Payment & Security
PAYMENT & SECURITY
Shop With Confidence.
At PandaHomeMart, we want every part of your shopping experience to feel clear, secure, and straightforward — including checkout and payment.
Payments placed through PandaHomeMart are processed using the payment options made available during checkout.
Available payment methods may vary depending on:
Country or Region
Currency
Device
Order Value
Payment Provider
Checkout Availability
This page explains how payments, billing, refunds, verification, and account security are generally handled.
Secure Checkout · Clear Pricing · Protected Payment Process
PAYMENT AT A GLANCE
AVAILABLE PAYMENT METHODS
Current payment options are displayed during checkout.
PAYMENT CURRENCY
The currency shown during checkout is the currency used for the applicable transaction unless otherwise stated.
PAYMENT SECURITY
Payments are processed through supported checkout and payment systems.
CARD INFORMATION
Do not send full payment card information through email, social media, or our contact form.
REFUNDS
Approved refunds are generally returned to the original payment method.
HOW PAYMENT WORKS
01 · ADD PRODUCTS TO YOUR CART
Choose the products you would like to purchase.
Review:
Products
Quantities
Prices
Discounts
Shipping Information
before continuing.
02 · ENTER YOUR INFORMATION
Provide the information required for checkout.
This may include:
Name
Email Address
Shipping Address
Billing Address
Phone Number where required
Please make sure all information is accurate.
03 · CHOOSE A PAYMENT METHOD
Available payment options will be displayed during checkout.
Payment availability may vary by location.
04 · REVIEW YOUR ORDER
Before submitting payment, review:
Merchandise Subtotal
Discounts
Shipping
Applicable Taxes
Order Total
Shipping Address
05 · COMPLETE PAYMENT
Submit the order using the selected payment method.
Once payment is successfully processed, you should receive an order confirmation.
AVAILABLE PAYMENT METHODS
PandaHomeMart may support multiple payment methods through the checkout options available to you.
These may vary depending on:
Customer Location
Currency
Device
Payment Provider
Current Checkout Configuration
Please refer to checkout for the most current payment methods available for your order.
CREDIT & DEBIT CARDS
Where available, eligible credit and debit cards may be accepted through the checkout system.
When entering payment information, make sure:
Card Number Is Correct
Expiration Date Is Correct
Security Code Is Correct
Billing Address Matches Your Card Information
Card Is Authorized for Online Purchases
Card Is Authorized for International Transactions where applicable
DIGITAL PAYMENT OPTIONS
Additional digital payment methods may be available depending on your device, region, and checkout configuration.
If an eligible payment option is available, it will appear during checkout.
PandaHomeMart does not guarantee that every payment method will be available in every country.
WHEN WILL I BE CHARGED?
Payment is processed according to the payment method selected during checkout.
Depending on the provider, you may see:
A Completed Charge
A Pending Authorization
A Temporary Authorization Hold
before the transaction is fully completed.
The exact appearance of the transaction depends on your bank or payment provider.
PENDING PAYMENTS
A payment may temporarily appear as:
Pending
Processing
Authorized
This does not necessarily mean you have been charged twice.
Payment providers sometimes place temporary authorization holds while verifying a transaction.
If a pending transaction remains for an unusually long period, contact your bank or payment provider.
WHY WAS MY PAYMENT DECLINED?
A payment may be declined for many reasons.
Common causes include:
Incorrect Card Information
Incorrect Billing Address
Expired Card
Insufficient Funds
Bank Security Review
International Transaction Restrictions
Online Purchase Restrictions
Daily Transaction Limits
Payment Provider Restrictions
Fraud Prevention Review
WHAT SHOULD I DO IF MY PAYMENT IS DECLINED?
Try the following:
01
Check your payment information.
02
Confirm your billing address.
03
Make sure your card has not expired.
04
Contact your bank or payment provider.
05
Try another payment method if available.
Avoid repeatedly submitting the same failed payment many times in a short period.
BILLING ADDRESS
Your billing address should normally match the address associated with your payment method.
A mismatch may cause payment verification to fail.
Please review:
Street Address
City
Province / State
Postal / ZIP Code
Country
before submitting payment.
SHIPPING ADDRESS VS BILLING ADDRESS
Your shipping address and billing address do not always need to be the same.
