What is Deco?

Deco is a simple payment option available to online shoppers at multiple storefronts. Choose to pay with Deco and you’ll be eligible to get your order shipped right away with the option to pay for half of it later – in case your card is declined at checkout.

How do I use Deco?

Deco is offered to shoppers who happen to experience a payment decline at checkout. You’ll receive a pop-up asking you to re-enter your payment details and you can pay us back later.

Does Deco charge me interest or fees?

Not at all! Deco does not charge interest. However, if you don’t pay on time late payment fees may apply.

Do I have to fill out an application to qualify for Deco?

If you’re offered to pay with Deco at checkout, that means you’ve automatically been pre-approved. We don’t need any applications or additional information from you.

Can I sign up to Deco before I make a purchase?

No need to sign up! Deco is only offered to customers who tried to pay online but their cards didn’t go through.

Does Deco perform credit checks?

Deco does not perform credit checks of any kind, not even soft ones. Yay!

Where can I see my order details and manage payments?

You can access your personal account with Deco to review and manage your payments. Please log in here to view your order details or pay the remainder of your balance.

How does Deco make money?

We charge retailers a small fee whenever a shopper checks out using Deco. You complete your purchase at no additional cost while the retailer makes a sale. It’s a win-win … win. Yes. Three wins!

Why can I only use Deco with some retailers?

Not all online stores have partnered with Deco (yet). If a store works with Deco, and you’re pre-approved, you’ll see the option at checkout after your card doesn’t go through. 

What if I’m unable to make the payment on the scheduled date?

  1. We advise you to make sure an active credit/debit card is linked to your Deco account so we will be able to charge you on time.
  2. Pay attention to notices sent by Deco to the email address you provided at checkout. That is how we will keep you up to date on your payment status.
  3. Please reach out to customer service ahead of time and tell us when you expect to make the payment.


I returned my order but didn’t get a refund yet. What should I do?

Deco is notified by the online store on all refunds. It may take a few days for the goods to get shipped back, but once the returned items are processed by the store and approved for refund, Deco is notified and begins processing your refund.

Note that it can take up to 3 business days to process your refund from the point the online store notifies Deco. In some cases, your refund will appear as several separate transactions on your statement.

I returned all or part of my purchase before settling with Deco. What happens now?

If you return all or part of a purchase before completing payment with Deco, the store notifies us and the charges are canceled. You don’t need to do anything else.

I returned all or part of my purchase after settling with Deco. What happens now?

If you return all or part of a purchase after completing payment with Deco, we’ll refund the payment method you used to pay Deco for your order.

How do I cancel my order?

Order cancellation is done through the online store where you purchased your goods. So if you cancel your order, Deco will not charge you or make sure you are fully refunded in case your cancellation was approved after you had been charged.

My order hasn’t arrived yet. There seems to be a delay in shipment… What should I do?

After you check out using Deco, the store processes and ships your order. Please contact the online store where you purchased your goods – they will be able to update your order’s status.

My order arrived damaged. What should I do?

If your order arrived damaged, please contact the online store where you bought your goods – they will assist you with next steps.

What happens if I cancel an order but have been charged by Deco?

We advise you to check the store’s cancellation policy. If you cancel your order, the store will notify us and we will send you a refund update right away.


How does ‘Pay Half Now, Half Later’ work?

If your card is declined at checkout, you can use Deco to pay for half the order now, and schedule the remaining payment up to 14 days later. Your goods will be shipped right away and your card will be automatically charged on the selected date.

What payment methods can I use?

Payments to Deco can be made via debit cards or credit cards.

Does Deco charge late fees?

If you miss the payment deadline with Deco you’ll be charged a $7 late fee. You will be charged another $7 for every week that you’re late on payment. Fees are capped at $21 to make sure we never put you in an unfair position.

What should I do if my payment on the scheduled date was unsuccessful?

Deco customers have 14 days to complete their payment. If your payment method fails, try another one to make sure you don’t get charged late fees! You can update your payment method at any stage by logging in to your account


How do I create a Deco account to pay for my order?

Well… we created one for you! Anytime you choose to pay with Deco, you’re given access to a personal account linked to your order number and the email address you used at checkout.

How do I access my Deco account?

Click here to log in to your Deco account. You’ll be able to view your payment status and easily complete any outstanding payments.

I forgot my Deco password. What should I do?

You can reset your password here.

I can’t log in to my Deco account. What should I do?

  1. Make sure the email address you’re using to log in is the same one you used when making your purchase
  2. You might be using the wrong password. Try resetting your password here.
  3. If you are still unable to access your account please contact our team at

How do I close my account?

Please contact us at to inquire about closing your account.

Do you have questions we didn’t answer? Contact us.