Payment Information

Accepted Payment Methods

Payment availability may depend on factors such as your device, billing location, order value and the payment services currently enabled for the online store.

A payment provider should not be considered available unless it is displayed as an option during the actual checkout process.

Currency

Product prices, shipping charges, taxes and any other applicable order costs are displayed in USD unless the checkout clearly states otherwise.

Your bank or payment provider may apply its own currency-conversion, international-transaction or account fees. These charges are controlled by the relevant provider and are not included in the amount collected by South Central Hardware.

Secure Checkout

Payment information is submitted through the secure checkout process and handled by the payment services presented during checkout.

South Central Hardware may receive limited transaction information needed to manage the purchase, such as:

• The customer’s billing name and billing address
• The payment status
• A transaction or authorization reference
• The payment method category or limited identifying details
• Information needed to review fraud, disputes or refunds

South Central Hardware does not claim to receive or store complete payment-card numbers or card security codes.

Payment services may process personal and transaction information according to their own privacy notices, security practices and contractual terms.

Payment Authorization

By submitting an order, you authorize the payment service displayed during checkout to charge the complete order amount shown before submission.

A payment may be subject to:

• Authorization by your bank or payment provider
• Billing-address verification
• Fraud and security screening
• Additional identity or transaction verification
• Availability of sufficient funds or account credit

An order is not considered successfully paid when the payment has been declined, cancelled, reversed or left incomplete.

Payment Verification

Some transactions may require additional review before the order can be accepted or processed.

South Central Hardware may contact you using the information provided with the order when clarification or verification is reasonably necessary.

Processing may be delayed or the order may be cancelled when:

• The payment cannot be authorized
• The billing information appears incomplete or inaccurate
• The transaction is flagged for additional security review
• The customer does not provide information reasonably required to verify the purchase
• The payment provider cancels or reverses the authorization

If an order is cancelled after an eligible payment has been captured, an appropriate refund will be issued to the original payment method.

Payment Declines

South Central Hardware may not receive the complete reason when a bank or payment provider declines a transaction.

If your payment is declined, you may:

1. Check that the billing information was entered correctly.
2. Confirm that the selected payment method is active and has sufficient funds or credit.
3. Contact your bank or payment provider for more information.
4. Retry checkout using another payment method displayed as available.

Repeated payment attempts may result in temporary authorization holds. Questions about a bank authorization or account restriction should be directed to the relevant financial institution.

Pending Charges and Authorization Holds

A bank or payment provider may show a temporary pending charge or authorization hold before the transaction is fully completed.

A pending authorization is not necessarily a second completed payment. When an order is cancelled, declined or not completed, the provider may require additional time to release the authorization.

The release timeframe is controlled by the relevant bank or payment provider.

Duplicate or Unrecognized Charges

If you believe you were charged more than once or do not recognize a South Central Hardware transaction, first review your order confirmation and bank statement to determine whether one of the entries is still pending.

You may then contact South Central Hardware with:

• Your order number or purchase information
• The transaction date
• The amount shown
• A description of the issue

For your security, do not send a complete payment-card number or card security code by telephone, email or a website contact form.

Taxes and Additional Charges

Applicable taxes and other required order charges are calculated or displayed during checkout.

The amount shown before the order is submitted should be reviewed carefully. South Central Hardware does not add undisclosed charges after checkout.

Charges imposed separately by a bank, card issuer, payment provider, customs authority or another external party are not controlled by South Central Hardware.

Order Confirmation

After a successful checkout, an order confirmation may be provided using the contact information entered during checkout.

An automated order confirmation acknowledges that the order was received. It does not always mean that the order has completed every payment, inventory or security review.

South Central Hardware may contact the customer if an issue prevents the order from being accepted or processed.

Refunds

Approved refunds are returned to the original payment method used for the relevant purchase.

After an eligible returned product has been received, inspected and approved, South Central Hardware normally processes the refund within approximately 5 to 10 business days.

Your bank or payment provider may require additional time before the refunded amount appears in your account.

Complete return and refund conditions are available in our Return, Refund and Cancellation Policy.

Cancellations

Customers may request cancellation before dispatch.

South Central Hardware will make a reasonable effort to stop the order, but cancellation cannot be guaranteed after processing, packing or fulfillment has started.

When a paid order is successfully cancelled, any approved refund will be issued to the original payment method.

Subscriptions and Recurring Billing

Any subscription, recurring-payment or automatic-renewal arrangement must be clearly disclosed before the customer submits the purchase.

A customer should not assume that an order includes recurring billing unless the relevant product page and checkout expressly show recurring-payment terms.

Payment Privacy

Information about how customer and transaction data may be collected, used and disclosed is available in our Privacy Policy.

Customers should review the privacy notice and terms of any payment service they choose during checkout.

Contact South Central Hardware

For assistance with a payment connected to an existing order, contact South Central Hardware and have your order information available.