Payment Policy

Accepted Payment Methods

We accept a variety of widely used payment methods, including:

The payment options available to you may depend on your device, location, order value and the eligibility requirements of the payment provider. The payment methods shown at checkout are the options currently available for your order.

Currency

All product prices, delivery charges and payments on the Charm Shop UK website are displayed and processed in Great British Pounds sterling (GBP/£).

When paying from a bank account or card held in another currency, your bank or payment provider may convert the transaction into GBP. Any currency-conversion costs, international transaction charges or other fees applied by your payment provider are your responsibility. Charm Shop UK does not determine the exchange rate or additional fees used by your provider.

Payment Authorisation and Processing

When you submit an order, your payment information is securely sent to the relevant payment provider for authorisation. The full order amount may be charged immediately or temporarily shown as pending while the payment and order are being verified.

Orders will only be prepared for dispatch after payment has been successfully authorised and received. In some circumstances, your bank may continue to display an authorisation as pending until it has been completed or released.

After a successful payment, an order confirmation will be sent to the email address entered during checkout. Please check your spam or junk folder if you do not receive the confirmation shortly after placing your order.

Payment Security

We take reasonable steps to protect your personal and payment information. Our website uses encrypted connections, and payments are handled through established third-party payment gateways.

Charm Shop UK does not directly store complete debit card or credit card details. Payment providers are responsible for processing sensitive financial information in accordance with applicable payment-security standards.

More information about how we collect and handle personal information is available in our Privacy Policy.

Order and Payment Verification

To help prevent fraudulent or unauthorised transactions, an order may be selected for additional security checks. These checks may include confirming the billing information, contacting the customer or requesting further information before the order is dispatched.

Verification may occasionally delay order processing. We reserve the right to refuse or cancel an order when:

• Payment cannot be successfully authorised.
• The information provided cannot be verified.
• The payment provider identifies a security concern.
• We reasonably suspect fraudulent or unauthorised activity.

When an order is cancelled after payment has been taken, the payment will be refunded or the authorisation will be released, as appropriate.

Klarna and Deferred Payments

Where available at checkout, Klarna may allow eligible customers to pay later or divide the cost of an order into instalments.

Approval is subject to Klarna’s own eligibility checks. Charm Shop UK does not make approval decisions and does not control Klarna’s repayment schedules, fees, credit assessments or account conditions.

Customers selecting Klarna should review Klarna’s Terms and Conditions before completing their purchase.

Failed or Declined Payments

A payment may be declined or fail for several reasons, including:

• Incorrect card, billing or security information.
• An expired card.
• Insufficient available funds.
• A failed identity or security check.
• Restrictions applied by the bank or card issuer.
• The payment provider being temporarily unavailable.

When payment is unsuccessful, the order will not be completed. You may try the payment again, select another available method or contact your bank or payment provider for assistance.

Charm Shop UK reserves the right to cancel an order when payment cannot be successfully processed or verified.

Prices, Taxes and Additional Charges

The price charged for a product will normally be the price displayed when the order is submitted. Prices may be changed at any time before an order is placed, but a later price change will not affect an order that has already been accepted.

The complete amount payable, including any applicable taxes and delivery charges, will be displayed before you confirm your purchase.

Where delivery outside the United Kingdom is available, the destination country may apply customs duties, import taxes, handling charges or brokerage fees. Unless expressly stated otherwise, these charges are not included in our product or delivery prices and must be paid by the recipient.

Refunds

Approved refunds are normally returned to the original payment method used for the purchase. We cannot usually issue a refund to a different card, account or payment service.

After a refund has been processed by Charm Shop UK, it may take approximately 5–10 working days to appear in your account. The exact time depends on your bank, card issuer or payment provider and is outside our control.

Refund eligibility and the applicable conditions are explained in our Returns and Refund Policy.

Order Cancellations

Please contact us as soon as possible when requesting an order cancellation. We will try to cancel the order before it enters processing, but cancellation cannot be guaranteed once preparation or dispatch has begun.

When an order has already been dispatched, it must be handled in accordance with our Returns and Refund Policy.