For example, you may be:
Sending a Gift
Shipping to Work
Shipping to a Family Member
However, the billing information should still match the information associated with your payment method where required.
ORDER CONFIRMATION
After successful checkout, you should receive an order confirmation.
The confirmation may include:
Order Number
Products Ordered
Order Total
Shipping Address
Billing Summary
If you do not receive an order confirmation, check:
Spam Folder
Promotions Folder
Email Address Entered at Checkout
If you are still unsure whether the order was successfully placed, contact us before placing another order.
DUPLICATE ORDERS
If checkout appears to fail, avoid immediately placing the same order multiple times without checking your email or payment activity.
This can sometimes result in duplicate orders.
If you believe you placed the same order more than once, contact PandaHomeMart as soon as possible.
DUPLICATE CHARGES
A temporary authorization may sometimes appear alongside a completed transaction.
This can look like a duplicate charge even when only one final payment will settle.
If two completed charges remain on your statement for the same order, contact us with:
Order Number
Transaction Date
Amount Charged
Do not send your full card number.
PAYMENT SECURITY
YOUR PAYMENT INFORMATION MATTERS.
PandaHomeMart uses supported checkout and payment systems to process eligible transactions.
Sensitive payment information should only be entered through the official PandaHomeMart checkout process.
Never send payment card information through:
Social Media Messages
Contact Forms
Public Comments
Chat Messages
WE WILL NEVER ASK FOR YOUR FULL CARD NUMBER BY EMAIL
For your protection, PandaHomeMart customer service should not require you to send your complete payment card number through email or a standard support message.
If payment information needs to be updated, you may be directed to an appropriate secure checkout or payment process.
PROTECT YOUR PAYMENT INFORMATION
Customers can also help protect their accounts and payment details.
We recommend:
Use a Trusted Device
Use a Secure Internet Connection
Keep Your Browser Updated
Avoid Public Computers for Sensitive Transactions
Do Not Share Passwords
Review the Website Address Before Entering Payment Information
Do Not Send Card Details Through Email
ACCOUNT SECURITY
If you create a PandaHomeMart customer account, protect your login information.
Use:
A Strong Password
A Unique Password
A Password You Do Not Reuse Across Multiple Websites
Do not share your login credentials with others.
IF YOU SUSPECT UNAUTHORIZED ACCOUNT ACCESS
If you believe someone has accessed your PandaHomeMart account without permission:
Change your password.
Review recent orders.
Review your email account security.
Contact PandaHomeMart if you notice unfamiliar activity.
Contact your payment provider if you believe a payment method has been compromised.
FRAUD PREVENTION
To protect customers and PandaHomeMart, certain transactions may be reviewed before fulfillment.
An order may be reviewed because of factors such as:
Unusual Order Value
Billing and Shipping Differences
Multiple Payment Attempts
Unusual Transaction Activity
Payment Provider Alerts
Potential Fraud Indicators
A review does not automatically mean that there is a problem with the customer.
PAYMENT VERIFICATION
In selected cases, additional information may be requested before an order is fulfilled.
This may be necessary to verify:
Order Ownership
Shipping Information
Payment Authorization
Transaction Legitimacy
For security reasons, we may cancel or hold an order if payment cannot be reasonably verified.
FRAUDULENT TRANSACTIONS
PandaHomeMart reserves the right to cancel transactions reasonably believed to involve:
Stolen Payment Information
Unauthorized Payment Activity
False Customer Information
Chargeback Abuse
Artificial Distributor Purchases
Fraudulent Orders
Payment Manipulation
Orders that fail security review may not be fulfilled.
DISTRIBUTOR PROGRAM PAYMENTS
Customers purchasing through a PandaHomeMart Distributor Partner still complete payment directly through PandaHomeMart.
Distributor Partners should not normally collect customer payments on behalf of PandaHomeMart unless a separate authorized arrangement specifically allows it.
Customers should use the official PandaHomeMart checkout process.
DISTRIBUTOR SELF-PURCHASES
Approved Distributor Partners may make eligible personal purchases through the applicable Distributor Program.
The purchase must still be:
Legitimate
Successfully Paid
Processed Through an Approved Payment Method
Eligible Under Program Rules
Fraudulent or artificial transactions do not qualify for Distributor commission.
