Payment Policy

Introduction

At Hometexure, we are committed to providing you with a safe, secure, and seamless payment experience. This Payment Policy outlines everything you need to know about how we accept and process payments on our website at hometexure.com.

1. Accepted Payment Methods

We accept the following payment methods at checkout:

Credit & Debit Cards:

• 💳 Visa (Credit & Debit)
• 💳 Mastercard (Credit & Debit)
• 💳 American Express
• 💳 Maestro

Digital Wallets:

• 🍎 Apple Pay
• 🔵 Google Pay
• 🛍️ Shop Pay

Online Payment Platforms:

• 🔵 PayPal

All payments are processed in GBP (£ British Pounds Sterling). If you are shopping from outside the UK, your bank or payment provider will apply their applicable currency conversion rate. Any conversion fees are your responsibility.

2. Payment Security

Your financial security is our highest priority. Here is how we protect you:

• All transactions on hometexure.com are protected by SSL (Secure Sockets Layer) encryption — look for the padlock icon in your browser address bar
• We use Shopify Payments as our primary payment gateway, which is certified to PCI DSS Level 1 — the highest level of payment security certification in the industry
• We do not store your full credit or debit card details on our servers at any time
• All sensitive payment data is handled directly by our PCI-compliant payment processors
• We use 3D Secure authentication (Verified by Visa / Mastercard SecureCode) where applicable for additional protection

3. When Payment Is Taken

• Payment is collected in full at the time you place your order
• By completing the checkout process and clicking "Place Order," you authorise us to charge the full order amount (including any applicable shipping fees and taxes) to your chosen payment method
• Your payment will appear on your bank statement as HOMETEXURE or similar
• We do not operate a "pay later" or instalment payment system unless explicitly stated during a promotional period

4. Order Confirmation

Once your payment is successfully processed:

• You will receive an Order Confirmation Email to the email address provided at checkout within 1 hour
• This email will include your order number, a summary of items purchased, and the total amount charged
• Please check your spam or junk folder if you do not receive the email within 1 hour
• If you still cannot locate your confirmation email after checking spam, contact us at support@hometexure.com with your full name and the email address used at checkout

Important: The order confirmation email confirms receipt of your order and payment — it does not confirm shipment. A separate shipping confirmation email will be sent once your order is dispatched.

5. Pricing & Currency

• All prices displayed on hometexure.com are in GBP (£ British Pounds Sterling)
• Prices include UK VAT where applicable
• We reserve the right to change product prices at any time without prior notice
• The price displayed at the time you place your order is the final price you will be charged — price changes after your order is placed will not affect your order
• In the event of a pricing error on our website, we reserve the right to cancel your order and issue a full refund, notifying you by email

6. Taxes & VAT

United Kingdom:

• All prices include UK VAT (20%) where applicable
• A VAT-inclusive receipt is available upon request

European Union:

• EU customers may be charged local VAT at checkout or by their country's customs authority depending on the order value and destination country
• We comply with all applicable EU VAT regulations including the EU OSS (One Stop Shop) scheme

United States & Canada:

• Sales tax may be applied at checkout in accordance with applicable state/provincial tax laws
• Tax rates vary by delivery location and will be displayed clearly at checkout

Australia & New Zealand:

• GST (Goods and Services Tax) may apply to orders delivered within Australia
• Where applicable, GST will be displayed at checkout

All international customers are solely responsible for any import duties, customs taxes, or additional government-imposed fees in their destination country. These are not included in our prices.

7. Failed or Declined Payments

If your payment is declined at checkout, please check the following:

• ✅ Ensure your card number, expiry date, and CVV/security code are entered correctly
• ✅ Ensure your billing address matches the address registered with your bank
• ✅ Check that your card has sufficient funds or credit available
• ✅ Check whether your bank has placed any restrictions on online or international transactions
• ✅ Try a different browser or device
• ✅ Try an alternative payment method (e.g. PayPal)

If your payment continues to be declined, please contact your bank directly. For further assistance, contact us at support@hometexure.com and we will do our best to help.

Please note: We are not able to override payment declines issued by your bank or card provider.

8. Duplicate Orders & Accidental Payments

If you believe you have been charged more than once for the same order:

1. Check your bank statement carefully — sometimes authorisation holds can appear as duplicate charges but are temporary
2. Contact us immediately at support@hometexure.com with your order number(s) and a screenshot or description of the charges
3. We will investigate and issue a full refund for any genuine duplicate charge within 5 business days

9. Fraud Prevention & Order Verification

To protect our customers and our business:

• All orders are subject to automated fraud screening
• We reserve the right to cancel or place on hold any order that triggers our fraud detection systems
• In such cases, we may contact you to verify your identity or payment details before processing the order
• If an order is cancelled due to suspected fraud, a full refund will be issued to the original payment method
• We may request additional verification documents (e.g. photo ID) for high-value orders

We take fraud very seriously and will report any confirmed fraudulent activity to the relevant authorities.

10. Chargebacks & Disputes

If you have a concern about a charge on your account, we strongly encourage you to contact us first at support@hometexure.com before initiating a chargeback with your bank. We are committed to resolving all payment disputes fairly and promptly.

Please be aware:

• Initiating a chargeback without first contacting us may delay resolution
• Fraudulent or unjustified chargebacks will be disputed with supporting evidence
• Customers found to have made fraudulent chargeback claims may be permanently banned from our store

11. Promotional Discounts & Coupon Codes

• Discount codes and promotional offers must be applied at checkout before completing payment
• Only one discount code may be applied per order unless otherwise stated
• Discount codes cannot be applied retroactively after an order has been placed
• We reserve the right to withdraw or modify promotional offers at any time
• Discount codes have no cash value and cannot be exchanged for cash

12. Refund Payments

Approved refunds are always returned to the original payment method used at checkout:

Refund timeframes begin from the date we confirm and process the refund on our end. Actual appearance on your statement depends on your bank or payment provider's processing times, which are outside our control.

For full details on our refund process, please refer to our Return & Refund Policy.

Contact Us

For all payment-related enquiries, please contact us:

• Business Name: Hometexure
• Address: 20 Wenlock Road, London, N1 7GU, United Kingdom
• Email: support@hometexure.com
• Phone: +44 7428 536074
• Website: https://hometexure.com