Payment Methods

Secure & Convenient Checkout at HLM Global LLC

At HLM Global LLC, we understand that a smooth, secure, and flexible checkout experience is crucial to your overall satisfaction. We have partnered with industry-leading payment service providers to offer you a variety of trusted, convenient, and ultra-secure payment options. This page details all the ways you can pay for your order, the security measures that protect your transaction, and answers to common payment-related questions.

I. Our Primary Payment Partner: Stripe

We have chosen Stripe as our exclusive payment processing partner for all transactions on hlmglobal.site. Stripe is a global leader in online payment infrastructure, trusted by millions of businesses—from startups to large enterprises—for its robust security, reliability, and seamless user experience.

Why We Trust Stripe (And Why You Can Too):

  • PCI DSS Level 1 Compliant: This is the highest level of certification in the payment industry. It means Stripe adheres to the most stringent standards for securing financial data.

  • Advanced Encryption: All sensitive payment information is encrypted end-to-end, both in transit and at rest.

  • Fraud Prevention: Stripe employs sophisticated machine learning models to detect and prevent fraudulent transactions in real-time, protecting both you and our business.

  • Global Reliability: Their infrastructure is built for 99.99%+ uptime, ensuring our checkout is always available when you are ready to shop.

  • Streamlined Experience: Stripe’s technology allows for fast, one-click payments and saved payment methods (with your explicit permission), making future purchases effortless.

Important Note: When you check out, you will be transacting directly with Stripe’s secure payment system. HLM Global LLC never sees or stores your complete credit card numbers or sensitive financial details on our servers. We only receive the information necessary to fulfill your order (e.g., billing name, address, last 4 digits of your card for reference).

II. Accepted Payment Options

Through our Stripe integration, we are pleased to accept the following payment methods:

1. Credit & Debit Cards

The most common and widely used payment method. We accept all major card networks.

  • Visa (Credit & Debit)

  • Mastercard (Credit & Debit)

  • American Express (Amex)

  • Discover

  • Diners Club

  • JCB

How it works: Enter your card number, expiration date, CVC (security code), and the name on the card. Stripe validates the information in seconds for a quick authorization.

2. Digital Wallets / Express Checkout

For the fastest checkout experience, we support leading digital wallets. These methods use the payment information you already have stored in your digital account, eliminating the need to manually enter card details.

  • Apple Pay: Securely pay using your iPhone, iPad, Apple Watch, or Mac. Authenticate with Face ID, Touch ID, or your passcode. (Available on Safari browser and iOS/macOS devices).

  • Google Pay: A fast, simple way to pay on the web using the payment methods saved to your Google Account. (Available on Chrome and Android devices).

  • Link by Stripe: Stripe’s own one-click checkout solution. You can save a payment method (with your permission) during checkout and use it across any Stripe-enabled merchant for a faster purchase next time.

Benefits of Digital Wallets:

  • Speed: Check out in just a few taps or clicks.

  • Security: Your actual card number is never shared with the merchant. A unique “token” is used for the transaction.

  • Convenience: No need to hunt for your wallet or remember card numbers.

3. Additional Secure Payment Methods (Via Stripe)

Depending on your region and Stripe’s evolving offerings, you may also see other localized or alternative payment options at checkout, which could include:

  • ACH Direct Debit (For US bank accounts – coming soon)

  • Regional Bank Transfer Options

The availability of these specific options will be clearly displayed at checkout based on your location and Stripe’s capabilities.

III. Step-by-Step: The Secure Checkout Process

Understanding the process can give you confidence in its security.

  1. Add to Cart & Proceed: After selecting your items, click the cart icon and select “Proceed to Checkout.”

  2. Enter Details: Fill in your shipping and contact information.

  3. Choose Payment Method: On the payment page, select your preferred method (Credit/Debit Card, Apple Pay, Google Pay, etc.).

  4. Secure Authentication:

    • For Cards: You will enter your details into Stripe’s secure, hosted payment field (you’ll see a subtle change in the browser frame to indicate this). The lock icon (🔒) and “https://” in your address bar confirm a secure connection.

    • For Digital Wallets: A pop-up from your wallet (Apple/Google) will appear for you to authenticate using your device’s security (biometrics, password, etc.).

