Payment policy

Section 1 – Overview

JDM Philly sells used JDM engines, transmissions, front clips and auto parts, brand-new engines and, when in stock, right-hand-drive (RHD) vehicles, from Philadelphia, Pennsylvania. All prices and transactions are in U.S. dollars (USD), and we ship to addresses within the United States. Local pickup from our warehouse is always welcome.

This page explains how we accept, process and secure your payment, from the moment you add a part to your cart through order confirmation and any refund.

Section 2 – Accepted payment methods

We accept the following payment methods at online checkout:

Phone and in-person orders: for orders placed by phone, local pickups or local installations, contact us to confirm the payment methods we can accept for your order. Orders are not released until the payment has fully cleared.

Right-hand-drive vehicles: the price, accepted payment methods, any deposit, and the title and paperwork we provide are confirmed with you in writing before you pay. A vehicle is released only after full payment has cleared.

Payments sent through any channel other than our checkout or an arrangement confirmed by our team cannot be applied to an order. JDM Philly will never ask you to pay by gift card.

Section 3 – How checkout works

1. Add to cart. Choose your engine, transmission or part. Review the listing’s condition, mileage and fitment details before adding it to your cart.
2. Shipping step. Choose how much to pay now (Pay in Full, Deposit or Reserve, see Section 6) and how you get the item: Local Pickup (free) or Ship to Address. For shipping, choose your state, enter your ZIP code, tick residential delivery or liftgate service if you need them, and select Calculate Shipping. The order summary then shows the item, shipping, sales tax, the total and the amount due now.
3. Details step. Enter your email address, full name, address and phone number. Freight carriers often use the phone number to schedule delivery. Freight shipments of engines and transmissions may not be deliverable to P.O. boxes.
4. Payment step. Choose Credit Card (Stripe), PayPal or Cash / Pay on Pickup (Local Pickup only), and confirm your billing address.
5. Review and pay. Check your order, add special instructions if you need to, and place the order. Card payments are made in Stripe’s secure form, and PayPal payments by signing in to PayPal. Your order is created only after payment is confirmed. If a payment is declined, you are told right away and no charge is made.
6. Confirmation. You will see an order confirmation page and receive a confirmation email with your order number. Tracking details follow when your order ships.

When you are charged: the amount due now shown in your order summary is charged when you place your order. For Pay on Pickup orders nothing is charged online. Full payment is required before any order is packed, shipped, released for pickup or installed. To cancel before shipment, see our Cancellation Policy.

Section 4 – Payment security

• Encrypted connection: our entire website, including checkout, is served over HTTPS (TLS), so your details are encrypted in transit.
• PCI-compliant processors: card payments are processed by Stripe, a PCI DSS Level 1 certified provider, and PayPal payments by PayPal. We never see or store your full card number or security code.
• 3D Secure: your card issuer may ask you to confirm a payment through its app or a one-time code. This extra check is controlled by your bank.
• Address and security code checks: payments may be declined if the billing address or card security code does not match your card issuer’s records.
• Fraud screening: every order is screened by our payment processors’ risk tools. Orders flagged as high-risk may be held for review or cancelled (see Section 9).

Section 5 – Pricing, sales tax and shipping costs

Pricing

• All prices are in U.S. dollars. The listed price is for the item only. Shipping and sales tax are shown at checkout before you pay.
• Unless the listing states otherwise, the price of an engine covers the long block only (cylinder head and short block). Accessories left attached for testing are included free of charge, as explained in our Warranty Policy.
• Prices can change without notice. The price shown when you place your order is the price you pay for that order.
• If an order is affected by a pricing error, we will contact you before shipping and let you choose to proceed at the correct price or cancel for a full refund.

Sales tax

• Sales tax appears on its own line at checkout before you pay.
• Pennsylvania: orders delivered to a Pennsylvania address and orders picked up at our Philadelphia warehouse are charged 8% sales tax on the price of the item.
• Shipping and delivery charges are not taxed.
• Other states: no sales tax is charged at checkout. You may owe use tax to your own state.
• Registered businesses buying for resale should email a valid resale certificate before placing the order. Exemptions cannot be applied to completed orders.

Shipping costs

• Every listing has its own flat shipping price, the same to every U.S. address. Most engines and transmissions ship for $275. You see the exact amount at checkout before you pay.
• Optional services: residential delivery (+$50) and liftgate service (+$50). Local pickup is free.
• Shipping and transportation charges are non-refundable, unless the refund results from our error. See our Shipping Policy.
• The total at checkout (item price, shipping and applicable sales tax) is the order total. The amount due now depends on the option you choose in Section 6. If your card is issued outside the U.S., your bank may add its own foreign transaction fee, which we do not control.

