include:

  • insufficient funds,

  • bank security restrictions,

  • billing information mismatch,

  • international payment limitations,

  • or fraud-prevention filters.

10. Refund Processing

Approved refunds are generally processed according to the Shelfwrk Refund & Returns Policy.

Refunds are typically issued:

  • to the original payment method,

  • and processed in USD.

Refund timing may vary depending on:

  • banks,

  • PayPal,

  • credit card providers,

  • and international payment systems.

Most approved refunds are generally initiated within:

  • 5–7 business days after refund approval.

Additional banking delays may occur outside Shelfwrk’s control.

11. Payment Disputes & Chargebacks

Customers are encouraged to contact Shelfwrk support before initiating:

  • payment disputes,

  • chargebacks,

  • or bank claims.

Many payment-related concerns can often be resolved through direct support review.

If a payment dispute or chargeback is opened, Shelfwrk may provide:

  • order records,

  • shipment tracking,

  • delivery confirmation,

  • customer communication history,

  • and transaction documentation

to the payment provider during investigation review.

Fraudulent or abusive chargeback activity may result in:

  • order restrictions,

  • refusal of future transactions,

  • or account-related limitations where applicable.

12. Transaction Security

Shelfwrk uses reasonable technical and organizational measures intended to help protect payment-related information.

Security measures may include:

  • SSL/TLS encrypted checkout connections,

  • PCI-compliant payment processing,

  • fraud monitoring systems,

  • and restricted access controls.

However, no internet-based payment system can guarantee absolute security.

Customers are responsible for:

  • maintaining secure access to their own payment accounts,

  • and protecting their personal login credentials where applicable.

13. Transparency Notice

Shelfwrk is committed to maintaining transparent payment practices consistent with:

  • international e-commerce standards,

  • customer transparency expectations,

  • and Google Merchant Center policy requirements.

The following principles apply throughout the website:

  • pricing is displayed before checkout,

  • supported payment methods are disclosed clearly,

  • taxes and duties are explained transparently,

  • refund timelines are publicly available,

  • and transaction security practices are described openly.

Shelfwrk does not intentionally hide material payment-related conditions from customers.

14. Contact Information

If customers have questions regarding:

  • payment processing,

  • declined transactions,

  • refunds,

  • billing concerns,

  • or checkout-related issues,

please contact Shelfwrk support.

Contact Information

Phone: +1 (202) 660-3500
Email: help@shelfwrk.com
Support Hours: Mon–Sun | 8:00 AM – 5:00 PM CST