Payment Options and Procedures
We accept American Express, MasterCard, Visa, and Discover as credit card payment. Additionally, we accept payment through the PayPal and Amazon Pay payment gateways, as well as payment financing with Affirm. Capitol Lighting's 1800lighting.com only bills its customers for the amount of the items that have actually shipped.
When checking out directly through Capitol Lighting's 1800lighting.com checkout system, Capitol Lighting DOES NOT bill its customers at the time of purchase. Rather, 1800lighting.com will "authorize" the amount of your purchase with the issuing bank of your credit or debit card. That is, upon placing your order, 1800lighting.com will verify that the amount of your purchase is available against your current credit line or checking account.
Payment by Credit Card
Upon placing your order with Capitol Lighting's 1800lighting.com with a credit card, the full amount of the purchase will be "authorized." That is, this amount is held against your line of credit, though not actually collected (or "captured") for the period of not more than 30 days. Should the production or availability of the first item(s) on your purchase dictate that items not ship within this 30 day period, the original authorization will expire and the remaining uncollected payments on your order will be reauthorized for another 30 days.
Subsequently, when items ship after this period, the amount of the items to ship will be billed as they ship.
Payment by Debit Card
Upon placing your order with Capitol Lighting's 1800lighting.com with a debit or checking card, the full amount of the purchase, again, will be "authorized" against your checking account. Please be advised that, while your bank statement may indicate that the full amount of the purchase has been charged against your checking account, Capitol Lighting absolutely does not bill its customers for merchandise that has not shipped.
Payment by Check or Wire Transfer
Capitol Lighting's 1800lighting.com will accept payment in the form of a check or wire transfer, though these purchases must be completed by phone only. For purchases paid by check or wire transfer, in stock items will not be shipped, and special order items will not be ordered from the respective manufacturers, until the check has cleared. There will be no exceptions to this policy.
Payment by PayPal and Amazon Pay
Capitol Lighting is happy to offer convenient payment options through PayPal and Amazon Pay. If you choose to checkout using your PayPal account, the full amount of the purchase will be charged to you at the time your order is placed. Further, for such orders, Capitol Lighting does not have the ability to add to or otherwise modify your order that would bring the total order value above the original purchase total. Should an adjustment be required for your order that would bring the total value of the order below the original purchase total, the difference will be automatically refunded to your PayPal or Amazon Pay account.
Payment Financing through Affirm
Buy the lighting and decor you’ve always wanted and pay for it later. Capitol Lighting’s 1800lighting.com has partnered with Affirm to allow you to finance your purchase with no hidden fees. The total you see at checkout will always be what you pay. You can Select 3, 6, or 12-month payments with rates from 10-30% APR. All you have to do is select AFFIRM at Checkout.
Subject to credit check and approval. Example payment $33.33 per month based on purchase price $200.00 at 0% APR over 6 months. Rates may vary from 0-30% APR based on your creditworthiness. Actual rates shown at checkout. Down payment may be required. For purchases under $100, limited payment options are available. Credit check required, though checking your eligibility won't affect your credit score. Previous purchases are ineligible for offer. Affirm loans are made by Cross River Bank, a New Jersey-chartered bank, Member FDIC. For US customer only. Please see www.affirm.com/faqs for more details.