Payment Policy

Last updated: 12 September 2026

This Payment Policy explains how payments are handled for orders placed with ownae. We aim to provide UK customers with a secure, transparent and reliable checkout experience.

Payment must be successfully authorised before an order can be processed and dispatched. This policy should be read together with our Terms & Conditions, Shipping & Delivery Policy, Returns & Refunds Policy and Privacy Policy.

Nothing in this policy excludes, restricts or limits any statutory consumer right that cannot lawfully be excluded, restricted or limited.

1. Accepted payment methods

We may accept the following payment methods when they are displayed at checkout:

• Visa.
• Mastercard.
• Maestro.
• American Express.
• JCB.
• Diners Club.
• Discover, where available.
• Digital wallets and other payment methods displayed at checkout.

The payment methods displayed at checkout are the methods currently available for your order, location, currency and device. Availability may vary depending on the payment provider or card issuer.

We do not add a surcharge for the use of an eligible consumer credit card, debit card or other payment method where such a surcharge is prohibited by applicable UK law.

2. Payment authorisation and verification

When you place an order, your bank, card issuer or payment provider may authorise, capture, review or decline the transaction.

These checks help protect customers, payment providers and ownae against unauthorised or fraudulent transactions.

We may request additional verification, delay processing or cancel an order if the payment appears to be:

• Unauthorised, suspicious or potentially fraudulent.
• Incomplete or inconsistent with the billing information.
• Unable to be verified by the payment provider.
• Flagged by fraud-prevention systems.
• High-risk under applicable card-network or payment-provider rules.

We will not normally process an order until payment has been successfully authorised.

If an order is cancelled because payment cannot be verified, any payment already captured will be refunded to the original payment method.

3. Strong Customer Authentication

For transactions subject to UK or European payment requirements, your bank or card issuer may require Strong Customer Authentication.

You may be asked to complete an additional verification step, such as:

• A one-time passcode.
• Approval through your banking application.
• Biometric verification.
• Another security method supplied by your bank or payment provider.

If required verification is not completed, the transaction may be declined and the order may not be processed.

4. Billing information

You must provide accurate and complete billing, delivery, contact and payment information when placing an order.

An order may be delayed, placed on hold or cancelled if:

• The billing address cannot be verified.
• The cardholder information does not match the payment method.
• The payment status cannot be confirmed.
• The billing or delivery information is incomplete.
• Additional verification is required by the payment provider.

To reduce payment delays, ensure that your billing address matches the address registered with your bank or card issuer.

5. When payment is charged

Payment may be authorised or captured when you submit your order, depending on the payment method and provider used.

Your order will normally enter processing only after payment has been successfully authorised.

A temporary authorisation hold may appear on your account even if an order is later declined or cancelled. An authorisation hold is not necessarily a completed charge.

The time required to release a pending authorisation is determined by your bank, card issuer or payment provider.

6. Payment security

Payments are processed using secure third-party payment gateways and checkout providers. Payment information is handled according to the security standards applied by the relevant payment provider.

We do not request complete card numbers, card security codes, banking passwords or one-time verification codes through ordinary email or Customer Support communications.

Our website uses encrypted connections and reasonable technical and organisational measures to protect personal and payment information during transmission.

For your protection:

• Keep your account password and payment information confidential.
• Do not share checkout verification codes with anyone.
• Do not send complete card information by email or contact form.
• Only make payments through the official ownae checkout.
• Contact your bank immediately if you notice an unauthorised transaction.

7. Failed, declined or reversed payments

If a payment is declined, expired, reversed or otherwise not completed, the order may not be processed or dispatched.

If your payment is declined, please:

1. Confirm that your card has not expired.
2. Check that online and international transactions are enabled.
3. Ensure that sufficient funds or available credit are available.
4. Confirm that your billing information is correct.
5. Complete any verification requested by your bank.
6. Try another payment method displayed at checkout.

Your bank or card issuer may be able to provide the specific reason for a declined authorisation. ownae cannot override a decision made by your bank, card issuer, payment network or payment provider.

8. Currency and exchange rates

The order currency and total amount payable will be displayed at checkout before you complete your purchase.

