Payment Policy

Last Updated: 6 January, 2026

Beacon and Home LED

This Payment Policy governs all payments made on the Beacon and Home LED website. It outlines the accepted payment methods, processing, security measures, responsibilities, refunds, and dispute resolution. All customers must comply with this policy when placing an order.

1. Accepted Payment Methods

Beacon and Home LED accepts the following secure payment options:

Credit & Debit Cards:

  • Visa
  • Mastercard
  • American Express
  • Discover
  • Diners Club
  • UnionPay
  • JCB
  • Elo

Digital Wallets & Online Payments:

  • Apple Pay
  • Shop Pay
  • PayPal

Notes:

  • All payments are processed in United States Dollars (USD).
  • Partial payments, checks, or cash on delivery (COD) are not accepted.
  • Payment authorization is required before order processing begins.

2. Payment Processing

All payments on Beacon and Home LED are processed through secure, SSL-encrypted payment gateways to ensure the safety of your financial information.

  • Order Confirmation: Payment must be successfully processed and authorized before your order can be prepared or dispatched.
  • Verification: Certain transactions may require additional verification by the payment provider, such as identity confirmation or additional security checks, to prevent fraud or unauthorized activity.
  • Notifications: Customers will receive a payment confirmation email immediately after the payment is successfully processed.
  • Failed Transactions: If a transaction fails or is declined, the order will not be processed until the issue is resolved. Customers will be notified and provided instructions to correct payment information or retry the transaction.
  • Delayed Payments: Orders may be delayed if verification is required. Delays are communicated clearly to customers to ensure transparency.
  • Multiple Payment Attempts: Repeated failed attempts may trigger temporary security holds to protect against potential fraud.

3. Payment Security

Beacon and Home LED prioritizes the security and protection of all sensitive payment information.

  • Encryption: All credit card and payment information is transmitted via 256-bit SSL encryption, the industry standard for secure transactions.
  • Data Storage: We do not store full credit card numbers on our servers. Only the minimum required payment data is retained by the payment provider.
  • Monitoring: Transactions are continuously monitored for suspicious or high-risk activity.
  • Fraud Prevention: Orders flagged as potentially fraudulent may be delayed, canceled, or investigated to protect customers and our business.
  • Verification: In some cases, customers may be asked to provide proof of identity or confirm payment details to complete the transaction.
  • Safe Payment Experience: By combining secure gateways, monitoring, and verification, customers are protected from unauthorized charges and payment fraud.

4. Payment Authorization

When placing an order, customers provide explicit authorization for Beacon and Home LED to charge the full order amount to their chosen payment method.

  • Authorization Required: Orders will only be processed once the payment is authorized and approved.
  • Failed Authorization: If authorization fails due to insufficient funds, incorrect card details, expired cards, or declined transactions, the order may be canceled or delayed.
  • Customer Communication: Beacon and Home LED will notify the customer promptly of any authorization failures and provide guidance for correction.
  • Dispute Handling: Payment disputes arising from incorrect or unauthorized charges must follow our Return & Refund Policy. Unauthorized disputes may be denied if proper procedures are not followed.

5. Refunds & Reversals

Refunds are issued only to the original payment method used at checkout.

  • Processing Time: Refunds are typically processed within 10 business days (Monday to Friday) of receiving and approving returned items or order cancellation.
  • Bank Delays: Customers are advised that refund processing may vary depending on the bank, card issuer, or payment provider.
  • Partial Refunds: In cases where partial refunds are applicable (e.g., partial order returns, discounts, or shipping adjustments), customers will be clearly notified of the refund amount.
  • Unauthorized Chargebacks: Customers are required to follow the Return & Refund Policy before initiating chargebacks. Disputes or chargebacks without following the proper procedure may be denied.

6. Recurring Payments & Subscriptions

If Beacon and Home LED offers subscriptions or recurring billing in the future:

  • Advance Notification: Customers will be notified in advance of each scheduled payment.
  • Automatic Processing: Payments will be automatically charged to the selected payment method on the agreed billing cycle.
  • Cancellation Policy: Customers may cancel recurring payments according to the terms of the subscription plan.
  • Customer Responsibility: Customers must ensure their payment method remains valid and up-to-date to avoid interruptions in service.

