To ensure secure and reliable payment for customers in Canada and the United States, we offer multiple trusted payment methods and follow strict payment processing standards. Please read the policy below to help ensure a smooth checkout experience.

1. Payment Methods

1.1 Credit & Debit Cards: We accept Visa, MasterCard, American Express, and other major cards issued in Canada and the United States.

1.2 Third-Party Payment Services: We support PayPal, BTC, Xoom, Remitly, and Western Union for international customers who prefer secure online transfers.

1.3 Bank Transfer: For large or custom orders, bank transfer is available. Please contact us at sales@cahomai.com after completing the transfer for verification.

2. Currency & Exchange Rates

2.1 All payments are processed in the currency displayed at checkout (USD or CAD depending on your region).

2.2 If your card or account uses a different currency, your financial institution may apply a conversion fee.

3. Payment Security

3.1 We use SSL encryption to protect your personal and payment information throughout the transaction.

3.2 All card transactions are processed through certified and secure payment gateways.

3.3 We do not store complete card numbers or sensitive payment data on our servers.

4. Order Verification

4.1 For high-value or irregular orders, we may request additional verification to protect customers from unauthorized transactions.

4.2 If verification is required, our team will contact you directly using your registered email.

5. Failed or Declined Payments

5.1 If your card is declined, please verify that all entered information is correct.

5.2 Some banks may temporarily block international or online transactions; contacting your bank may help resolve the issue.

5.3 You may always choose an alternative payment method at checkout.

6. Refund Policy

6.1 Refunds, when applicable, will follow our official Return & Refund Policy.

6.2 Refunds will be sent back to the original payment method and may take 5–10 business days depending on your bank or payment provider.

7. Fraud Prevention

7.1 We actively monitor transactions to prevent unauthorized or fraudulent activities.

7.2 Any suspicious payment may be paused or canceled to ensure customer safety.

8. Taxes & Additional Fees

8.1 Applicable taxes (GST/HST in Canada or state taxes in the U.S.) will be calculated at checkout according to local regulations.

8.2 Some banks may charge international or processing fees based on your card type or institution.

9. Billing Information Accuracy

9.1 You must provide accurate and up-to-date billing information to avoid delays in order processing.

9.2 Orders may be held if billing data cannot be verified.

10. Customer Support

If you need help completing a payment, or have questions about charges, please contact us at:
Email: sales@cahomai.com

Our support team is available to assist customers in both the United States and Canada.