Prices presented specifically to UK customers will normally be displayed in pounds sterling unless another currency is clearly selected or displayed.

If your bank account or payment card uses a different currency, your bank or card issuer may apply its own exchange rate or foreign-transaction fee. These charges are imposed by your financial institution and are outside ownae's control.

We will not add an undisclosed currency-conversion charge after you complete checkout.

9. Taxes, duties and additional charges

The product price, applicable taxes, delivery charges and total amount payable will be displayed before you submit your order.

Prices displayed to UK consumers will include VAT where VAT applies and we are responsible for collecting it.

Products are normally dispatched from within the United Kingdom. If an order is dispatched from outside the United Kingdom, any mandatory customs duty, import tax or handling charge that you must pay will be disclosed before purchase where required by applicable law.

We will not add an undisclosed mandatory charge after checkout.

10. Refunds to the original payment method

Eligible refunds will normally be issued using the original payment method unless you expressly agree otherwise. We will not charge a fee for issuing an eligible refund.

Refunds are processed in accordance with our Returns & Refunds Policy and applicable UK consumer law.

For returned products following a valid statutory cancellation, we will issue the refund without undue delay and no later than 14 days after:

• The day on which we receive the returned products; or
• The day on which you provide evidence that the products were sent back, if this occurs earlier.

If no products were supplied, we will issue the refund no later than 14 days after the day on which you informed us of the cancellation.

We may withhold a change-of-mind refund until we receive the returned products or you provide evidence that they were sent, whichever occurs first.

After we issue a refund, your bank, card issuer or payment provider may require additional processing time before it appears in your account.

If more than 14 business days have passed since we confirmed that your refund was issued, contact us with your order number.

11. Refunds for orders cancelled by ownae

If ownae cancels an order after payment has been collected, the amount charged for the cancelled products and any applicable delivery charges will be refunded to the original payment method.

If payment was authorised but not captured, any pending authorisation will normally be released by the payment provider or card issuer.

The time required for a released authorisation to disappear from your account may vary depending on your financial institution.

12. Duplicate or incorrect charges

If you believe you have been charged more than once or charged an incorrect amount, contact us with:

• Your full name.
• Your order number.
• The date and amount of each relevant charge.
• A screenshot with complete card numbers, account numbers and other sensitive information hidden.

Do not email us complete card or bank-account information.

13. Payment disputes

If you believe a payment, charge or refund was handled incorrectly, contact us at support@ownae.shop so that we can investigate and attempt to resolve the issue.

Contacting us first may allow the matter to be resolved more quickly. This does not limit your right to contact your bank, card issuer, payment provider or an appropriate consumer-protection organisation.

14. Gift cards and promotional vouchers

ownae may offer gift cards, discount codes or promotional vouchers from time to time.

Any applicable conditions, validity periods, minimum order values or product exclusions will be displayed when the offer is provided.

Gift cards and promotional vouchers cannot normally be exchanged for cash and may be non-refundable, except where required by applicable law.

Nothing in this section removes any refund or cancellation right that applies under UK consumer law.

15. Payment fraud warning

ownae will not ask you to make payment to an unofficial bank account, personal payment link, cryptocurrency wallet or third-party account that is not displayed during the official checkout process.

We will never ask you to disclose your complete card number, card security code, banking password or one-time verification code by email or telephone.

If you receive a suspicious message claiming to represent ownae, do not send payment or disclose sensitive information. Contact us using the official details below.

16. Contact us

If you have a question about payment authorisation, a failed transaction, a duplicate charge, a refund or an order payment, contact us:

Store name: ownae
Email: support@ownae.shop
Telephone: +44 7630555753
Business address: 11 Master's Cres, Prudhoe NE42 6NT, United Kingdom
Customer Support response time: Normally within 1–3 business days

When contacting us about an order, include your order number and the email address used at checkout.

Do not include your complete card number, card security code, banking password or one-time verification code.

17. Changes to this policy

We may update this policy to reflect legal, regulatory, operational or payment-service changes.

The version in effect when you placed your order will normally apply to that order unless a change is required by law or is more favourable to you.