Vatpan UK Payment Policy
At Vatpan UK, we want to make your shopping experience as smooth and secure as possible. This Payment Policy outlines the payment methods we accept, the payment process, and how we handle your payment information. Please read this policy carefully to ensure you understand how we process payments for orders placed on our website.
1. Accepted Payment Methods
We accept a variety of payment methods to provide convenience and security for our customers. You can choose the most suitable method when completing your purchase.
a) Credit and Debit Cards:
● We accept major credit and debit cards, including Visa, MasterCard, American Express, and Maestro.
● All card payments are securely processed through trusted payment gateways to ensure your payment details are safe.
b) Bank Transfers:
● For larger transactions or business purchases, we also accept bank transfers. If you prefer this method, please contact us at info@vatpan.co.uk, and we will provide our bank details for the transfer.
● Please note that orders paid via bank transfer will not be processed until the funds have cleared in our account, which may take 2-3 business days.
c) Payment via Other Methods:
● We may offer additional payment options in the future. Any new payment methods will be clearly outlined during the checkout process.
2. Payment Process
a) Placing an Order:
● When you place an order on our website, you will be asked to provide your payment information during the checkout process. This may include your credit/debit card details or PayPal account information.
● Once you have entered your payment details, you will be asked to review and confirm your order before submitting it.
b) Authorisation:
● When you make a payment, we will send a request to your payment provider to authorise the transaction. If your payment is authorised, we will proceed with processing your order.
● In some cases, your payment provider may require additional verification to complete the transaction. If this happens, we will notify you to take the necessary steps to confirm your payment.
c) Payment Confirmation:
● Once the payment has been successfully processed, you will receive an email confirmation of your order, including details of your purchase and payment receipt.
● If there is an issue with your payment (e.g., declined transaction, insufficient funds), we will notify you promptly to resolve the issue.
d) Order Processing:
● Orders are typically processed within 1-2 business days after payment is confirmed. Please note that orders placed on weekends or public holidays will be processed on the next business day.
3. Payment Security
At Vatpan UK, the security of your payment information is a top priority. We use industry-standard encryption technology to protect your payment details during transactions. All card payments are processed through secure third-party payment gateways (such as Stripe and PayPal), which comply with the highest levels of security.
a) Payment Gateway Security:
● Our payment providers are fully PCI-DSS compliant, ensuring that your credit card and other payment information is securely handled.
● PCI-DSS (Payment Card Industry Data Security Standard) is the global standard for secure card payments, and it ensures that your personal and payment information is kept safe during transactions.
b) Privacy of Payment Information:
● We do not store your sensitive payment information on our servers. All payments are processed directly through our payment partners, who are responsible for securely managing your data.
● Your payment details are only used for the purpose of completing your order and are never shared with third parties, except as required by law or necessary to complete the transaction.
4. Currency and VAT
a) Currency:
● All transactions on Vatpan UK are conducted in British Pounds (GBP). The prices on our website are listed in GBP, and your payment will be processed accordingly.
b) Value Added Tax (VAT):
● All prices listed on our website are inclusive of VAT at the applicable UK rate (currently 20%). If VAT is subject to change, the new rates will automatically apply to all applicable purchases made after the change.
● As Vatpan UK is based in the United Kingdom, all customers in the UK will pay VAT on orders.
● If you are purchasing from outside the UK, VAT may be excluded from your order, depending on the destination country. However, the customer may be responsible for any customs duties or taxes applied in the destination country.
5. Refunds and Payment Disputes
a) Refunds:
● If you are eligible for a refund (as per our Refund Policy), we will process the refund to your original payment method.
● For card payments, the refund will be issued back to the same card used for the original purchase. For PayPal payments, the refund will be issued to your PayPal account.
● Please allow up to 10 business days for the refund to be processed, depending on your payment provider and bank.
b) Payment Disputes:
● If you believe there is an issue with your payment or the transaction, please contact us immediately at info@vatpan.co.uk. We will do our best to resolve the issue promptly.
● If you initiate a chargeback or payment dispute with your bank or credit card provider without contacting us first, we may suspend or cancel your order.
6. Payment Errors or Mistakes
If there is a mistake with the payment amount (for example, if you are overcharged or undercharged), we will work with you to rectify the situation. If an error is discovered after your order has been processed, we may either issue a refund or request payment for the correct amount.
If a payment error occurs during the checkout process (e.g., due to a failed transaction), you will be notified and given the opportunity to reattempt payment or select an alternative payment method.
7. Fraud Prevention
At Vatpan UK, we take fraud prevention very seriously. We have measures in place to detect and prevent fraudulent activity on our website.
a) Fraud Detection:
● We may request additional verification for certain transactions, particularly if we suspect the transaction is unusual or potentially fraudulent. This may include asking you to verify your identity or providing additional proof of purchase.
● If we suspect fraud, we may cancel your order or delay processing until the matter is resolved.
b) Reporting Fraud:
● If you suspect fraudulent activity related to your account or payment, please contact us immediately. We will investigate the matter and take appropriate action to protect your information.
8. Additional Charges
a) Transaction Fees:
● Some payment methods may incur additional fees or charges. For example, certain international card payments or PayPal transactions may attract an extra fee, which will be displayed before you complete the checkout process.
● Vatpan UK is not responsible for any charges that may be imposed by your payment provider or bank.
9. Contact Us
If you have any questions or concerns regarding payments, please do not hesitate to get in touch with us:
● Email: info@vatpan.co.uk
● Phone: 0745 656 2727
● Address: Unit 1, Capitol Industrial Estate, Fulmar Way, Wickford, S11 8YW