EXPLORE DISTRIBUTOR PROGRAM →
WHOLESALE PAYMENTS
Wholesale orders may follow different payment terms from standard retail orders.
New wholesale accounts are generally expected to pay according to the terms provided with the applicable wholesale order or account.
Wholesale payment requirements may depend on:
Order Value
Account History
Order Type
Destination
Approved Payment Arrangement
EXPLORE WHOLESALE PROGRAM →
WHOLESALE PAYMENT TERMS
New wholesale accounts may be required to pay in full before fulfillment.
Selected established wholesale partners may receive different payment terms if separately approved.
Any alternative payment terms should be confirmed in writing.
CURRENCY
Product prices and checkout totals may be shown in the currency supported for the applicable shopping experience.
The final payment currency shown at checkout is the relevant currency for the transaction unless otherwise stated.
CURRENCY CONVERSION
If your bank account or payment card uses a different currency from the checkout currency, your payment provider may perform currency conversion.
Your bank or card provider may charge:
Currency Conversion Fees
Foreign Transaction Fees
Other International Payment Fees
These charges are controlled by your financial institution, not PandaHomeMart.
EXCHANGE RATE DIFFERENCES
Currency exchange rates can change.
As a result, if an international transaction is later refunded, the amount reflected in your local currency may differ slightly from the amount originally displayed by your bank.
This may result from:
Exchange Rate Changes
Bank Conversion Methods
Foreign Transaction Fees
These differences are generally outside PandaHomeMart's control.
TAXES
Applicable taxes may be calculated according to:
Destination
Order Type
Product Category
Customer Location
Applicable Tax Rules
Where required, taxes may be displayed during checkout.
INTERNATIONAL DUTIES & IMPORT TAXES
International orders may also be subject to destination charges such as:
Import Duties
VAT
GST
Customs Fees
Brokerage Fees
Import Processing Charges
These charges are separate from the payment you make to PandaHomeMart unless specifically included at checkout.
VIEW SHIPPING INFORMATION →
DISCOUNT CODES
Approved discount codes may be entered during checkout where supported.
Discounts may have rules related to:
Minimum Spend
Eligible Products
Eligible Collections
Customer Eligibility
Expiration Date
Geographic Region
Maximum Discount
CAN I USE MORE THAN ONE DISCOUNT CODE?
Not always.
Some promotions cannot be combined.
If multiple discounts are not permitted, checkout may apply only one eligible promotion.
The specific campaign terms will determine eligibility.
DISTRIBUTOR CODES
Customers may use eligible PandaHomeMart Distributor codes where supported.
Distributor codes may be subject to:
Product Eligibility
Campaign Rules
Discount Restrictions
Expiration Dates
Other Program Terms
WHOLESALE DISCOUNTS
Wholesale pricing operates separately from standard consumer promotions.
Wholesale discounts cannot normally be combined with:
Retail Discount Codes
Distributor Commission
Welcome Offers
Consumer Free-Shipping Promotions
Other Retail Promotions
unless PandaHomeMart specifically authorizes the combination.
GIFT CARDS
If PandaHomeMart offers gift cards, applicable gift card terms will apply.
Gift cards generally:
Have No Cash Redemption Except Where Required by Law
Cannot Normally Be Used to Purchase Other Gift Cards
May Be Subject to Regional Availability
Please review the specific gift card terms at the time of purchase.
REFUNDS
Approved refunds are generally issued to the original payment method used for the purchase.
For example:
Credit Card Purchase → Credit Card Refund
Eligible Digital Payment → Original Digital Payment Method
Alternative arrangements may apply only when necessary or specifically approved.
REFUND TIMING
After PandaHomeMart issues an approved refund, your payment provider may require additional time before the funds appear.
A typical processing period may be approximately:
5–10 BUSINESS DAYS
after the refund has been issued.
Actual timing depends on your bank or payment provider.
PARTIAL REFUNDS
If only part of an order is refunded, the refund will generally correspond to the eligible refunded amount.
Example:
Eligible Merchandise:
CAD $100
Refunded Product:
CAD $30
Approved Merchandise Refund:
CAD $30
subject to applicable discounts, shipping charges, taxes, and return conditions.
