Payment methods

When you are charged

Payment is taken in full when you place the order. Your order is not accepted, and no contract is formed, until we send you a dispatch confirmation — if we cannot fulfil an item we refund it before that point.

What you can pay with

The payment methods available to you are shown at checkout, before you confirm anything. The list depends on your country and your device, so we do not print a fixed list here — what you see at checkout is what you can use.

Your card details

Card payments are handled by our payment provider on their own secure systems. We do not see, handle or store your full card number, expiry date or security code at any point. Our provider returns a result and a reference to us, and that is all we keep against your order.

Where your bank requires it, you may be asked to confirm the payment in your banking app or by a one-time code. This is strong customer authentication and is a requirement of UK and EU payment rules, not something we can switch off.

Currency

All prices on this site are in pounds sterling (GBP) and you are charged in pounds sterling. If your card is denominated in another currency, your bank will convert the amount at their own rate and may add a foreign transaction fee. That conversion is between you and your bank; we do not receive any part of it.

Failed and declined payments

If a payment is declined, no order is created and no money leaves your account, although your bank may show a temporary authorisation hold which clears on its own. Check the card details and the billing address you entered and try again, or use a different method. If it keeps failing, your bank will be able to tell you why — we are not told the reason.

Refunds

Refunds go back to the method you paid with. We cannot refund to a different card or account. See returns and refunds for timings.

Suspected fraud

If an order looks like it may not have been placed by the cardholder, we may cancel and refund it rather than dispatch. If that happens to a genuine order of yours, email support@aismartora.shop and we will sort it out.