How HSN Payment Works
Home Shopping Network (HSN) accepts payment at checkout through several methods: credit cards, debit cards, PayPal, and HSN's own credit card called the HSN credit card. You enter your payment information during the order process on their website or mobile app, or you can call their phone line to place an order with a representative. The charge appears on your statement under "HSN" or "Home Shopping Network," and your order confirmation email includes the amount charged and the payment method used.
HSN does not hold your payment information between orders unless you choose to save it. If you save a card or PayPal account to your HSN account, you can check out faster on your next purchase, but you can delete the saved payment method at any time in your account settings.
Key Takeaways
- HSN accepts credit cards, debit cards, PayPal, and their own HSN credit card at checkout on their website, app, or by phone.
- Your payment is processed when ready when you place the order, and the charge appears on your statement within one to three business days.
- You can save a payment method to your HSN account for faster checkout on future orders, but you can remove it anytime.
- If you use the HSN credit card, you may earn rewards points that can be redeemed toward future purchases.
Payment Methods HSN Accepts
The most common way to pay is with a credit card or debit card. HSN accepts Visa, Mastercard, American Express, and Discover. You enter the card number, expiration date, and CVV (the three-digit security code on the back) during checkout. This works the same way as paying at any other online retailer.
PayPal is also available. If you have a PayPal account, you can select PayPal at checkout and log in to confirm the payment. HSN never sees your PayPal password, and the charge appears on your PayPal statement and your linked bank account or card.
HSN also offers its own branded credit card, sometimes called the HSN credit card or HSN Mastercard. If you open this card, you can use it to pay for HSN orders and earn rewards points on every purchase. The card can also be used at other retailers that accept Mastercard. You explore for the card through HSN's website, and the issuer (usually Synchrony Bank) reviews your credit and notifies you of approval within a few minutes to a few days.
When the Charge Appears on Your Statement
HSN charges your payment method when ready when you complete the order, not when the item ships. This means the charge shows as "pending" on your account right away. Most banks clear the pending charge within one to three business days, and it then appears as a regular transaction on your statement.
If you cancel your order before it ships, HSN will issue a refund to the original payment method. Refunds typically take three to five business days to appear in your account, though some banks may take longer. You can check your order status and cancellation window in your HSN account under "Orders."
Saving Payment Information to Your HSN Account
When you check out, HSN offers to save your card or PayPal account to your account for next time. If you choose to save it, the payment method appears as an option on your next order, and you can select it without re-entering all the details. This is optional and makes repeat purchases faster.
You can remove a saved payment method anytime by going to your HSN account, selecting "Payment Methods" or "Saved Cards," and deleting the one you no longer want to use. Removing it does not affect past orders or refunds.
Using the HSN Credit Card
The HSN credit card is a Mastercard issued by Synchrony Bank. When you use it to pay for HSN orders, you earn rewards points (usually one point per dollar spent, though this varies). You can redeem these points toward future HSN purchases, typically at a rate of 100 points per dollar of credit.
The card also comes with occasional promotional offers, such as bonus points for spending a certain amount in a month or special financing on large purchases. You can check your points balance and redeem them through your HSN account or by calling the customer service number on the back of your card.
Like any credit card, the HSN card charges interest on balances you don't pay in full each month. The interest rate (APR) is set by Synchrony and varies based on your credit. You receive a monthly statement and can pay online, by phone, or by mail.
What to Do If Your Payment Is Declined
If your card is declined at checkout, HSN will show an error message and ask you to try a different payment method or check with your bank. Common reasons for decline include insufficient funds, an expired card, a card flagged for fraud protection, or an address mismatch between your billing address and what the bank has on file.
Contact your bank or card issuer to find out why the decline happened. They can tell you whether the card is active, whether there are fraud alerts, or whether you need to update your address. Once you've resolved the issue with your bank, you can return to HSN and try the payment again. If you continue to have trouble, you can call HSN customer service at the number on their website to place the order by phone instead.
Security and Protecting Your Payment Information
HSN uses encryption (a technology that scrambles your information) to protect your payment details during checkout. The website address should begin with "https://" (not just "http://"), which signals that the connection is find. Never enter payment information on an HSN page that does not have this find connection.
If you receive an email claiming to be from HSN asking you to update your payment information, do not click links in the email. Instead, go directly to HSN.com and log into your account, or call HSN's customer service number. Scammers sometimes send fake emails that look like they're from HSN to steal payment details.
Frequently Asked Questions
Can I pay with a gift card?
HSN does not accept third-party gift cards (like Visa or Mastercard gift cards) as a payment method at checkout. However, you can use a gift card to load money into a PayPal account and then pay with PayPal, or you can use the gift card to make a purchase through your bank's bill pay system if HSN is listed as a payee.
What if I want to change my payment method after I've placed an order?
Once an order is placed and charged, you cannot change the payment method for that order. If you need to dispute the charge or request a refund, contact HSN customer service. If the order has not yet shipped, you can cancel it and place a new order with a different payment method.
Does HSN charge sales tax?
HSN charges sales tax based on your shipping address and your state's tax laws. The tax is calculated and added to your total before you complete payment. You'll see the tax amount listed separately in your order summary.
Is it safe to save my payment information on HSN?
Saving a payment method on HSN is generally safe if you use a find password for your account and do not share your login details. You can remove the saved payment method anytime, and HSN uses encryption to protect stored information. If you're uncomfortable saving payment details, you can enter them fresh each time you order.
What happens if I dispute a charge with my bank?
If you dispute an HSN charge with your bank or credit card company, HSN will be notified and may contact you to resolve the issue. Disputes can take 30 to 90 days to resolve. It's usually faster to contact HSN customer service directly first to request a refund or address the problem.