Payment Terms & Conditions

Credit & Debit Cards

Customers may pay using eligible credit or debit cards supported by our authorized payment gateway, including Visa, Mastercard, American Express, and JCB, subject to payment provider acceptance.

Card transactions are subject to authorization, verification, fraud screening, and approval by the issuing bank and payment processor. Furniture Manila reserves the right to request an alternative payment method if a transaction cannot be verified or is declined by the payment provider.

Bank Transfer / Bank Deposit

Customers may settle their orders through bank transfer or deposit using Furniture Manila’s authorized company bank accounts. Supported banking channels may include BDO, BPI, China Bank, Asia United Bank, and Metrobank, subject to the current payment instructions provided during checkout.

After placing an order and selecting Bank Transfer, customers will receive the applicable payment instructions. Payment must be made to the designated account, and the transaction details must correspond to the order being settled.

Bank transfers are subject to actual receipt and verification of funds. Screenshots, transfer confirmations, or deposit slips may be requested for reference but do not automatically constitute final payment verification.

E-Wallets & QR Payments

Selected electronic payment channels may be available during checkout, including GCash, QR Ph, AUB PayMate, WeChat Pay, Alipay, and ShopeePay, depending on the current payment gateway configuration.

Transactions are subject to the limits, authorization requirements, and processing procedures of the selected payment provider. Customers should ensure that the transaction has been completed successfully before attempting another payment.

Installment & Financing Options

Eligible customers may avail of installment or financing arrangements through participating payment providers, including BDO installment facilities and other financing services displayed during checkout.

Installment approval, repayment periods, interest charges, service fees, and eligibility requirements are determined by the issuing bank or financing provider. Furniture Manila does not independently approve financing applications or control the provider’s credit decisions.

Cash on Delivery (COD)

Cash on Delivery is available only for selected products and serviceable locations within Metro Manila, subject to eligibility requirements and checkout availability.

COD is generally limited to qualifying orders of up to ₱10,000. Made-to-order products, mattresses and other bedding products, appliances, and certain other merchandise are not eligible. Additional conditions may apply to products requiring supplier transfers or special preparation.

View Cash on Delivery Guidelines

Step 1 — Place Your Order

Customers select their merchandise, enter the required billing and delivery information, choose an available payment method, and complete checkout through the Furniture Manila website. An automated order acknowledgment is sent to the registered email address.

Step 2 — Complete Payment

Customers complete payment using their selected method. For bank transfers and other manually verified transactions, additional payment details or proof of transfer may be required.

Step 3 — Payment Verification

Furniture Manila verifies the payment through the applicable banking or payment processing channel. An order will be considered paid only when the transaction has been successfully confirmed and recorded in our order management system.

Step 4 — Order Processing

Once payment has been verified, the order proceeds to inventory confirmation, supplier coordination when applicable, merchandise preparation, and fulfillment scheduling. Processing and delivery lead times follow the applicable product availability and delivery policies.

Five-Day Payment Deadline

Payment for pending orders must generally be completed within five (5) days from checkout. Orders without confirmed payment after this period may be automatically cancelled without further notice.

Submitting an unpaid order does not guarantee indefinite stock reservation or price protection. Merchandise availability, promotions, and selling prices may change before payment confirmation.

Deposit Requirements

Where a deposit arrangement is permitted, customers may be required to pay an initial amount before the order can be processed. For certain eligible orders, a minimum deposit of 50% may be required, subject to the specific payment terms provided during checkout or order confirmation.

Outstanding Balance

Unless a different arrangement has been expressly approved, the remaining balance must be fully settled and verified before delivery scheduling or merchandise release. Customers are responsible for completing the balance payment within the agreed payment period.

Effect on Delivery Scheduling

Orders with outstanding balances may experience additional scheduling delays while payment coordination and verification are being completed. Customers seeking faster fulfillment are encouraged to settle their orders in full to avoid unnecessary interruptions in processing and delivery arrangements.

