Payment Policy

By placing an order on our website, you agree to the following payment terms and conditions.

Accepted Payment Methods

We currently accept the following secure payment methods:

• Credit & Debit Cards
  We accept major international credit cards, including:
  • Visa
  • Mastercard
  • American Express
  • JCB
  • Discover
• PayPal
  Pay securely with your PayPal balance or linked credit/debit card.
• Klarna (Installment Payments)
  Klarna allows eligible customers to split their purchase into interest-free installments or flexible payment plans (availability varies by region).

Note: Payment methods may vary depending on your shipping country.

Currency & Payment Processing

• All product prices are listed and charged in U.S. Dollars (USD).
• If you pay in another currency, your bank or payment provider may apply exchange rates or foreign transaction fees, which are your responsibility.
• Full payment (or the first Klarna installment) is required at the time you place your order.

Pricing and Additional Fees

The listed prices are for products only and do not include additional costs such as:

• Shipping fees
• Handling charges (if applicable)
• Taxes, duties, or tariffs imposed by your country

These charges will be displayed at checkout where possible, but local customs duties and import taxes (if applicable) must be paid by the customer upon delivery.

Order Confirmation

• After placing an order, you will receive an acknowledgement email confirming we have received it.
• This email does not constitute acceptance of your order.
• Your order is only considered accepted once it has been shipped.

Payments via PayPal

If you choose PayPal:

• You will be redirected to PayPal’s secure platform to complete your payment.
• You are subject to PayPal’s own terms and conditions.
• Any fees charged by PayPal are your responsibility.
• If your PayPal payment is declined, reversed, or flagged as fraudulent, we reserve the right to cancel your order.

Payments via Klarna

• Klarna’s installment options are subject to Klarna’s approval and terms of service.
• By selecting Klarna at checkout, you agree to Klarna’s own payment terms.
• We are not responsible for any additional fees, declined payments, or issues arising from Klarna’s services.

Refunds

Refunds will be issued strictly in accordance with our [Return & Refund Policy].

• If you paid via Klarna, PayPal, or credit card, your refund will be processed back to the original payment method.
• Processing times may vary depending on your payment provider.

Payment Security

We take payment security seriously:

• All credit card payments are processed through PCI-DSS compliant payment gateways.
• We do not store your full credit card details on our servers.
• Transactions via PayPal and Klarna are encrypted and protected by their respective platforms.
• For your protection, we may require additional verification for certain orders.

Questions?

If you have any questions about our payment terms, please contact our support team at:
📧 support@hotucolor.com
(Subject line: Payment Terms Inquiry)

We’ll be happy to assist you.