Payment Policy

At A&E Furniture, we believe that paying for your new furniture should be just as seamless and enjoyable as choosing it. This Payment Policy outlines the payment methods we accept, how we safeguard your financial information, and what to expect at every stage of the billing and checkout process. By placing an order with us, you acknowledge and agree to the payment terms described below.

Accepted Payment Methods

We offer a selection of trusted, widely recognized payment options to make your checkout experience fast and convenient:

All transactions are processed in United States Dollars (USD). We do not accept cash, personal or business checks, money orders, wire transfers, cryptocurrency, prepaid gift cards, or any payment method not explicitly listed above. Financing and installment plans are not currently available — all orders must be paid in full at the time of purchase.

Payment Security — How We Protect You

Safeguarding your financial data is a responsibility we take extremely seriously. A&E Furniture employs a multi-layered security framework designed to protect every transaction on our platform:

256-Bit SSL Encryption Every page on our website that collects personal or payment information is secured with 256-bit SSL (Secure Sockets Layer) encryption. This industry-standard technology ensures that your data is encrypted before transmission and cannot be intercepted or read by unauthorized parties during transit.

PCI DSS Compliance We fully comply with the Payment Card Industry Data Security Standard (PCI DSS), which establishes strict requirements for how businesses handle, process, store, and transmit credit card data. Our systems are regularly audited to maintain this certification.

Secure Payment Gateway All card transactions are routed through a certified, PCI-compliant payment gateway that utilizes advanced tokenization, fraud detection algorithms, and real-time transaction monitoring to prevent unauthorized activity.

Zero Stored Credentials A&E Furniture never stores your full credit card number, CVV code, or other sensitive payment credentials on our own servers. Once your payment information is transmitted to our certified processor, it is encrypted and handled entirely by our third-party payment partners.

We are committed to maintaining your trust by keeping every purchase safe, private, and secure.

Order Payment Process

Payment at Checkout

• Full payment is required at the time your order is placed. We do not support partial payments, layaway, deferred billing, or split-tender transactions.
• Your order will only move to the processing and fulfillment stage once your payment has been successfully authorized and confirmed by your card issuer.
• If payment authorization fails, your order will not proceed, and you will be prompted to retry with corrected information or an alternative card.

Order Confirmation

• Immediately after a successful payment, you will receive an order confirmation email at the address provided during checkout.
• This email contains your unique order number, a summary of items purchased, the total amount charged, and your shipping address.
• We recommend saving or printing this confirmation for your records.
• If you do not see the confirmation email within 30 minutes, please check your spam or junk folder. Should it still be missing, contact our customer service team and we will resend it promptly.

Pricing Accuracy

• We make every effort to display accurate and current pricing across our website. In the rare event that a product appears at an incorrect price due to a typographical error, system glitch, or outdated listing, A&E Furniture reserves the right to cancel the affected order and issue a full refund to the original payment method — even if an order confirmation email has already been sent.
• We will notify you as quickly as possible if such an error occurs on your order. We are under no obligation to honor a price that was listed in error.

Billing Information

Billing Address

• The billing address you enter at checkout must match the address currently on file with your credit card issuer.
• Please ensure your billing address is complete and accurate, including street number, apartment or suite number (if applicable), city, state, and ZIP code.
• Incorrect or mismatched billing information may cause payment delays, additional verification requests, or involuntary order cancellation.

Invoices & Receipts

• A digital invoice is automatically emailed to you upon order completion.
• If you require a formal or itemized invoice for business, accounting, or tax purposes, please send your request to info@aefurniture.online and our team will prepare one for you.

Taxes

Sales Tax

• Applicable sales tax is calculated automatically at checkout based on the shipping address you provide.
• Sales tax rates are determined by your state, county, and local municipality and are subject to change in accordance with applicable tax laws.
• The final tax amount will be clearly displayed on your order confirmation and invoice before you complete your purchase.

Additional Fees

• A&E Furniture does not charge any processing fees, handling fees, service fees, or hidden charges beyond the product prices shown on our website and any applicable taxes.
• Shipping is completely free on every order — no minimum purchase required, and no shipping surcharges at any point during checkout or delivery.

Payment Issues & Troubleshooting

Declined Payments

If your payment is declined during checkout, please try the following:

1. Verify card details — Double-check that your card number, expiration date, and CVV security code have been entered exactly as they appear on your card.
2. Confirm billing address — Ensure the billing address matches the one your card issuer has on file.
3. Check available balance — Make sure your credit card has sufficient available credit for the transaction.
4. Contact your card issuer — Your bank may have placed a temporary hold, triggered a fraud alert, or blocked the transaction due to its security protocols. A quick call to your bank can often resolve this immediately.
5. Try a different card — If one card continues to be declined, you are welcome to try another accepted card.

If the problem persists after completing these steps, please reach out to us at info@aefurniture.online and we will help you find a resolution.

Authorization Failures

Some banks flag online transactions as part of their fraud-prevention programs, which can result in repeated authorization failures. If this happens, please contact your card issuer to authorize the transaction and then retry. Alternatively, reach out to our support team with details of the issue and we will work with you to resolve it.

Order Cancellation & Refunds

Cancellation Requests

• You may cancel your order within 24 hours of placing it, provided it has not yet entered the fulfillment or shipping stage.
• To request a cancellation, email us at info@aefurniture.online with your order number as soon as possible.
• Once an order has been shipped, it can no longer be cancelled. In that case, you may initiate a return upon delivery in accordance with our Return & Cancellation Policy.

Refunds for Cancelled Orders

• Orders that have been charged and subsequently cancelled will receive a full refund to the original payment method used at checkout.
• Refunds are typically processed within 10 business days after the cancellation is confirmed.
• Please note that while we process refunds promptly, your bank or card issuer may require additional time before the funds appear on your statement. Timelines vary by financial institution.

General Refund Information

• All refunds are issued to the original payment method — we cannot refund to a different card or account.
• Return shipping is always free. Whether you are returning an item due to a change of mind, a sizing issue, or any other reason, we provide a prepaid return shipping label at no cost to you.
• For comprehensive details on return eligibility, conditions, and timelines, please refer to our full Return & Cancellation Policy.

Financing & Installment Plans

A&E Furniture currently does not offer financing, installment payment plans, layaway programs, or buy-now-pay-later services. Every order must be paid in full at the time of purchase using one of our accepted payment methods listed above.

Changes to This Policy

A&E Furniture reserves the right to update, modify, or replace any portion of this Payment Policy at any time, with or without prior notice. Any changes will take effect immediately upon being posted on this page. We encourage you to review this policy periodically to stay informed of any updates.

Your continued use of our website and services following the posting of any changes constitutes your acceptance of the revised policy.

Contact Us

Have a question about a payment, need help with a transaction, or require assistance with your order? Our team is here for you.