Payment Methods
Last updated: October 2026
At Formcloth, we provide secure and transparent payment options so customers can review the full cost of their order before completing a purchase. This Payment Methods Policy explains the payment methods available on formcloth.com, how payments are authorized, how charges are displayed, and how payment-related refunds are handled.
Summary
| Store | Formcloth |
|---|---|
| Website | formcloth.com |
| Accepted Card Networks | Visa, Mastercard, American Express, Discover, Diners Club, Elo, JCB, and UnionPay |
| Express Checkout / Digital Wallets | Shop Pay, PayPal, Google Pay, Apple Pay, and Venmo |
| Product Prices | Include applicable tax |
| Standard Shipping Charge | $6.99 per order |
| Shipping Charge | Displayed during checkout |
| International Shipping | Not available |
| Refund Method | Original payment method whenever technically possible |
| Payment Security | Payments are processed through authorized payment service providers |
| Contact Email | support@formcloth.com |
| Support Hours | Monday–Saturday, 8:00 AM–7:00 PM Eastern Time (ET) |
1. Accepted Payment Methods
Formcloth accepts several major payment methods through the checkout system on formcloth.com. Available payment methods may be presented during checkout based on your device, payment provider availability, and checkout configuration.
- Credit and Debit Cards: Visa, Mastercard, American Express, Discover, Diners Club, Elo, JCB, and UnionPay. Your card issuer may require additional verification before approving a transaction.
2. Express Checkout and Digital Wallets
Customers may also be able to complete purchases using supported express checkout or digital wallet services, including Shop Pay, PayPal, Google Pay, Apple Pay, and Venmo. When using an express checkout or digital wallet, you may be redirected to or interact with the applicable payment provider's secure checkout process, requiring you to sign in, verify your identity, or confirm your selected payment source before completing the transaction.
3. Payment Method Availability
The payment options displayed to an individual customer may depend on factors such as device type, browser compatibility, payment provider availability, wallet configuration, geographic or account eligibility, and payment provider requirements. Only payment methods displayed as available during checkout can be used for the applicable transaction.
4. Order Total and Charges
Before completing your purchase, checkout will display the applicable order amount. Your order total may include product price, applicable tax included in the displayed product price, standard shipping charge ($6.99 per order, calculated and displayed during checkout), and any other amount clearly disclosed before payment confirmation. Formcloth does not intentionally add undisclosed charges after an order has been submitted.
5. Taxes
Product prices displayed on formcloth.com include applicable tax. The final amount payable will be displayed during checkout before you confirm your order, and shipping charges are displayed separately where applicable.
6. Payment Authorization
When you submit an order, your selected payment method may be submitted for authorization, including verification of available funds/credit, card or wallet validity, billing information, security information, fraud-prevention checks, and payment provider authentication. An order may not be successfully completed if payment authorization is declined.
7. Payment Verification
For security purposes, some transactions may require additional verification by your card issuer, bank, digital wallet provider, payment processor, or other authorized payment security services. Formcloth may also review a transaction when reasonably necessary to help prevent unauthorized or fraudulent purchases.
8. Declined Payments
A payment may be declined for reasons including incorrect card/billing information, insufficient funds, expired payment method, card issuer restrictions, payment provider security checks, transaction limits, suspected unauthorized activity, or technical issues. If your payment is declined, please verify your information or contact your bank, card issuer, or payment provider (Formcloth does not control approval decisions made by independent payment providers or financial institutions).
9. Pending Payment Authorizations
In some situations, a bank or payment provider may temporarily display a pending authorization even when an order has not been successfully completed. A pending authorization is not necessarily a completed charge, and the length of time required for a pending authorization to be released is determined by the applicable bank or payment provider.
10. Billing Information
Customers are responsible for providing accurate billing information during checkout (cardholder/account holder name, billing address, ZIP code, card information, wallet account information, and security verification information). Incorrect billing information may cause payment authorization to fail.
11. Payment Security
Formcloth uses established payment services to process transactions made through formcloth.com. Payment information may be transmitted directly to authorized payment processors and financial service providers involved in completing the transaction. Customers should enter payment information only through the designated checkout process. For your security, do not send full payment card details by email, as Formcloth will never ask you to email your complete card number, card security code, or account password.
12. Third-Party Payment Providers
Certain payment methods are provided or processed by independent third parties (card networks, banks, payment processors, digital wallet providers, and express checkout providers) that may apply their own terms, security procedures, authentication requirements, and privacy practices.
13. Shop Pay, PayPal, Google Pay, Apple Pay, and Venmo
Customers may use supported express checkout options:
- Shop Pay: Securely uses customer information stored within the Shop Pay account to help complete checkout, subject to provider terms and privacy practices.
- PayPal: Sign in to your PayPal account and authorize the transaction; payment authorization and account eligibility are controlled by PayPal.
