credit-card Payment Options

Commonly Asked Questions

Q: When will I be charged for my order?

A: Spencer's does not charge for any items until they are shipped. At the time the order is placed your bank/credit card company may choose to place a retail hold on your account to verify the funds are available for the purchase. The holds are usually released by the bank/credit card company within 2-3 business days.

All prices are in US dollars; additional charges may be apply to your bank due to the currency conversion if shipping to canada.

Q: What if I am tax exempt?

A: Place your order online or purchase in store with the sales tax applied. Once your purchase has been made email us a copy of your tax exempt form to guestservices@spencersonline.com . If the billing or shipping address does not match the address on the form, we will also need a letter of approval printed on the letterhead of the organization the tax exempt form was issued to. Once the tax exempt form has been received a refund will be issued for the sales tax.

Q: Why can't I place my order?

A: Please check and make sure that the billing information you are entering matches the billing information on file with your bank/credit card company. The billing name provided needs to match the name printed on your card. If there is a middle initialor suffix on your card, it will need to be included in the billing information.

Should you be using a gift card issued by Visa, MasterCard, AMEX or Discover, you will need to call the customer service number on the back of the card and register it under your name or zip code. Once they attach this information to your account you may then use your gift card as if it were a standard credit card.

Q: Why was my card charged when my order did not go through?

A: The entry you see on your account is only a pending retail hold. You will not be charged for your order until it ships from our warehouse. Every time the 'Submit' button is hit, a pre-authorization is sent to your bank and they may choose to place a retail hold on the account in the amount of the funds of the purchase even if the order did not go through. These holds are placed by your bank to verify that the funds are available and, will typically fall off in about 2-3 business days after being placed.

Q: Can I stack discounts?

A: When using a coupon or promotion code only one can be applied to your order at a time. Discount codes found on third party coupon sites are not verified by us and are the responsibility of the site posting the offer.

Q: How do I know my coupon code was applied?

A: Once the discount code is applied the subtotal of your order will be adjusted. If it is a shipping promotion, as long as the correct shipping method is selected the cost of shipping will adjust. Please keep in mind that any oversized shipping fees are not included in our shipping promotions. Discount codes found on third party coupon sites are not verified by us and are the responsibility of the site posting the offer.

Q: Why was my card/PayPal account charged multiple times?

A: As Spencer's does not charge a guest until the order has been processed and shipped, you may see two entries on your credit/debit card or PayPal account. One of these entries is a retail hold and the other is payment for the order. Since payment is not collected upon completion of your order your bank/credit card company or PayPal may place a hold on your account to verify the funds are available to process your order. These holds are usually released in about 2-3 business days, but some banks/credit card companies may have longer release times.

Unfortunately, the retail hold and final charge aren't combined into a single transaction. Should there be any changes or adjustments to your order it can result in multiple pending retail holds on your account. We do not assume responsibility for loss or inconvenience due to held funds.

Payment Information

Q: What forms of payment do you accept?

A: We currently accept Visa, MasterCard, Discover, AMEX, PayPal, Venmo, Apple Pay and Klarna. We also accept Spencer's gift cards issued within the US. Unfortunately we do not accept money orders, purchase orders, or mail orders at this time. For your protection, our orders are screened for potential fraud. Please make sure that your billing address matches that of your payment method to avoid delays in processing your order.

Q: Can I make a split payment?

A: Split payment can be made between a Spencer's gift card and a credit card or PayPal. We do not accept split payments between credit cards or a credit card and PayPal at this time.

Q: How do I use my Spencer's gift card?

A: Once you are on the checkout page, the option to use your Spencer's gift card will be provided in the Step 3: Payment Information section under 'Gift Card'. If you have not done so already, remove the silver strip from the back of the card and enter the 19 digit number into the box; do not put spaces or dashes between the numbers. Once the number is entered hit the 'Apply Gift Card' Button.

Should the gift card cover the full amount of the order, including shipping and sales tax, all you will need to do is finish filling out the billing and shipping information and then hit the 'Submit Order' button. If you still owe a remaining balance you will be prompted to provide your credit card information. Please make sure you apply your Spencer's gift card first before any other form of payment.

Q: How do I use my Spencer's gift card with PayPal?

A: After you have logged into your PayPal account and have selected the proper information you will be redirected to our website to finalize your order. During the Payment section of checkout you will be able to enter your gift card information. If you have not done so already, remove the silver strip from the back of the card and enter the 19 digit number into the box; do not put spaces or dashes between the numbers. Once the number is entered, hit the 'Apply Gift Card' button and then select the bubble next to the 'Pay with PayPal' option. Hit "Continue" to finalize your order.

