Payment Policy

Comu offers several secure payment options to make checkout more convenient. Available payment methods may vary based on your location, currency, order amount, product eligibility, device, and the payment provider’s requirements.

1. Accepted Payment Methods

Depending on availability at checkout, Comu may accept:

• Eligible credit and debit cards;
• Apple Pay;
• Google Pay;
• Amazon Pay;
• PayPal;
• Shop Pay and eligible Shop Pay installment options;
• Klarna;
• Affirm;
• Afterpay; and
• Buy with Prime for eligible products and customers.

The payment methods displayed at checkout are the methods currently available for your order. Certain payment options may appear only for eligible countries, currencies, devices, browsers, products, or order amounts.

Based on availability at checkout, Comu may accept Visa, Mastercard, American Express, Discover, Diners Club, Elo, JCB, UnionPay, and other eligible card networks displayed during checkout.

Card availability depends on your country, billing address, currency, card issuer, and Shopify’s payment configuration. Your bank may require additional authorization or identity verification before approving the payment.

If a payment is declined, confirm that your card details, billing address, available balance, and online or international payment permissions are correct. You may also contact your card issuer for assistance.

3. Digital Wallets

Depending on your device, browser, location, and account eligibility, checkout may offer Apple Pay, Google Pay, Amazon Pay, or PayPal.

Digital wallet transactions use the payment and billing information saved with the selected provider. You may be required to sign in or verify the payment before completing the order.

3.1 Apple Pay

Apple Pay may be available on supported Apple devices and browsers when you have an eligible card added to Apple Wallet. Availability is determined by Apple, your card issuer, your location, and the checkout configuration.

3.2 Google Pay

Google Pay may be available on supported devices and browsers when an eligible payment method is saved to your Google account. Availability is determined by Google, your card issuer, your location, and the checkout configuration.

3.3 Amazon Pay

Amazon Pay allows eligible customers to use payment and address information stored in their Amazon account. Availability and transaction approval are subject to Amazon’s applicable requirements.

Where available, PayPal allows you to complete payment using an eligible payment method associated with your PayPal account. PayPal may require account authentication or additional transaction verification.

Shop Pay provides an accelerated checkout experience by securely storing eligible payment and shipping information, allowing customers to complete future purchases more quickly.

Where available, Shop Pay may allow you to pay in full or select an installment option. Eligibility, payment schedules, financing costs, and other terms are determined by the applicable provider and will be displayed before the order is completed.

Klarna may allow eligible customers to pay immediately, pay later, or divide a qualifying purchase into installments. Available options depend on your location, currency, order amount, and Klarna’s eligibility assessment.

Klarna is responsible for approval decisions, payment schedules, installment collection, and applicable financing charges or fees. Review the terms presented by Klarna before confirming your purchase.

For more information about Klarna, including customer support and account assistance, visit its official website.

Affirm may allow eligible customers to divide a qualifying purchase into scheduled payments. Available plans, payment amounts, annual percentage rates, and repayment periods vary and are determined by Affirm.

Selecting Affirm does not guarantee approval. Affirm will display the applicable payment and financing terms before you agree to the payment plan.

For more information about Affirm, including account support and contact details, visit its official website.

Afterpay may allow eligible customers to divide a qualifying purchase into scheduled payments. Availability depends on your location, currency, order amount, and Afterpay account eligibility.

Afterpay manages approval, payment schedules, installment collection, and any applicable fees. Review the terms displayed by Afterpay before completing your purchase.

For more information about Afterpay, including payments, refunds, account assistance, and contact details, visit its official website.

8. Buy with Prime

Eligible Amazon Prime members in the United States may use Buy with Prime to purchase selected Comu products. Eligible products will display the Buy with Prime button and an estimated Prime delivery date.

When you select Buy with Prime, you will be asked to sign in to your Amazon account and review the payment method and shipping address associated with that account. Buy with Prime payments are generally processed through Amazon Pay.

Amazon.com Gift Cards and Amazon promotional credits generally cannot be used for Buy with Prime purchases made through the Comu Store. Buy with Prime does not currently support Comu subscriptions or recurring payments.

9. Installment Payment Eligibility

Klarna, Affirm, Afterpay, and eligible Shop Pay installment services are provided by independent third-party providers. Comu does not make credit or financing eligibility decisions and cannot guarantee approval.

Availability may depend on your location, order value, account history, payment information, product eligibility, and the provider’s requirements. Available plans and applicable terms will be displayed at checkout.

10. Currency, Taxes, and Additional Charges

Order totals are displayed in the currency shown at checkout. Your bank or payment provider may separately apply currency-conversion fees, cross-border fees, interest, late fees, or other charges under its own terms.

Applicable taxes, shipping charges, and discounts will be displayed before you submit the order. Comu is not responsible for fees separately charged by your bank, card issuer, wallet, or installment provider.

11. Payment Authorization and Pending Charges

When an order is submitted, your payment method may be authorized before payment is fully captured. A pending authorization does not necessarily represent a completed charge.

If an order is cancelled or payment is unsuccessful, the authorization may remain visible temporarily. The time required to release it is determined by your bank or payment provider.

12. Payment Security

Transactions are processed through Shopify and the payment provider selected at checkout. Comu does not directly receive or store your complete credit or debit card number.

Payment providers may use authentication, identity verification, fraud screening, and other security measures. An order may be delayed, cancelled, or subject to additional verification if potentially unauthorized or fraudulent activity is detected.

13. Cancellations and Refunds

Order cancellations, returns, and refund eligibility remain subject to the applicable Comu Return & Refund Policy. Selecting an installment payment method does not change a product’s return eligibility.

If a refund is approved, Comu will submit it through the original payment channel. The provider will determine how the refund affects your installment schedule, outstanding balance, or payments already completed.

Processing times vary by provider and financial institution. Refunds cannot be issued to a different card, wallet, account, or payment method.

14. Failed, Duplicate, or Unauthorized Payments

If a payment fails, confirm that your payment details, billing address, available balance, and provider account information are correct. You may retry using another payment method displayed at checkout.

If you believe you were charged more than once, did not receive the purchased benefit, or notice an unauthorized transaction, contact support@comu.com with your order number and relevant transaction information. Do not send your complete card number, security code, or account password.

15. Third-Party Payment Terms

Shop Pay, Apple Pay, Google Pay, PayPal, Klarna, Affirm, Afterpay, Amazon Pay, and Buy with Prime are operated by independent third parties. Your use of these services is also governed by the provider’s terms, privacy policy, eligibility requirements, and payment agreement.

Comu cannot modify a provider’s approval decision, installment schedule, financing charge, late fee, account restriction, or other provider-controlled requirement.

16. Contact Us

For questions about a Comu order or payment issue, contact support@comu.com. For financing approval, installment schedules, or payment-provider account management, contact the applicable provider directly.

All payment marks are trademarks of their respective owners. Payment method availability and terms may change without notice.