Payment Policy

1. Accepted payment methods

We accept the major credit and debit card networks: Visa, Mastercard, American Express and Discover. Cards issued outside the United States are accepted where the issuing bank permits the transaction, but the billing address on the order must match the address the card issuer holds.

We do not accept cash, personal cheques, money orders, wire transfers or cryptocurrency for online orders. If you would prefer to pay a different way for a showroom purchase, call (718) 381-9800 and speak to us before you order online.

2. How your payment is processed

Card payments on this site are processed by Stripe, a PCI DSS Level 1 certified payment processor. Your card details are sent directly from your browser to Stripe over an encrypted connection. They are not stored on our servers and our staff cannot see your full card number at any point.

Stripe may perform its own fraud and risk checks on a transaction. If a payment is declined by that process, the decision comes from Stripe or your card issuer, and we are not told the specific reason.

3. When you are charged

Your card is authorised when you place the order and charged when the order is confirmed. You will see the charge on your statement as a payment to BJ Nicols Furniture Empire. If an item turns out to be unavailable after you have paid, we tell you promptly and refund that item in full.

4. Currency and pricing

All prices on this website are listed and charged in United States dollars. If your card is denominated in another currency, your issuer performs the conversion and may add a foreign transaction fee. That fee is set by your bank and is not charged by us.

We work to keep prices and stock accurate. If a pricing error is discovered after you order, we contact you before shipping and you can confirm the corrected price or cancel the order for a full refund. We never charge more than the price you agreed to at checkout without asking you first.

5. Sales tax

Any sales tax that applies to your order is calculated at checkout, based on the delivery address, and is shown on the order summary before you pay. The figure displayed on the checkout page is the figure charged.

6. Order verification

To protect cardholders, we occasionally verify an order before shipping. If we need to do this we call or email you using the details on the order. If we cannot reach you within three business days, we cancel the order and release the payment back to your card. This is not a reflection on you; it is a routine check on high value furniture orders.

7. Declined payments

If your payment is declined, the most common causes are a mismatch between the billing address you entered and the one your bank holds, an expired card, insufficient available credit, or a bank block on an unfamiliar merchant. Check those first, then contact your card issuer. We are not able to override a decline on our side.

8. Refunds and chargebacks

Refunds are always returned to the card used for the original payment, in United States dollars. Timing and conditions are set out in our Refund and Return Policy.

If you do not recognise a charge, please contact us at support@bjnicolsfurniture.com or (718) 381-9800 before opening a dispute with your bank. A chargeback takes several weeks and freezes the order, while a phone call usually resolves the same question the same day.

9. Security

This site is served over HTTPS and all payment data is encrypted in transit. We do not email or telephone customers to ask for card numbers, security codes or account passwords. If you receive a message claiming to be from us and asking for those details, do not reply to it, and please tell us at support@bjnicolsfurniture.com so we can look into it.