Payment Policy

Effective Date: June 10, 2025

At Charmtopis, we prioritize the security, transparency, and convenience of your payment experience. Please review our Payment Policy for details on accepted methods, billing procedures, and data protection.

1. Accepted Payment Methods

We offer a variety of secure payment options to suit your needs:

  • Credit & Debit Cards: Visa, Mastercard, American Express

  • Digital Wallets: PayPal, Apple Pay, Google Pay

  • Bank Transfer: Available for wholesale and bulk orders (contact sales@charmtopis.com)

  • Gift Cards & Promo Codes: Redeemable at checkout; terms apply

2. Secure Transactions

  • All payments are processed via industry-leading, PCI-compliant gateways.

  • Our website uses SSL/TLS encryption to protect sensitive data during transmission.

  • Charmtopis does not store your full payment details on our servers.

3. Billing & Authorization

  • Your card or wallet will be authorized at the time of purchase for the total order amount.

  • The final charge appears on your statement as “Charmtopis Ltd.”

  • If an item is out of stock or canceled, the authorization hold will be released within 3–5 business days, depending on your bank.

4. Invoice & Receipt

  • Upon successful payment, you will receive an Order Confirmation email with an attached invoice.

  • You can download or print your invoice from your account dashboard at any time.

5. Currency & Exchange Rates

  • All prices are displayed and billed in GBP (£).

  • If your bank or payment provider applies an exchange rate or foreign transaction fee, those charges are your responsibility.

6. Payment Disputes

  • If you believe a billing error has occurred, please contact us within 30 days of the transaction date.

  • Email billing@charmtopis.com with your order number, date, and a description of the issue.

  • We will investigate and respond within 5 business days.

7. Fraud Prevention

  • Charmtopis employs advanced fraud-detection tools to monitor suspicious activity.

  • We may request additional verification (e.g., ID or proof of address) before processing high-value orders.

8. Refund Processing

  • Approved refunds are issued to the original payment method within 5–10 business days.

  • For details on eligibility and timelines, please refer to our Refund and Return Policy.