Payment Policy

1 Introduction

At Judith Ethnic Food Store Ltd, we aim to provide customers with secure, convenient, and reliable payment options. This Payment Policy explains how payments are processed for purchases made through our website, physical store, EPOS system, and other approved sales channels.

2 Accepted Payment Methods

We may accept the following payment methods:

• Debit cards
• Credit cards
• Contactless payments
• Mobile payment services
• Online payment services
• Cash payments in-store
• Other payment methods displayed at checkout

Available payment methods may change from time to time.

3 Online Payments

When placing an online order, customers select their preferred payment method and payment details are processed securely. Order processing begins after successful payment confirmation. Orders may not be prepared or dispatched until payment has been authorised.

4 Payment Security

We take payment security seriously. Payment transactions are processed using secure payment systems designed to protect customer information. We do not store full payment card details, use trusted payment providers, and take reasonable steps to prevent fraudulent transactions.

5 Card Payments

When paying by card, the cardholder must have permission to use the card, payments must be authorised by the card issuer, and additional verification may be required. We reserve the right to refuse payment where fraud is suspected.

6 Failed or Declined Payments

If payment is declined, the order may not be completed and products will not be reserved unless confirmed. Customers should contact their payment provider if required. If payment is taken but the order cannot be fulfilled, a refund will be issued where appropriate.

7 Payment Errors

If a pricing or payment error occurs, we may correct the error, contact the customer before completing the order, or cancel the order and provide a refund where applicable.

8 Refund Payments

Where a refund is approved, it will normally be returned to the original payment method. Processing times depend on the payment provider or bank. We cannot control delays caused by third-party financial institutions.

9 In-Store Payments

Payments made at our physical store may be processed through our EPOS system, which may record transaction details, products purchased, payment method, and receipt information. Payment information is handled securely.

10 Receipts and Transaction Records

Customers may receive printed receipts, digital receipts, or order confirmation emails. Receipts may be required for refunds, exchanges, complaints, and warranty-related issues where applicable.

11 Fraud Prevention

To protect customers and our business, we may verify suspicious transactions, request additional information, and refuse transactions where fraud is suspected. We may retain relevant transaction records where required by law.

12 Promotional Payments

Discount codes, vouchers, and promotional offers may have expiry dates, usage limits, minimum purchase requirements, and specific conditions. Promotional offers cannot normally be exchanged for cash.

13 Contact Us

14 Changes to This Policy

We may update this Payment Policy from time to time. The latest version will always be available on judithethnicstore.co.uk.