Payment & Billing

Iron Horse Trading Post aims to provide a clear and reliable checkout experience. Payment and billing information submitted through the website is used to process transactions, verify orders, prevent unauthorized activity, and support order fulfillment.

Customers are responsible for providing accurate and complete billing information at checkout. Incorrect, incomplete, or unverifiable payment details may delay processing or result in an order being declined or cancelled.

Accepted Payment Methods

Available payment methods are displayed during checkout and may change depending on order type, transaction value, payment provider availability, verification requirements, or other operational factors.

A payment method shown on a previous order is not guaranteed to remain available for future purchases.

Orders are not considered ready for fulfillment until the required payment has been successfully received, authorized, or otherwise confirmed.

Payment Authorization

When an order is submitted, the payment provider may perform authorization, security, fraud-prevention, or verification checks before approving the transaction.

Iron Horse Trading Post reserves the right to place an order on hold, request additional information, decline a transaction, or cancel an order where payment cannot be verified or where suspicious or unauthorized activity is reasonably suspected.

Billing Information

Customers must provide accurate billing information that corresponds with the payment method being used.

Billing details may include your name, billing address, contact information, and other information required by the applicable payment processor.

If billing information changes after an order has been submitted, contact us as soon as possible. Changes may not be possible once payment processing or fulfillment has begun.

Payment Processing

Payments may be processed by independent third-party payment providers. These providers may collect and process payment information according to their own security procedures, privacy policies, and terms.

Iron Horse Trading Post may not directly receive or store complete payment card information when payment details are handled through an external processor.

Currency

Unless otherwise indicated during checkout, prices on the Iron Horse Trading Post website are displayed in Canadian dollars (CAD).

If a payment method or financial institution performs a currency conversion, additional exchange-rate differences, conversion charges, or bank fees may apply. These charges are determined by the customer’s financial institution or payment provider and are outside our control.

Taxes & Additional Charges

Applicable taxes, shipping charges, service fees, or other required charges may be calculated and displayed during checkout where applicable.

The final amount shown before order submission should be reviewed carefully before payment is completed.

Pricing

Product prices, discounts, promotions, and other website pricing may change without prior notice.

We make reasonable efforts to keep pricing accurate, but typographical, technical, promotional, or system errors may occasionally occur.

If an obvious pricing or calculation error affects an order, Iron Horse Trading Post may correct the error and contact the customer before fulfillment. Where appropriate, we may cancel the affected item or order and issue a refund for any amount already collected.

Promotions & Discount Codes

Promotional codes, sale pricing, store credits, and other discounts may be subject to expiry dates, product exclusions, minimum purchase requirements, usage limits, account restrictions, or other conditions.

Unless specifically stated otherwise, multiple promotions or discount codes may not be combined.

Discounts cannot normally be applied retroactively after an order has been completed.

Order Confirmation

After an order is submitted, you may receive an order confirmation by email or through your account.

An order confirmation acknowledges that we received your order. It does not necessarily mean that payment verification, inventory confirmation, or final fulfillment approval has been completed.

Iron Horse Trading Post may contact you if additional information is required before the order can proceed.

Failed or Declined Payments

A transaction may be declined because of insufficient funds, incorrect billing information, payment-provider restrictions, verification requirements, security screening, technical issues, or other reasons determined by the payment provider.

If payment is unsuccessful, the order may remain unpaid, be placed on hold, or be cancelled.

Customers should contact their payment provider or financial institution directly if they require information about a decline that originates from that provider.

Pending Charges & Authorization Holds

In some cases, a bank or payment provider may display a temporary authorization or pending transaction even when an order has not yet been fully completed.

The release or adjustment of an authorization hold is generally controlled by the customer’s bank or payment provider. Processing times may vary between institutions.

Duplicate or Incorrect Charges

If you believe you have been charged incorrectly or see an unexpected duplicate transaction, please contact us with your order number and relevant transaction information.

We will review available order and payment records and assist where the issue relates to a transaction processed through Iron Horse Trading Post.

Refunds

Refund eligibility is governed by our Return Policy and any other applicable order terms.

If a refund is approved, it will generally be returned through the original payment method where possible.

After we process an approved refund, the time required for the funds to appear may depend on the payment provider, bank, financial institution, or original transaction method.

Chargebacks & Payment Disputes

If you have a concern regarding an order or transaction, we encourage you to contact Iron Horse Trading Post before initiating a payment dispute so we have an opportunity to review and resolve the issue.

Where a chargeback, payment reversal, or formal dispute is opened, we may provide relevant transaction, order, delivery, and communication records to the applicable payment provider as part of its review process.

Payment Security

We use reasonable operational and technical measures intended to support secure checkout and payment processing.

Customers are also responsible for protecting their account credentials, payment information, devices, and email accounts from unauthorized access.

If you believe your Iron Horse Trading Post account or an order has been used without authorization, contact us promptly.

Changes to Payment Terms

Iron Horse Trading Post may update available payment methods, billing procedures, verification requirements, or this Payment & Billing policy as our services and operational requirements change.

The current version of this policy will be published on this page.

Billing Support

If you have questions about an order, payment, refund, or billing issue, please contact:

Iron Horse Trading Post
Email: info@irontrading.ca