Here’s a comprehensive and up‑to‑date explanation of what payment methods the Chrome Hearts official online store (chromhearts.us) accepts, how they’re processed, and what you should know before completing a purchase.

1. Accepted Payment Methods

As of January 18, 2025, Chrome Hearts USA lists the following payment options on its official site

• Credit cards: Visa, MasterCard, American Express, Discover

• Debit cards: Visa Debit and MasterCard Debit

• PayPal: via PayPal account or PayPal guest checkout (credit/debit through PayPal)

• Apple Pay: fast and secure, supported on compatible devices

• Google Pay: mobile and desktop checkout supported

• Shop Pay: Shopify’s accelerated checkout solution with saved payment details for future use

These methods are confirmed elsewhere in the FAQs section ("We accept … Credit Cards (Visa, MasterCard, Am.rican Express); Debit Cards (Visa Debit, MasterCard Debit); PayPal; Apple Pay; Google Pay; Shop Pay") ch

2. Payment Processing & Security

• All transactions are in U.S. dollars, even for international orders; your bank or card issuer handles currency conversion at prevailing exchange rates

• Payment processing is secured using SSL encryption, routed through trusted payment processors to ensure personal and payment data protection 

• Your payment must be authorized and received in full before the order is processed, including holds from banks or PayPal. Any decline or hold is your responsibility to resolve 

3. Buy Now, Pay Later (BNPL)

While Chrome Hearts does not list a BNPL option on its own payment page, the financing service Zip (formerly Quadpay) does support Chrome Hearts purchases, both online and in-store in the U.S. With Zip, you can split your purchase into four installment payments over six weeks, subject to credit approval and interest/fees per Zip’s terms.

However, Zip is not directly integrated by Chrome Hearts; rather, customers use the Zip app or browser extension during checkout if eligible. If you’re interested in BNPL financing, using Zip could be an option, though it’s managed through Zip’s system—not the Chrome Hearts payment menu.

4. Refunds, Returns & Store Credit

Important distinctions:

• Purchases made online (via chromhearts.us) can be returned or refunded, with funds credited back to your credit or debit card within about 10 business days of receipt and validation by Chrome Hearts Customer Service In-store purchases cannot be refunded or exchanged via the website, and store associates cannot process refunds or reimbursements for online orders 

• Chrome Hearts does not issue store credit or electronic credit usable online—it must be refunded to the original card used for purchase 

This also underscores that each payment method you select is tied to how refunds will be handled.

5. Summary Table

6. Things to Keep in Mind

• Currency & international fees: All orders are in USD; customers outside the U.S. should check with their ba

• Card authorization: Chrome Hearts requires full payment authorization before shipping; if your card is declined or on hold, contact your bank promptly

• Promotion codes: At checkout, you can enter only one promo code per order; codes must be entered accurately without extra spaces; only one allowed per transaction

• Refunds & replacements: Only exact replacements or refunds to the original card are permitted; items must be in perfect condition with packaging; returns outside of eShopWorld for international shipping are generally final

7. In‑Store Payment Methods

If you’re purchasing from a physical Chrome Hearts retail location, the online payment page may not fully reflect in-store policies. In-store acceptance likely mirrors online card options (Visa, MasterCard, AmEx, Discover, Apple Pay, etc.), but for any alternative payment method (e.g. PayPal or Shop Pay), you would typically need in-store hardware or staff support. Chrome Hearts has stated that in-store purchases cannot be returned or refunded via the website—only the store where purchased would handle such cases 

8. An Illustrative Customer Journey

Let’s imagine you’re in Pakistan ordering online:

• Step 1: Shop on chromhearts.us and choose items.

• Step 2: At checkout select Visa/MasterCard, Apple Pay, Google Pay, PayPal or Shop Pay.

• Step 3: Complete payment—your bank will convert the USD total into PKR with possible fees.

• Step 4: Order confirmation email is sent after payment is received.

• Step 5: If items arrive and you wish to return, contact customer service within guidelines; refunds go back to your card over approximately 10 business days.

Alternatively, if using Zip, you would need to:

• Install the Zip app or Chrome extension,

• Add items at Chrome Hearts checkout,

• Choose Pay with Zip, then pay in 4 installments as managed by Zip’s platform (interest/fees apply).
  Note: Make sure Zip supports international cards or shipping region before relying on it.

9. Key Footnotes & Sources

• The list of accepted payment methods and details is pulled directly from Chrome Hearts’ official Payment Option – Chrome Hearts US page, effective January 18, 2025 p.

• The FAQ page corroborates the exact payment options accepted at checkout Refund and returns limitations, plus store credit policies, are clearly outlined in general FAQ and terms documents 

• Zip payment information (BNPL) comes from Zip’s site referencing Chrome Hearts acceptance—they support split payments over 4 installments Zip.

10. Conclusion

In short: Chrome Hearts US accepts major credit/debit cards (Visa, MasterCard, American Express, Discover), PayPal, Apple Pay, Google Pay, and Shop Pay. Transactions are processed securely in USD, and refunds or returns (if eligible) are credited back to the original payment method—store credit is not offered. There’s also an option to use Zip BNPL via the Zip platform though it's not part of the native Chrome Hearts checkout.

If you’re planning to purchase from abroad (like in Pakistan), just choose your preferred method—whether Visa card, PayPal, or a mobile wallet—and be aware of currency conversion and refund procedures. Need any help applying these or with specific payment hurdles? Feel free to ask!