Payment Policy

This Payment Policy explains how rental payments, deposits, billing, and payment issues are handled at XFurniture.

1. Monthly Rental Billing

All rental payments are charged on a monthly subscription basis.

Payments are processed through a third-party payment provider (subscription / recurring billing system) integrated with our website.

By placing an order, you authorize automatic monthly charges according to your selected rental plan.

2. First Payment & Deposit

The first payment at checkout will be treated as:

  • Initial rental payment

  • Order confirmation deposit

This payment secures your furniture and confirms your rental order.

3. Payment Processing (Third-Party System)

Since payments are handled by external billing providers, the system may occasionally experience issues.

Customers may encounter:

  • Payment failure due to expired card

  • Subscription not updated after plan changes

  • Duplicate or delayed charges

  • Unexpected renewal charges

4. Payment Issues & Support

If any of the following occurs, please contact us immediately:

  • Charging continues after rental has ended

  • Card payment fails or is declined

  • Subscription not updated after return or cancellation

  • Incorrect billing amount

XFurniture will:

  • Review order records

  • Coordinate with payment provider

  • Correct or refund confirmed errors

5. Failed Payments

If a payment fails:

  • The system may retry automatically

  • Service may be paused or flagged

  • Customer may be contacted for updated payment method

Customers are responsible for keeping payment details valid.

6. Rent-to-Own Conversion Payment

Customers may convert rental items into ownership at any time.

When converting:

  • 80% of total paid rental fees are credited toward purchase value

  • Remaining balance must be paid to complete ownership transfer

Example:
If item value = S$1,000
Paid rental = S$300
Credit applied = S$240
Remaining = S$760

7. Important Notes

  • Payments are subscription-based and processed automatically

  • Refunds or corrections require manual review

  • Billing may continue until cancellation is confirmed in system

8. Contact Support

For any payment-related issue, contact XFurniture customer service for assistance.