Q: Can I use more than one Spencer's gift card for an online order?

A: No, we can only honor one gift card per order.

Q: What if I am tax exempt?

A: Place your order online or purchase in store with the sales tax applied. Once your purchase has been made email us a copy of your tax exempt form to guestservices@spencersonline.com . If the billing or shipping address does not match the address on the form, we will also need a letter of approval printed on the letterhead of the organization the tax exempt form was issued to. Once the tax exempt form has been received a refund will be issued for the sales tax.

Billing Information

Q: When will I be charged for my order?

A: Spencer's does not charge for any items until they are shipped. At the time the order is placed your bank/credit card company may choose to place a retail hold on your account to verify the funds are available for the purchase. The holds are usually released by the bank/credit card company within 2-3 business days.

All prices are in US dollars; additional charges may be apply to your bank due to the currency conversion if shipping to canada.

Q: Why was I charged sale/shipping tax?

A: Spencer's has stores in 49 states, so sales tax is charged on orders where applicable. The sales tax will be based on the state the order is being shipped to. Please note that some states charge sales tax on shipping fees as well.

Q: Why can't I place my order?

A: Please check and make sure that the billing information you are entering matches the billing information on file with your bank/credit card company. If there is a middle initial on your card, it will need to be included after your first name in the billing information. This also goes for any Sr, Jr, or I, II, or III that may also be printed on the card.

Should you be using a gift card issued by Visa, MasterCard, AMEX or Discover, you will need to call the 1-800 number on the back of the card and register it under your name or zip code. Once they attach this information to your account you may then use your gift card as if it were a standard credit card. Please note--- the full amount of the purchase cannot exceed the amount of these forms of payment or the order cannot be completed.

Q: Why was my card/PayPal account charged multiple times?

A: As Spencer's does not charge a guest until the order has been processed and shipped, you may see two entries on your credit/debit card or PayPal account. One of these entries is a retail hold and the other is payment for the order. Since payment is not collected upon completion of your order your bank/credit card company or PayPal may place a hold on your account to verify the funds are available to process your order. These holds are usually released in about 2-3 business days, but some banks/credit card companies may have longer release times.

Unfortunately, the retail hold and final charge aren't combined into a single transaction. Should there be any changes or adjustments to your order it can result in multiple pending retail holds on your account. We do not assume responsibility for loss or inconvenience due to held funds.

Q: Why was my card charged when my order did not go through?

A: The entry you see on your account is only a pending retail hold. You will not be charge for your order until it ships from our warehouse to the address provided. Every time the 'Submit' button is hit, a pre-authorization is sent to your bank and they may choose to place a retail hold on the account in the amount of the funds of the purchase even if the order did not go through. These holds are placed by your bank to verify that the funds are available and will typically fall off in about 2-3 business days after being placed but some banks/credit card companies may have onger release times.

Coupon Codes and Discounts

Q: Can I stack discounts?

A: When using a coupon or promotion code only one can be applied to your order at a time. Discount codes found on third party coupon sites are not verified by us and are the responsibility of the site posting the offer.

Q: How do I know my coupon code was applied?

A: Once the discount code is applied the subtotal of your order will be adjusted. If it is a shipping promotion, as long as the correct shipping method is selected the cost of shipping will adjust. Please keep in mind that any oversized shipping fees are not included in our shipping promotions.

Q: My coupon code doesn't work.

A: Our valid discount codes are usually found in our promotional emails (sign-up form is at the bottom of our site), the promotional banner of our website, and on our social media fan pages. When using a coupon or promotion code only one can be applied to your order at a time. Discount codes found on third party coupon sites are not verified by us and are the responsibility of the site posting the offer. Shipping to Canada, AK, HI, PR, APO/FPO addresses are excluded from shipping discount promotions. Please keep in mind that any oversized shipping fees are not included in our shipping promotions. Please make sure that you read the promotional details to confirm your order qualifies for the promotion.

Q: My shipping discount doesn't work.

A: Our shipping discounts are usually for a specific shipping method.The correct shipping method needs to be seleted for the shipping promotion to be applied; if it is not selected then the promotion will not be applied to the order. Our shipping promotions exclude shipments to Canada, AK, HI, PR, and APO/FPO addresses. If the promotion is for Express, Second Day, or Overnight. shipments to PO Boxes would be excluded as well. Any oversized shipping fees that may apply to an order are not included in the shipping discount. Shipping promotions cannot be stacked with any other coupons or discounts. Discount codes found on third party coupon sites are not verified by us and are the responsibility of the site posting the offer.