Your Browser is OutdatedWe accept several payment methods, including major credit and debit cards, and select digital payment options. Some payment methods may have additional eligibility requirements.
The questions below explain accepted payment methods and how payments are processed during checkout.
We accept:
- Credit & Debit Cards (Visa, MasterCard, American Express, Discover)
- PayPal
- Apple Pay / Google Pay
- Zelle
- Armabear Virtual Gift Cards
- Store Credit
Availability of certain payment methods may vary depending on the product and order type.
Yes! All transactions are encrypted and processed through secure payment systems.
Some orders may require additional verification to protect against fraud.
For most payment methods, we authorize your payment at checkout to confirm that your funds are available.
We do not collect payment until your item begins preparing for shipment.
If an item is canceled or unavailable, the authorization is released.
Depending on your bank, a pending authorization may appear for several business days before clearing. Please see your bank if you have questions regarding your pending authorization.
No. You are only charged when the item is ready to ship.
If an authorization appears for a backordered item, it will be released until shipment preparation begins.
A pending charge is an authorization request sent to your bank to confirm funds are available.
This is not a completed charge and typically clears within a few business days. If it remains longer, please contact your banking institution.
In most cases, yes, as long as the balance covers the full purchase amount. A prepaid gift card can be used just the same as a credit card payment. If it declines, it may be due to insufficient balance.
Some items are subject to payment policies and cannot be purchased using that method. If restricted, those options will not be available at checkout.
You may combine Store Credit or eGift Cards with a credit/debit card.
We cannot split a single order across multiple credit cards or between payment methods. Please contact us if you wish to pay using multiple payment methods.
Payment failures are often caused by:
- Incorrect billing information
- Expired card details
- Bank authorization restrictions
If your information is correct, try another payment method or contact your bank.
Enter your redemption code at checkout. If your purchase exceeds the balance, you can pay the difference with another payment method.
Store Credit can be issued for returns and applied on future orders. These do not expire and will automatically apply when selected at checkout.
To see how much you have in Store Credit, log in and use your My Account to view your Store Credit balance under payments.
Select items may be eligible to earn AB Rewards that can be used toward a future purchase once the eligible item ships.
Rewards are promotional and subject to program terms, including eligibility and expiration.
For full details, please review AB Policy and FAQ.
To pay with Zelle:
- Select recipient: zelle@armabear.com
- Enter amount
- Add order number and email address in "What is this for" section
- Add order number and email address in "Reason" section
Please note that Zelle payments are final. Approved refunds for Zelle transactions are issued as Store Credit.
To send a PayPal payment:
- Select recipient: sales@armabear.com
- Choose Pay for item or service
- Enter amount
- Add order number in the notes section
Due to PayPal's seller protection policies, we can only ship your order to the address confirmed within your PayPal account.
To pay with Apple Pay or Google Pay:
- Select Apple Pay or Google Pay at checkout
- Confirm your saved payment and shipping information
- Authorize the payment through your device
We can only ship your order to the address confirmed through Apple Pay or Google Pay. Availability may vary based on device, browser, or item eligibility.
Yes. Orders paid by check, money order, or wire transfer:
- Must clear before shipment
- May require additional processing time
Wire transfers include a $45 processing fee.
International payments must be in U.S. Dollars.
Place your order normally, then email your tax-exempt documentation and order number to sales@armabear.com. Once verified, sales tax will be removed or refunded.
To protect customers and prevent fraud, some orders require manual review.
If verification is needed, our team will contact you to confirm details so we can continue processing your order.
Our Customer Care team is happy to assist.
Please reach out to us by email at sales@armabear.com.