Section 6 – Pay in Full, Deposit (40%) and Reserve ($450)

At the first step of checkout you choose how much to pay now. The option you choose sets the Amount due now in your order summary.

If we cannot supply the item or complete the work, your deposit or Reserve payment is refunded in full.

Special orders and installation bookings: for special-order parts or installation bookings we may ask for a deposit. The deposit amount and what it covers are confirmed with you in writing before you pay. Deposits are non-refundable if you cancel.

Pay on Pickup: choose Local Pickup and Cash / Pay on Pickup at checkout. Nothing is charged online, you pay when you collect the order, and we release it only after payment is received in full.

Section 7 – Order confirmation and processing

• Confirmation email: sent within minutes of a successful payment, with your order number and summary. If you do not see it within 30 minutes, check your spam folder, then contact us with your name and the approximate order time.
• Order review: a confirmation email does not guarantee fulfillment. Orders remain subject to stock verification and fraud review.
• Shipping: orders usually ship within 24 hours, and orders placed by 1 PM Eastern Time on a business day ship the same day, with tracking provided. Any delay will be communicated to you. See our Shipping Policy.
• Your account: signed-in customers can view their orders and invoices at any time from their account dashboard.

Section 8 – Refunds to your original payment method

Approved refunds are always issued to the payment method used for the order. We cannot redirect a refund to a different card, bank account or PayPal account. If the original method is no longer valid, contact us and we will arrange an alternative.

• Cards: usually 5 to 10 business days after we issue the refund, depending on your bank
• PayPal: usually 3 to 5 business days
• Pay on Pickup orders: nothing was charged online, so there is nothing to refund online

Which purchases qualify for a refund is set out in our Return & Refund Policy and Cancellation Policy.

Section 9 – Fraud prevention and verification

• Risk screening: orders flagged by our payment processors may be held for manual review. We may contact you by phone or email to confirm details before we ship.
• High-value orders: we may ask for a government-issued photo ID and a document showing your billing address. These are used only to verify the order and are not kept longer than needed. If we cannot verify an order within 48 hours, we may cancel it and issue a full refund.
• Shipping addresses: we ship only to verifiable U.S. addresses and may decline orders to freight forwarders or reshipping services.
• Mismatched addresses: if your billing and shipping addresses are in different states, your order may be reviewed. This does not mean it will be cancelled.
• Local pickup: the person collecting an order may be asked to show photo ID matching the name on the order.

Section 10 – Billing questions and chargebacks

Unrecognized charge

Our charges appear on your statement as JDM Philly or a similar name. If you do not recognize a charge, check whether someone in your household placed an order, then email Jdmphilly7@gmail.com with your name, the last four digits of your card, and the charge amount and date. We will respond as soon as we can. If you believe your card was used without permission, contact your card issuer right away.

Please contact us before disputing a charge

Most billing problems are resolved faster by contacting us directly than through a bank dispute. Under the Fair Credit Billing Act, credit card holders may dispute billing errors with their card issuer, and debit card holders are protected against unauthorized transfers under the Electronic Fund Transfer Act and Regulation E. We encourage you to give us the chance to fix the problem first.

Chargebacks on orders that were delivered or picked up as described will be contested with our order records, shipping documents, and delivery or pickup confirmation. Customers who file fraudulent chargebacks may be refused future orders.

Section 11 – Frequently asked questions

Can I pay in installments?

If you are eligible, PayPal Pay Later options appear when you choose PayPal at checkout. Those plans are offered and managed by PayPal, and we receive payment at the time of your order. JDM Philly does not offer in-house financing or layaway. The Deposit (40%) and Reserve ($450) options are described in Section 6.

Why was my card declined?

Common reasons include insufficient funds, a billing address that does not match your bank’s records, online purchases being blocked on the card, a daily limit, or your bank’s fraud checks. We are not told the specific reason. Check your billing address, contact your bank to approve the payment, or try another card or PayPal.

Can I use a prepaid card?

Yes, if it has enough funds for the amount due now, is registered to a U.S. billing address, and is enabled for online purchases. Many prepaid cards are not registered to an address, which causes a decline. PayPal is a good alternative.

Can I change my payment method after ordering?

Once payment is captured, the method cannot be changed. If your order has not shipped, you can ask us to cancel it and place a new order with a different payment method. See our Cancellation Policy.

Do you offer pricing for shops and dealers?

Repair shops, dealerships and resellers buying in volume can contact us at Jdmphilly7@gmail.com or (215) 613-8004. Business pricing and payment terms are agreed separately from standard checkout.