Payment Methods
Last updated: July 30, 2026 Currency: USD Regions covered: United States, United Kingdom, France, Germany, Australia, Spain, Canada, Italy, Belgium, Portugal
At Whalegifts, paying on https://whalegifts.co should be simple and secure for a handcrafted wooden furniture and home décor store. This page explains which payment methods are accepted, how payments are processed, the currency used, what isn’t supported, and how every transaction is protected. It works together with Whalegifts’s Shipping Policy, Cancellation Policy, Return & Refund Policy, and Warranty (all amounts shown and refunded in USD).
1. Accepted payment methods Credit / Debit Cards (Visa, Mastercard, American Express, Discover)
Choose “Credit/Debit Card” at checkout and enter your details on the secure payment page.
Charges are usually processed immediately and an order confirmation is sent to you.
For your safety, Whalegifts never stores full card numbers or CVV codes.
Payments are handled by PCI DSS–compliant payment processors (for example, Stripe or similar) over SSL/TLS encryption.
Your bank may ask for extra checks such as CVV, billing ZIP/postcode, or 3-D Secure/SCA.
A temporary authorization hold may appear on your statement; it turns into a charge when the order is confirmed, or disappears if the payment fails.
Approved refunds are returned to the same card in USD. How fast you see the refund depends on your bank.
PayPal
Select PayPal at checkout, log in to your account, and confirm payment. You will then be returned to an on-site confirmation page.
If PayPal uses a bank transfer/eCheck, order processing starts after PayPal shows the payment as cleared.
Refunds go back to your PayPal account or the original funding source, depending on how PayPal handles the transaction.
Large / high-value furniture orders To help prevent fraud and protect high-value shipments, Whalegifts may:
Verify billing and shipping details, or
Ask you to confirm the order quickly
This may happen, for example, when order values are high, billing and shipping addresses do not match, or several purchases are placed very quickly. Orders are held only as long as needed to complete these checks.
2. Currency & pricing (USD only) All orders are processed and refunded in U.S. Dollars (USD).
If your card or PayPal account uses another currency (for example GBP, EUR, AUD, CAD), your bank or PayPal will convert the amount using their exchange rate and may add fees.
These rates and fees are set by your bank or PayPal, not by Whalegifts.
Any small differences you see at refund time usually come from exchange rates and fees set by your payment provider.
3. Taxes, duties & what appears at checkout Any sales tax/VAT and any import duties or brokerage fees that Whalegifts collects will be shown at checkout in USD.
How duties and VAT are handled follows the Shipping Policy for your country or region.
If the Shipping Policy states that your order is shipped DDP (Delivered Duty Paid) or that charges are included:
Do not pay the driver or courier for these amounts, because they are already included in the total you paid at checkout (in USD).
If local authorities or carriers will collect charges at delivery:
This will be made clear before you confirm and pay at checkout, where possible.
Promotions and discount codes
Prices, promotions, and discount codes apply at checkout.
They cannot normally be applied retroactively to orders that have already been placed.
4. Unsupported payment methods To keep payment processing safe, clear, and fast, Whalegifts does not accept:
Bank transfers or wire transfers (unless clearly and explicitly offered for a specific order)
Checks
Cash on Delivery (COD)
Cryptocurrency
If new payment options are added in the future, this page will be updated.
5. Authorizations, charges, refunds & disputes Authorizations
Card issuers may show a temporary “pending” or authorization hold.
Most holds clear within 3–7 business days, but this depends on your bank.
Charges
Your card is charged when the order is confirmed.
If items in your order ship separately, Whalegifts will usually still process one total charge for the full order (unless your bank or the payment method works differently).
Refunds
Approved refunds are sent back to the original payment method (card or PayPal) in USD.
The time it takes for the refund to appear depends on your bank or PayPal.
Declines / duplicate lines
If a payment is declined or you see what looks like a duplicate pending line, try the steps in Section 7 or contact Whalegifts.
Most failed or duplicate pending lines disappear automatically after a short time (this is controlled by your bank).
Chargebacks
If something looks wrong on your statement or with your order, please contact Whalegifts first.
In many cases, Whalegifts can fix the issue faster directly (for example by refunding, correcting an error, or replacing an item).
Starting an immediate bank dispute/chargeback can slow down resolution and may add extra steps for both sides.
6. Security & compliance Every checkout uses SSL/TLS encryption, so your data is protected from your browser to the payment servers.
Payments are processed through PCI DSS–compliant payment gateways.
Whalegifts never stores full card numbers or CVV codes.
Access to limited payment information is restricted to trained staff, and only for support, order handling, and fraud prevention.
For some cards in the EU/UK and other regions, Strong Customer Authentication (SCA) / 3-D Secure may be required by your bank.
Always check that you see https:// and the lock icon in your browser before entering payment details.
7. Payment troubleshooting (quick fixes) If a payment fails or looks unusual, try these steps:
Check your details
Confirm that the card number, expiry date, CVV, and billing ZIP/postcode match what your bank has on file.
Complete security prompts
If your bank shows a 3-D Secure/SCA popup (for example a one-time code or app confirmation), complete that process.
Try another card or browser
Try a different card, or switch to another browser or device to rule out technical issues.
Call your bank
Ask your bank to approve the transaction, especially if it is a higher amount or an international purchase. Sometimes banks block new or unusual payments by default.
Use PayPal
If your card keeps being blocked, try PayPal (if available in your country) as an alternative.
Whalegifts aims to respond to payment support messages as quickly as possible on business days.
8. Policy updates From time to time, Whalegifts may update this Payment Policy, for example when:
New payment methods are added or removed
Security practices change
Legal or banking rules are updated
When changes are made, this page and the “Last updated” date at the top will be refreshed. Important changes may also be highlighted on the Website.
9. Contact & support Questions about payments or a recent charge? Please contact Whalegifts and include your Order
ID so we can help you faster.
Address: 4318 Mountain Terrace St, Memphis, TN 38127
Phone: +1 (602) 382-5257
Email: support@whalegifts.co
Support Time: Mon–Sun: 8:00 AM-5:00 PM CST