Payment Policy — Downey Camera Shop

Last Updated: May 1, 2026

At Downey Camera Shop, we specialize in professional, high-value photography and videography equipment. To ensure the security of our transactions and protect our customers from the rising risks of online credit card fraud, we have implemented the following payment standards.

1. In-Store Payments

We welcome you to visit our Downey or Anaheim retail locations for in-person purchases.

  • Accepted Methods: We accept Cash, Debit Cards, and major Credit Cards (Visa, Mastercard, and Discover) for all in-store transactions.

  • Excluded Cards: Please note that we do not accept American Express (Amex) at our physical storefronts.

  • Identification: For your protection, a valid government-issued ID matching the name on the card is required for all in-store card payments.

2. Online Payments (Buy Now, Pay Later Only)

To maintain the highest level of security for our high-ticket inventory, we do not accept traditional credit or debit card payments directly through our website. All online orders must be processed through our verified “Buy Now, Pay Later” (BNPL) and leasing partners.

Our Online Financing Partners include:

  • Affirm

  • Snap Finance

  • Acima Leasing

  • Progressive Leasing

  • PayTomorrow

Why we use this model: Our “No Credit Needed” and financing options provide a secure, encrypted handshake between the lender and the customer, which significantly reduces the risk of fraudulent checkout attempts common in the professional electronics industry.

3. Verification & Security

  • Leasing Agreements: All online orders are subject to the terms and conditions of the specific financing provider you select at checkout.

  • Fraud Prevention: By utilizing third-party financing for online orders, we ensure that every transaction is fully vetted, protecting both the shop and the consumer.

4. Refund Policy for Payments

  • Financing Refunds: If a return is approved, the refund will be credited back to your financing provider to adjust your balance.

  • In-Store Refunds: Refunds for in-store card purchases will be issued back to the original card used (excluding any applicable restocking fees).

Contact Information

  • Business Name: Downey Camera Shop

  • Downey Location: 13541 Lakewood Blvd. Ste 200, Downey, CA 90242

  • Phone: 562-278-8442

  • Email: team@downeycamera.com