Payment Policy

Last updated: 09 June 2026

This Payment Policy explains how payments are processed when you shop at PennyLane, including accepted payment methods, currency, taxes, and security.

1. Accepted payment methods

We currently accept the following payment methods for online purchases:

Major credit and debit cards (such as Visa, Mastercard, American Express, etc.)
Other payment options that may be displayed at checkout (for example, digital wallets or local payment methods, if available in your region)

Available payment methods can vary depending on your location and the payment provider.

2. Payment timing

All payments must be completed at the time of purchase.
Your order will not be processed or shipped until payment has been successfully authorized and captured.
If your payment is declined or fails, your order will not be created and no charges will be applied.

3. Currency

All prices on our website are displayed in the currency shown at checkout.
If your payment method is in a different currency, your bank or payment provider may apply exchange rates and fees.
We are not responsible for any additional charges such as currency conversion fees or international transaction fees charged by your bank.

4. Taxes and duties

Applicable sales taxes are calculated and shown at checkout based on your shipping address and local regulations.
For international orders, customs duties, import taxes, and other fees may be charged by your local authorities; these are the responsibility of the customer unless clearly stated otherwise at checkout.

5. Order confirmation and invoicing

After you place an order and your payment is successfully processed, you will receive an order confirmation email containing your order details.
This email serves as your receipt. Please keep it for your records and for any future inquiries about your order.

6. Security of payments

We use trusted payment processors and industry-standard security measures to help protect your payment information.
Your full card details are processed securely by our payment providers and are not stored on our systems.
You are responsible for maintaining the confidentiality of your account details and for restricting access to your devices.

7. Failed payments and verification

If a payment fails or is flagged for review, your order may be delayed or cancelled.
In some cases, we may contact you to request additional information or verification to protect against fraud.
If we are unable to verify your payment or contact you, we may cancel the order and issue a refund if payment was captured.

8. Refunds to original payment method

Approved refunds are issued only to the original payment method used for the purchase.
Once a refund is processed, it may take several business days for the amount to appear in your account, depending on your bank or payment provider.
For full details about when refunds are available and how returns work, please refer to our Return Policy.

9. Price changes and errors

Prices for our products are subject to change without notice.
We reserve the right to correct any errors or inaccuracies in pricing and product information at any time.
If a pricing error affects your order, we may contact you with the option to confirm the order at the correct price or cancel it and issue a refund.

10. Chargebacks and disputes

If you have any concerns about a charge or your order, please contact us first so we can try to resolve the issue directly.
Initiating a chargeback without contacting us may delay the resolution process.
We reserve the right to dispute chargebacks we believe are unfounded or fraudulent and may provide evidence of the transaction to the payment provider.