This page explains how payment options, order totals, transaction authorization, and checkout security are handled when you place an order through lohoin.com.

1. PAYMENT METHODS

The payment methods currently available for your purchase are displayed during checkout. Options may vary depending on your location, currency, device, order details, and the payment services enabled at the time of purchase. Select an available method and follow the instructions shown at checkout.

2. PAYMENT AUTHORIZATION AND VERIFICATION

Orders may be subject to transaction authorization, payment verification, and fraud-prevention review before acceptance or fulfillment. A bank, card issuer, or payment provider may request additional verification, decline a transaction, or place a temporary authorization hold.

These decisions and the time required to release an authorization hold are controlled by the relevant financial institution or payment provider.

3. CHECKOUT SECURITY

Checkout is processed through Shopify and the applicable payment providers using security measures intended to protect transaction information. Payment details necessary to authorize and process a transaction are handled by the relevant payment service providers.

For your protection, never send a complete credit-card number, debit-card number, card security code, or online-banking password by email or customer-support message. We will not ask you to provide these sensitive credentials through an ordinary email.

4. PRICES AND FINAL ORDER TOTAL

Prices are displayed in U.S. dollars unless another currency is clearly shown. Before submitting payment, review the products, quantities, shipping address, shipping charges, discounts, applicable taxes, and final order total shown at checkout.

The transaction total presented before payment is the amount you authorize, subject to any separate fees charged by your bank or payment provider.

5. FINANCIAL-INSTITUTION FEES

Your bank, card issuer, or payment provider may separately charge foreign-exchange, international transaction, currency-conversion, or other account-related fees. These charges are determined by the applicable financial institution and are not set or collected by the store.

6. DISCOUNT CODES AND PROMOTIONS

Valid promotional codes should be entered before checkout is completed. Confirm that the discount appears in the final order total before submitting payment. Promotions may be subject to expiration dates, product eligibility, minimum purchase requirements, exclusions, usage limits, and other conditions stated with the offer.

Unless the promotion terms say otherwise, a discount cannot be applied retroactively to an order that has already been completed.

7. PAYMENT FAILURES AND DUPLICATE AUTHORIZATIONS

If a payment fails, review the information entered and follow any instructions shown by the payment provider. You may wish to contact your bank or payment provider if the transaction continues to be declined.

In some cases, a pending authorization may appear even though an order was not completed. The timing of any release depends on the financial institution or payment provider. If you believe you have been charged more than once or notice an unfamiliar transaction, contact customer support with relevant order details and contact your payment provider where appropriate.

8. REFUNDS

Approved refunds are normally returned to the original payment method in accordance with the Return & Refund Policy. After a refund is initiated, the time required for the credit to appear depends on the bank, card issuer, or payment provider.

9. FRAUD PREVENTION

We may review order details or request additional verification where reasonably necessary to prevent fraud, unauthorized payments, or misuse of the store. An order may be delayed, declined, or canceled when payment cannot be verified or when there is a reasonable concern about unauthorized activity, subject to applicable law.

10. PAYMENT QUESTIONS

For questions about an order total, a payment status, a failed transaction, or an approved refund, use the contact details listed at the beginning of this page. Do not include complete card numbers, security codes, passwords, or other sensitive financial credentials in your message.