Proforma Invoice for Internal Approval

Corporate customers requiring a formal document for purchasing approval may generate a Proforma Invoice through our website by selecting their preferred products, proceeding to checkout, and choosing Bank Transfer as the payment method. No immediate payment is required to generate the Proforma Invoice.

Proforma Invoices are generally valid for seven (7) days, subject to product availability, pricing adjustments, and other applicable conditions.

Purchase Orders

Corporate customers who are unable to complete checkout through our website may submit an official Purchase Order containing the selected merchandise, quantities, agreed prices, and complete billing and delivery information. Furniture Manila may encode the corresponding order into our website order management system.

Submission or acknowledgment of a Purchase Order does not automatically constitute payment confirmation. Orders remain subject to the applicable payment requirements and Furniture Manila’s Terms and Conditions.

Credit Terms

Furniture Manila generally operates on an advance-payment basis and does not automatically extend credit terms, post-delivery payment arrangements, or payment upon completion. Any exception must be expressly approved in writing by authorized management before the order is processed.

Full Payment Before Dispatch

Provincial orders must be fully paid and verified before delivery dispatch or release to a designated freight forwarder. Cash on Delivery is not available for provincial cargo shipments.

For orders requiring third-party cargo arrangements, Furniture Manila’s cargo handling fee is separate from the actual freight charges imposed by the selected cargo provider. Customers are responsible for the applicable shipping charges according to the confirmed shipping arrangement.

Card Payment Authorization

Credit and debit card transactions may be subject to additional verification by the payment processor or issuing bank. A transaction may be declined or temporarily placed under review even if the customer has sufficient available credit or funds.

Proof of Payment

Customers may be requested to provide a payment reference number, bank transfer confirmation, or other supporting details to assist with transaction reconciliation. However, a payment screenshot or transaction slip alone does not automatically establish that funds have been successfully received and verified.

Unsuccessful or Duplicate Payments

If a payment attempt appears unsuccessful or an error occurs during checkout, customers should verify their transaction status before attempting another payment. If a duplicate charge is suspected, please contact Furniture Manila and provide the relevant transaction references for investigation.

Proforma Invoice

A Proforma Invoice is provided for order review, purchasing approval, and payment reference purposes. It is not a substitute for the applicable final tax invoice.

Sales Invoice

The applicable Sales Invoice is issued in accordance with Furniture Manila’s accounting procedures and prevailing invoicing requirements. Customers must provide accurate billing information before invoice issuance, as changes to finalized tax documents may be restricted.

Withholding Tax / BIR Form 2307

Corporate customers claiming creditable withholding tax deductions must provide the required BIR Form 2307 and complete supporting information within the applicable accounting deadline. Withholding tax deductions are subject to verification and acceptance under the relevant tax rules and Furniture Manila’s accounting procedures.

Change-of-Mind Cancellations

Cancellation requests made because of a change of mind, incorrect product selection, or other customer-related reasons are evaluated according to the applicable cancellation and return policies. Store credit, restocking fees, or other conditions may apply where permitted under the relevant terms and consumer protection laws.

Unavailable Merchandise

If an ordered product becomes unavailable and Furniture Manila cannot fulfill the order, the customer will be informed of the available options. Where the customer does not accept a proposed alternative, a refund may be arranged for the unavailable merchandise in accordance with applicable requirements.

Credit Card & Electronic Payment Refunds

Approved refunds for card and electronic payments may be processed through the original payment provider, subject to the provider’s procedures. The time required for a refund or reversal to appear in the customer’s account depends on the issuing bank, payment processor, and applicable settlement timelines.

Financing Provider Transactions

Orders paid through certain financing providers, including Billease where applicable, may be subject to provider-specific cancellation and refund restrictions. Under Furniture Manila’s store policy, eligible voluntary cancellations or returns involving such payment arrangements may be resolved through store credit rather than a cash refund, subject to applicable consumer rights and the financing provider’s requirements.