DISCOUNTED ORDER REFUNDS
Refunds are generally based on the amount actually paid.
Example:
Retail Price:
CAD $50
Discount:
CAD $10
Amount Paid:
CAD $40
An eligible merchandise refund would normally be calculated using the CAD $40 amount paid rather than the original CAD $50 retail price.
REFUND TO A CANCELLED OR REPLACED CARD
If your original payment card has expired or been replaced, the refund is still generally issued to the original payment transaction.
Banks can often route the refund to the replacement account.
If you have concerns, contact your bank or payment provider.
CHARGEBACKS
A chargeback is a payment dispute initiated through a bank or payment provider.
Before opening a chargeback, we encourage customers to contact PandaHomeMart when possible so we can review legitimate order issues.
Examples include:
Missing Item
Damaged Product
Incorrect Order
Return Status
Refund Status
Shipping Issue
FRAUDULENT CHARGEBACKS
Misusing the chargeback process for a legitimate, properly fulfilled order may be treated as fraudulent activity.
PandaHomeMart may provide relevant transaction, tracking, order, and communication records to the payment provider during a dispute.
ORDER CANCELLATIONS & PAYMENT
If an eligible order is cancelled before shipment, an approved payment reversal or refund may be issued.
If the payment is still pending, the authorization may simply disappear rather than appearing as a separate refund.
The exact process depends on the payment provider.
PAYMENT AFTER SHIPPING
Once an order has shipped, it normally cannot be cancelled as an unfulfilled transaction.
Eligible returns must instead follow the:
RETURNS & REFUNDS POLICY →
PAYMENT FOR PRE-ORDER OR SPECIAL PRODUCTS
If PandaHomeMart offers pre-order, custom, or special-order products, payment terms may differ.
The applicable product page or order agreement should specify:
Payment Timing
Deposit Requirements
Cancellation Conditions
Estimated Fulfillment
Final Payment Requirements
CORPORATE & LARGE ORDERS
Large business, gift, or corporate orders may require separate payment arrangements.
Depending on the order, PandaHomeMart may provide:
Custom Quote
Invoice
Payment Instructions
Order-Specific Terms
Large orders should only be paid using the authorized instructions provided for that transaction.
PAYMENT SAFETY FOR BUSINESS ORDERS
If you receive unexpected payment instructions claiming to be from PandaHomeMart, verify them before sending funds.
Be especially cautious if:
Bank Details Suddenly Change
Payment Is Requested to an Unfamiliar Recipient
You Receive Unusual Payment Instructions
You Are Asked to Bypass the Normal Checkout Process
When uncertain, contact PandaHomeMart through the official Contact Us page before paying.
PHISHING & SCAMS
Fraudulent messages may sometimes imitate legitimate online businesses.
Be cautious of messages that:
Request Full Card Information
Request Passwords
Demand Immediate Payment Through Unusual Methods
Claim You Won a Prize but Must Pay First
Ask You to Send Sensitive Information by Email
Contain Suspicious Links
If a message appears suspicious, do not click the link or provide payment information.
PANDAHOMEMART WILL NOT ASK FOR YOUR PASSWORD
Do not share your account password with anyone claiming to represent PandaHomeMart.
Customer support should not need your password to assist with an order.
NEVER SHARE THESE DETAILS THROUGH EMAIL
Do not send:
Full Card Number
Card Security Code
Account Password
Online Banking Password
One-Time Security Codes
Sensitive Financial Login Information
through ordinary email or contact forms.
PAYMENT PRIVACY
Information submitted during checkout is used to process your transaction, fulfill your order, support customer service, and meet applicable business or legal requirements.
For information about how personal information is handled, please review:
PRIVACY POLICY →
SAVED PAYMENT INFORMATION
If a checkout provider offers saved payment functionality, that feature may be managed by the relevant account or payment service.
PandaHomeMart does not recommend sharing account access with other people.
PUBLIC OR SHARED DEVICES
If you place an order from a public or shared device:
Do Not Save Your Password
Do Not Save Payment Details Unless You Trust the Device
Sign Out When Finished
Close the Browser
Avoid Public Computers for Sensitive Purchases where possible.
WHAT IF I DO NOT RECOGNIZE A PANDAHOMEMART CHARGE?
