FAQ

How Deco Works

How do I use Deco?

Simply choose the Deco option at checkout and the shop will ship your items right away. Then you have 14 days to reimburse Deco for the order.

Does Deco charge me interest or fees?

Deco never charges interest, and there are no fees as long as you settle payment within 14 days. We give you until 14 days from your order date to make your repayment. After that, you'll be assessed a $7 late fee, followed by another $7 for every week you're late. Fees are capped at $21 to make sure we never put you in an unfair position.

Do I have to fill out an application to qualify for Deco?

Nope! If you’re given the option to use Deco at checkout, then you’re already pre-approved.

I want to pay with Deco. Where do I sign up?

Deco is only offered at checkout for eligible customers, after you tried to pay but your card didn’t go through. So there is no way to sign up in advance.

How does Deco make money?

We charge retailers a small fee whenever a shopper checks out using Deco. You complete your purchase at no additional cost while the retailer makes a sale. It’s a win-win ... win. Yes. Three wins.

Why can I only use Deco with some retailers?

Not all online stores have partnered with Deco (yet). If a store works with Deco, and you’re pre-approved, you’ll see the option at checkout after your card doesn’t go through. 

Shipping and Returns

I returned all or part of my purchase before settling with Deco. What happens now?

If you return all or part of a purchase before completing payment with Deco, the store notifies us and the charges are canceled. You don’t have to do anything else. Note that it can take up to 3 business days to process your return.

I returned all or part of my purchase after settling with Deco. What happens now?

If you return all or part of a purchase after completing payment with Deco, then we'll refund your payment via whichever payment method you chose. This can take up to 3 business days.

I haven’t received my order yet. What should I do?

After you check out using Deco, the store processes and ships your order.  Please contact the online store where you bought your goods  - they will be able to tell you the status of your order. 

When will my order ship?

After you check out using Deco, the store processes and ships your order.  Please contact the online store where you bought your goods  - they will be able to tell you the status of your order. 

My order never arrived. What should I do?

After you check out using Deco, the store processes and ships your order. Please contact the online store where you bought your goods  - they will be able to tell you the status of your order.

My order arrived damaged. What should I do?

If your order arrived damaged, please contact the online store where you bought your goods - they will assist you with next steps.

Paying Deco

When is payment due to Deco?

You have 14 days from the date of purchase to complete payment with Deco.

What methods of payment can I use?

Payments to Deco can be made via debit card, credit card, ACH bank transfer or wire transfer. 

What happens if I don’t pay Deco within 14 days?

We give you until 14 days from your order date to make your repayment. After that, you'll be assessed a $7 late fee, followed by another $7 for every week you're late. Fees are capped at $21 to make sure we never put you in an unfair position.

What is ACH, and how do I use it?

ACH stands for Automated Clearing House. It’s a simple method for making domestic US money transfers.
To complete your payment with ACH, just follow the prompts to supply your bank information. The information needed can easily be found on your banking website or one of your personal checks.

What do I do if my payment to Deco fails to go through?

Deco customers have 14 days to make payment. If your payment method fails, try another one to make sure you don’t get charged late fees!

My Deco Account

How do I create a Deco account to pay for my items?

Immediately after choosing to checkout using Deco, we sent you an email with a link to create an account. Just click the link and follow the instructions. If you can’t find that email, please contact us at support@decopayments.com

How do I access my Deco account?

Click here to log in to your Deco account. There you can see your transaction history, and complete any outstanding payments.

I forgot my Deco password. What should I do?

You can reset your password here

I can’t log in to my Deco account. What should I do?

You might be using the wrong password. First try resetting your password by clicking here
The other problem might be that you’re using the wrong email address. Make sure the email address you’re using to log in is the same as the account where you received the Deco sign up email.

How do I close my account?

Please contact us at support@decopayments.com to inquire about closing your account.

Do you have questions we didn’t answer? Contact us.