  5. Authorization: Stripe communicates with your bank/card issuer in milliseconds to authorize the transaction. Your bank may send a one-time passcode (3D Secure) for an extra layer of verification—this is normal and enhances security.

  6. Confirmation: Upon successful authorization, you will be redirected to an order confirmation page on our site, and you will receive an order confirmation email from HLM Global LLC. Your payment method will be charged at this time.

IV. Payment Security & Data Protection FAQ

Q1: Is it safe to enter my credit card on your site?
A: Absolutely. We do not process payments directly. All payment data is handled by Stripe, a PCI DSS Level 1 certified provider. This is the same level of security used by major banks. Your full card details are never stored on our servers.

Q2: What is PCI DSS Compliance?
A: The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that ALL companies that accept, process, store, or transmit credit card information maintain a secure environment. Stripe’s Level 1 compliance is the highest attainable.

Q3: Why was I asked for an additional verification code (3D Secure)?
A: This is an added security layer called “Strong Customer Authentication” (SCA), often required by European and other banks. It redirects you to your bank’s page to enter a one-time code (sent via SMS or generated by your bank’s app). This step ensures that you are the legitimate cardholder. Please complete this step to finalize your payment.

Q4: Can I save my payment information for future purchases?
A: Yes, but only with your explicit consent. At checkout, you may be given the option to “Save this card for future purchases.” If you agree, Stripe stores a secure token associated with your HLM Global LLC customer account. We only see a reference (e.g., “Visa **** 1234”). You can manage or delete saved payment methods in your “My Account” section.

Q5: What currency are charges processed in?
A: All transactions are processed in US Dollars (USD). If you are using a card from another country, your bank will handle the currency conversion and may apply a foreign transaction fee. Please check with your bank for their specific policies.

Q6: My payment was declined. What should I do?
A: A decline is initiated by your bank/card issuer, not by us. Common reasons include:
* Insufficient funds.
* The transaction triggered your bank’s fraud protection (common for first-time online purchases or large orders).
* Incorrect CVV code or expiration date entered.
* Your card is not enabled for international/online transactions.
Action: First, double-check the card details. Then, contact your bank’s customer service to authorize the transaction. You can then try again.

Q7: When will my card be charged?
A: Your payment method is authorized and charged at the moment you place your order. This allows us to immediately secure your items and begin processing. For pre-orders or backorders, we will clearly communicate any different charging timelines.

Q8: Do you store any of my payment information?
A: We store only the minimal, non-sensitive data required for order processing and customer service: the billing name, billing address, and the last 4 digits of your card number. Your full card number, CVC, and expiration date are never accessible to our team.

V. Billing Descriptor & Transaction Statements

  • What you will see on your statement: Charges from HLM Global LLC will appear on your bank or credit card statement as “HLM GLOBAL LLC” or a very similar variant.

  • Keeping records: Your order confirmation email is your official receipt from HLM Global LLC. You can also access and download invoices from your “My Account” > “Orders” section on our website.

VI. Our Commitment to Transparent Pricing

  • No Hidden Fees: The price you see on the product page is the item price. At checkout, you will see a clear breakdown of:

    • Subtotal (item prices)

    • Shipping cost (calculated based on your address)

    • Applicable sales tax (calculated automatically based on your shipping address and local regulations)

    • Grand Total – This is the final amount that will be charged to your payment method.

  • Sales Tax: We are required to collect sales tax in states/jurisdictions where we have a tax nexus, as defined by law. The tax calculator automatically applies the correct rate.

VII. Need Help With a Payment Issue?

If you encounter a persistent payment problem:

  1. First, ensure your card details are correct and you have sufficient funds/credit.

  2. Second, contact your bank to ensure they are not blocking the transaction.

  3. Finally, if the issue remains, contact our customer service at danny@hlmsg.com. Please provide your name, the email used for the order, and a description of the error message you received.

We do not have access to view or fix bank-side declines, but we can help troubleshoot from our end and provide transaction references for your bank.

Your trust is our most valuable asset. By leveraging Stripe’s best-in-class technology, we ensure that your financial data is protected with the highest standards of security in the industry. This allows you to focus on what matters: finding the perfect products for your garden and home.

Shop with confidence at HLM Global LLC.