Payment Policy

At Phy Home Life, we are committed to providing a secure, transparent, and convenient payment process for all our customers. This Payment Policy explains the accepted payment methods, security measures, and important terms related to payments made on our website https://phyhomelife.com.

1. Accepted Payment Methods

We accept the following payment options:

  • PayPal
  • Credit & Debit Cards: Visa, Mastercard, Maestro, American Express, JCB, Diners Club, Discover

All payments must be completed at checkout before your order is processed.

2. Currency

All transactions on Phy Home Life are processed in U.S. Dollars (USD). Customers outside the USA may be subject to currency conversion fees charged by their bank or payment provider.

3. Payment Processing

  • Orders are confirmed only after full payment has been successfully received.
  • Once payment is completed, you will receive an order confirmation email.
  • If your payment fails or is declined, your order will not be processed.

4. Secure Transactions

Your security is our priority. Phy Home Life uses advanced encryption and secure payment gateways to ensure your payment details are fully protected. We do not store or have access to your complete credit card details.

5. Fraud Prevention

To protect against fraudulent activity, we reserve the right to:

  • Verify billing and shipping details before fulfilling an order.
  • Cancel or refuse an order if fraudulent behavior is suspected.
  • Request additional identification for high-value or suspicious transactions.

6. Payment Timing

  • Order Cut-Off Time: 5:00 PM (GMT-05:00) Eastern Standard Time (New York).
  • Orders placed after the cut-off time will be processed on the next business day.
  • Handling and shipping times begin only after successful payment confirmation.

7. Refunds

Refunds are issued according to our Return & Refund Policy:

  • Refund Processing Time: 5 business days after approval.
  • Refund Method: Processed back to the original payment method used during checkout.
  • Customized or personalized products are non-refundable unless defective or not as described.

8. Taxes, Duties & Fees

All product prices are displayed in USD and include free standard shipping. However, customers may be responsible for any import duties, customs fees, or additional charges depending on their local regulations.

9. Payment Disputes

If you believe an error occurred with your payment, please contact us immediately. We will work with you and your payment provider to resolve any disputes fairly and promptly.

10. Contact Us

For questions about our Payment Policy, please contact us:

Phy Home Life

  • Email: support@phyhomelife.com
  • Phone: +86 138 0958 6079
  • Address: No. 96 Xicha Road, Baiyun District, Guangzhou, Guangdong Province, China