First check:
Recent Orders
Family or Household Purchases
Pending Orders
Duplicate Authorization Holds
Then contact PandaHomeMart if you still do not recognize the transaction.
If you believe payment information has been stolen, contact your bank or payment provider immediately.
WHAT INFORMATION SHOULD I PROVIDE?
If contacting us about a payment issue, provide:
Order Number
Full Name
Email Used at Checkout
Transaction Date
Transaction Amount
Brief Description of the Problem
DO NOT SEND YOUR FULL CARD NUMBER.
PAYMENT FAQ
WHAT PAYMENT METHODS DO YOU ACCEPT?
Available payment methods are displayed during checkout and may vary by region and device.
IS MY PAYMENT SECURE?
Payments are processed through supported checkout and payment systems.
Always enter payment information only through the official PandaHomeMart checkout process.
DOES PANDAHOMEMART STORE MY FULL CREDIT CARD NUMBER?
Sensitive payment information is handled through the applicable payment and checkout systems.
PandaHomeMart customer support does not need you to send your full card number through email or contact forms.
WHY WAS MY CARD DECLINED?
Possible reasons include:
Incorrect Information
Billing Address Mismatch
Bank Security Controls
Insufficient Funds
Expired Card
International Transaction Restrictions
Contact your bank if the problem continues.
WHY DO I SEE A PENDING CHARGE?
Your payment provider may place a temporary authorization hold.
Pending authorizations normally resolve according to the provider's processing schedule.
WHY DO I SEE TWO CHARGES?
One may be a temporary authorization.
If two completed charges remain, contact us.
CAN I PAY IN A DIFFERENT CURRENCY?
Available checkout currency depends on the shopping experience and payment system.
Your financial institution may convert the transaction if your account uses another currency.
WILL MY BANK CHARGE A FOREIGN TRANSACTION FEE?
Possibly.
Foreign transaction and currency conversion fees are controlled by your bank or payment provider.
ARE CUSTOMS DUTIES INCLUDED?
Not necessarily.
International duties, taxes, and brokerage charges may be collected separately.
CAN I USE A DISCOUNT CODE?
Eligible discount codes may be entered at checkout where supported.
CAN I USE TWO DISCOUNT CODES?
Not always.
Promotion stacking depends on the specific campaign terms.
CAN WHOLESALE DISCOUNTS AND DISTRIBUTOR COMMISSION BE COMBINED?
Normally no.
Wholesale pricing and Distributor commission do not generally apply to the same transaction.
CAN DISTRIBUTORS EARN COMMISSION ON THEIR OWN PURCHASES?
Yes.
Eligible self-purchases may earn Distributor commission under the applicable program rules.
HOW WILL I RECEIVE A REFUND?
Approved refunds are normally returned to the original payment method.
HOW LONG DOES A REFUND TAKE?
After PandaHomeMart issues the refund, your payment provider may take approximately 5–10 business days to post it.
CAN YOU REFUND ME TO A DIFFERENT CARD?
Refunds are normally issued back to the original payment transaction.
SHOULD I EMAIL MY CARD INFORMATION TO CUSTOMER SERVICE?
NO.
Never send your full payment card number or security code through email or our contact form.
NEED PAYMENT HELP?
If you have a payment or checkout question, please contact us and include:
Order Number if available
Name
Email Address
Transaction Amount
Brief Description of the Issue
Do not include full card details.
CONTACT PANDAHOMEMART →
RELATED CUSTOMER CARE
SHIPPING INFORMATION
Learn about shipping, tracking, customs, and international delivery.
VIEW SHIPPING INFORMATION →
RETURNS & REFUNDS
Learn about eligible returns, damaged items, and refunds.
VIEW RETURNS & REFUNDS →
FREQUENTLY ASKED QUESTIONS
Find answers to common shopping questions.
VIEW FAQ →
CONTACT US
Need personal assistance?
CONTACT PANDAHOMEMART →
SHOP WITH CONFIDENCE
A good shopping experience should feel simple from the moment you choose a product to the moment you complete checkout.
Review your order.
Use the official PandaHomeMart checkout.
Protect your payment information.
And contact us if something does not look right.
SHOP PANDAHOMEMART →
PandaHomeMart
Tea · Botanicals · Teaware · Eastern Living