Payment Policy Overview

These Payment Terms & Conditions govern all purchases made through thehorecastore.com, operated by The Horeca Store Inc. By completing a transaction on our website, you confirm that you understand and agree to the payment terms outlined below.

This policy applies to all customers, including businesses, organizations, and individuals.

Accepted Payment Methods

We accept the following secure payment options:

• Credit/Debit Cards (Visa, MasterCard, American Express, Discover)
• ACH or Wire Transfers (for verified accounts and high-volume orders)
• Business Credit Terms (available only to approved accounts)
• Buy Now, Pay Later (BNPL) via integrated providers (when available)
• Apple Pay / Google Pay / Digital Wallets (select transactions)

All payments are processed in U.S. Dollars (USD).

Payment Authorization

• Orders are subject to real-time verification and fraud screening.
• An authorization hold may be placed during checkout and will be captured only once:
• The order is confirmed and processed by our Fulfillment Team, or
• The item is dispatched or transferred to a third-party supplier.

If authorization fails, the order will not be accepted or fulfilled.

Business Credit Terms

Approved businesses may request terms such as Net 15 / Net 30, subject to credit check.

• Payment must be made within the agreed timeframe.
• Late payments incur 1.5% monthly interest or $25 late fee, whichever is greater.
• Repeated non-payment will lead to suspension of terms, collections, and possible legal recovery action.

To request business terms, email finance@thehorecastore.com.

Fraud Prevention & Order Verification

• The Horeca Store Inc. uses advanced fraud detection tools, including:
• AVS (Address Verification Service)
• IP address tracking
• Geolocation and device fingerprinting
• We reserve the right to cancel or delay any suspicious order, and to request identification or business documentation for verification.

Orders may be placed on hold pending manual approval if risk indicators are triggered.

Chargebacks & Disputed Transactions

By shopping at thehorecastore.com, you agree to resolve all disputes directly with The Horeca Store Inc. before initiating a chargeback.

If a chargeback is filed without first contacting our support team, the following will apply:

• We will provide full transaction evidence, delivery proof, IP address logs, customer communication records, and signed terms to the payment provider.
• Customers who file unwarranted chargebacks may be:
• Permanently banned from shopping with us
• Reported to commercial credit bureaus (for business accounts)
• Pursued legally for damages, fees, and recovery of the disputed amount

Unjustified chargebacks will be treated as theft of service or goods, and we will take all necessary action to protect our business and partners.

For any concerns regarding an order or payment, contact:

support@thehorecastore.com

Non-Refundable Charges

Unless explicitly stated otherwise, the following are non-refundable:

• Shipping, handling, and freight costs
• Credit card or processing fees (if applicable)
• Custom manufacturing charges or deposits
• Charges on non-returnable or perishable goods

See our Refund Policy and Returns Policy for detailed conditions.

Sales Tax & Invoicing

• Sales tax is applied based on the ship-to location in accordance with state and federal regulations.
• Tax-exempt customers must submit a valid certificate before placing an order.
• Email: sales@thehorecastore.com
• Invoices are issued electronically upon order confirmation and accessible in your account dashboard.

Failed or Incomplete Payments

If a payment fails or is reversed:

• The order will be automatically canceled or placed on hold.
• Any associated losses or penalties will be the responsibility of the customer.
• Repeated failures will result in account suspension.

Legal Disclaimer

These Payment Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to conflict-of-law provisions. All disputes must be resolved in accordance with our Dispute Resolution Policy and are subject to binding arbitration in Texas.