7. Taxes & Duties

  • All prices on Beacon and Home LED are displayed in USD and do not include local taxes, VAT, GST, sales tax, or import/customs duties, unless explicitly stated.
  • Customer Responsibility: Customers are responsible for paying any applicable taxes, duties, or customs fees upon delivery in their country.
  • Merchant Responsibility: Beacon and Home LED is not responsible for taxes, import duties, or customs charges imposed by local authorities.
  • Final Payable Amount: The amount charged at checkout reflects product price and any optional fees paid at checkout, excluding taxes or duties unless specifically stated.

8. Failed or Declined Payments

Payment failures can occur due to multiple reasons, including but not limited to:

  • Insufficient funds in the account or card.
  • Expired or invalid card details.
  • Incorrect billing information, such as mismatched name, address, or CVV.
  • Technical errors with the payment gateway or bank.

Customer Responsibility:

  • Ensure all payment information is accurate and up-to-date.
  • Verify sufficient funds are available before placing an order.
  • Monitor emails or notifications from Beacon and Home LED regarding failed payments.

Merchant Actions:

  • Orders will not be processed until payment is successfully authorized.
  • Beacon and Home LED will notify customers promptly about failed payments and provide clear instructions to resolve the issue.
  • Repeated failed attempts may trigger temporary security measures to prevent fraud.

9. Chargebacks & Disputes

Unauthorized chargebacks or disputes initiated without following the proper return/refund process may result in order cancellation.

Customers are required to follow the Return & Refund Policy before contacting their payment provider for a dispute.

Beacon and Home LED reserves the right to provide all relevant evidence to the payment provider, including:

  • Order confirmations
  • Shipping and tracking information
  • Proof of delivery

Dispute resolution: Unauthorized disputes may be rejected if the proper procedures are not followed, protecting both parties and maintaining compliance with payment provider policies.

10. Customer Responsibilities

Customers must ensure the following:

  • Accurate Payment Information: Enter correct card numbers, expiration dates, CVV codes, and billing addresses.
  • Sufficient Funds: Ensure the account or card has enough balance to cover the order.
  • Billing Verification: Billing addresses must match the cardholder’s details to avoid failed authorization.
  • Monitoring Transactions: Regularly review bank statements for unauthorized or suspicious activity.
  • Prompt Reporting: Report any payment issues immediately to Beacon and Home LED via email or live chat.

11. Merchant Responsibilities

Beacon and Home LED is responsible for:

  • Secure Payment Processing: Ensuring all transactions are encrypted and safe.
  • Payment Confirmation: Verifying receipt of payment before order fulfillment.
  • Fraud Prevention: Monitoring transactions for suspicious or high-risk activity.
  • Customer Support: Assisting with payment issues, refunds, or disputes professionally and promptly.
  • Communication: Keeping customers informed of payment status, failures, or verification requests.

12. Refund Scenarios

Refunds may be issued under the following circumstances:

  • Approved Returns: Items returned according to the Return & Refund Policy.
  • Order Cancellations: Orders canceled before shipment.
  • Lost Shipments: Orders confirmed lost by the shipping carrier.
  • Damaged, Defective, Incorrect, or Missing Items: Verified cases confirmed by Beacon and Home LED.

Additional Notes:

  • Refunds exclude original shipping costs, unless the return is due to our error.
  • Partial refunds will be communicated clearly to the customer.
  • Refund timelines vary depending on banks or payment providers and may take up to 10 business days (Monday to Friday) to appear in the customer’s account.

13. Fraud & Safety Measures

Beacon and Home LED implements strict fraud prevention policies to ensure a safe payment environment:

  • Fraud Verification: All orders undergo security and risk assessment before fulfillment.
  • High-Risk Transactions: Suspicious or high-value orders may be delayed, held, or canceled until verified.
  • Fraudulent Claims: Attempted fraudulent returns, refunds, or chargebacks may result in account suspension, order refusal, or legal action.
  • Cooperation with Authorities: We collaborate with payment providers, banks, and law enforcement to prevent financial fraud and abuse.
  • Customer Protection: Measures are in place to protect genuine customers from unauthorized charges or scams.

14. Business & Contact Information

Registered Company Name: Beacon and home LED

Address: 11755 Bay Harbour Boulevard 103, San Antonio Florida 33576, United States

Phone: +1 813 364 3504

Email: support@beaconandhome.com

Live Chat: Available on the website

Business Hours: 9:00 AM - 5:00 PM (Mon–Fri) (GMT-05:00) Eastern Standard Time (New York)

15. Policy Updates

  • Beacon and Home LED reserves the right to update this Payment Policy at any time.
  • Changes take effect immediately upon posting on the website.
  • Customers are encouraged to review this policy before making a purchase.