- Google Pay: Select an eligible payment method stored in your Google Pay account and confirm the transaction on supported devices/browsers.
- Apple Pay: Authenticate through an eligible device security method on supported Apple devices and browsers.
- Venmo: Authenticate through your Venmo account and approve the transaction according to Venmo's procedures.
14. Currency and Final Amount
The final transaction amount and applicable currency will be clearly displayed during checkout before you submit payment. Customers should review the checkout total carefully before completing a purchase. We do not intentionally process an amount different from the amount confirmed at checkout, except where a customer later authorizes an approved order modification.
15. Order Confirmation and Acceptance
After a successful order submission, you may receive an order confirmation via email containing order number, products ordered, order amount, shipping information, and payment status. Successful payment authorization does not necessarily mean that an order has completed all fulfillment checks, as orders may still be reviewed for product availability, address accuracy, payment verification, and fraud prevention. If an order cannot be fulfilled after payment has been collected, any applicable refund will be processed to the original payment method.
16. Duplicate Charges
If you believe you have been charged more than once for the same order, please first review your payment account to determine whether one of the transactions is only a pending authorization. If you still believe there is a duplicate completed charge, contact support@formcloth.com with your name, order number, date of transaction, and amount in question (do not send complete card numbers or card security codes by email).
17. Unauthorized Transactions
If you believe a Formcloth transaction was made without your authorization, contact us promptly at support@formcloth.com and also contact your bank, card issuer, or payment provider where appropriate. We may request reasonable transaction or order information to investigate the issue while protecting customer account security.
18. Refunds to the Original Payment Method
When a refund is approved, it will generally be sent to the original payment method used for the purchase whenever technically possible (such as card payments refunded to the same card, PayPal transactions refunded through PayPal, or wallet transactions refunded through the corresponding payment method). We do not normally redirect refunds to an unrelated card, bank account, wallet, or third-party account.
19. Refund Processing Time
Under our Return & Refund Policy, an eligible refund is processed within up to 7 days after the returned item has been received, inspected, and approved. After Formcloth issues a refund, your bank, card issuer, payment processor, or digital wallet provider may require additional time to post the funds to your account (these additional posting times are determined by the relevant financial institution or payment provider).
20. Refunds for Approved Order Cancellations
If an eligible order is successfully canceled after payment has already been collected, the applicable refund will normally be returned to the original payment method (cancellation eligibility depends on the fulfillment status of the order; review our Order Cancellation & Change Policy for details).
21. Returns and Payments
Eligible products may be returned within 30 days from the date of delivery under our Return & Refund Policy (approved returns include free return shipping using the provided label, no restocking fee, and no storage fee). Once an eligible return is received, inspected, and approved, the applicable refund will be processed according to our refund terms.
22. Shipping Charges
Formcloth currently ships only within the United States. Our standard shipping charge is $6.99 per order, displayed during checkout before payment is completed. For full shipping terms, please review our Shipping Policy.
23. Payment Disputes
If you believe there is an error with a charge, we encourage you to contact us promptly at support@formcloth.com so we can review the transaction (please provide relevant order details while avoiding the transmission of sensitive card information by email). Nothing in this policy limits any rights you may have under applicable law or through your payment provider.
24. Fraud Prevention
To protect customers and our business, transactions may be reviewed for signs of unauthorized or fraudulent activity, and where appropriate, we may request additional verification, delay fulfillment while a transaction is reviewed, decline a suspicious transaction, or cancel an order associated with suspected fraud. If a transaction is canceled after funds have been collected, any applicable refund will be processed to the original payment method.
25. Customer Payment Responsibilities
Customers are responsible for providing accurate payment information, using a payment method they are authorized to use, reviewing the order total before purchase, maintaining the security of their payment accounts, and providing accurate billing information. Customers should immediately contact the relevant financial provider if they believe their payment account has been compromised.
26. Payment Information and Privacy
Payment-related personal information is handled in accordance with our Privacy Policy. We may process or receive payment-related information when reasonably necessary to confirm transactions, process orders, issue refunds, prevent fraud, resolve payment disputes, and maintain legally required transaction records. We do not require customers to send complete payment credentials through customer support email.
27. Related Policies
This Payment Methods Policy should be read together with the other policies available on formcloth.com, including our Terms of Service, Shipping Policy, Return & Refund Policy, Order Cancellation & Change Policy, Privacy Policy, and Cookie Policy.
28. Contact Us
For questions regarding payments, charges, refunds, billing, or an order, contact:
| Store | Formcloth |
|---|---|
| Website | formcloth.com |
| Address | 497 Winchester Ave, New Haven, CT 06511-1919, United States |
| support@formcloth.com | |
| Support Hours | Monday–Saturday, 8:00 AM–7:00 PM Eastern Time (ET) |
Eastern Time observes EST (UTC−5) during standard time and EDT (UTC−4) during daylight saving time.