Payment Methods Policy – Home Low Cost

1. Scope
This Payment Methods Policy applies to purchases made at www.homelowcost.pt and defines the available payment methods, validation conditions and order processing rules.

2. Available Payment Methods
At Home Low Cost, Customers may complete payment using the following methods:

• Multibanco (Reference Payment)
• MB WAY
• Credit / Debit Card
• Bank Transfer
• Klarna
• Cash on Delivery (with mandatory 50% advance payment)

Available methods may vary depending on the delivery country or technical conditions.

3. Payment Confirmation and Processing Start
An order is only considered confirmed after:

• Successful payment confirmation
• Order data validation

⚠️ For personalized, custom-made or made-to-order products, production only starts after payment confirmation.

4. Payment Deadline and Automatic Cancellation
If payment is not made within the indicated timeframe, the order may be automatically cancelled.
General rule:
Unpaid orders after 5 days may be cancelled.

5. Multibanco Payment
The Customer must complete payment using the details provided at checkout.
The order will only proceed after bank confirmation.

6. MB WAY Payment
Payment must be confirmed in the MB WAY application within the indicated timeframe.
If not confirmed, the order may be automatically cancelled.

7. Card Payment (Credit / Debit)
Card payments are processed through secure and certified payment platforms.
Home Low Cost does not have access to the Customer’s full card details.
Additional bank authentication may be required (e.g., 3D Secure).

8. Bank Transfer Payment
The Customer must complete the transfer using the provided bank details.
Orders are only confirmed after payment verification.
Any associated bank fees are the Customer’s responsibility.

9. Klarna Payment
Klarna allows Customers to complete payment according to Klarna’s own conditions.
Payment approval depends exclusively on Klarna.
Home Low Cost does not interfere in approval or financing decisions.

10. Cash on Delivery (Mandatory 50% Advance Payment)
Cash on Delivery is available under the following conditions:

• Mandatory advance payment of 50% of the total order value
• Remaining 50% paid upon delivery

⚠️ If the Customer refuses delivery, the advance payment will not be refunded, as it covers logistical, administrative and, when applicable, production costs.

11. Security and Fraud Prevention
Home Low Cost reserves the right to:

• Request additional information to validate orders
• Suspend or cancel orders with fraud indicators
• Refuse certain payment methods when inconsistencies are detected

12. Refunds
When applicable, refunds will be issued:

• Using the same payment method, whenever possible
• After case validation

⚠️ For personalized, custom-made or made-to-order products, cancellations are not accepted once production has started.

13. Contact
For payment-related questions:
📧 info@homelowcost.com