12. PAYMENT & BILLING POLICY

This Payment & Billing Policy explains how payments, billing information, transaction authorisation and payment-related issues are handled when purchasing products from Paws Garden.

Our aim is to provide customers with a clear and secure purchasing process while complying with applicable UK consumer and payment requirements.

12.1 ACCEPTED PAYMENT METHODS

Paws Garden may offer different payment methods depending on the customer's location, device, order and the payment services available at the time of purchase.

Available payment methods will be displayed during the checkout process.

Payment options may include debit or credit cards and other electronic payment methods supported by our payment providers.

We reserve the right to add, remove or modify available payment methods where reasonably necessary.

12.2 PAYMENT AUTHORISATION

When you submit an order, the selected payment method may be subject to an authorisation or verification process.

An order may not be processed until payment has been successfully authorised.

If payment is declined, reversed, cancelled or otherwise unsuccessful, we may be unable to fulfil the order until a valid payment method has been provided.

12.3 PAYMENT PROCESSORS

Payments may be processed through independent third-party payment providers.

These providers may process payment information in accordance with their own terms, privacy policies and security procedures.

Paws Garden does not intentionally request or store complete payment card details when those details are securely handled directly by an appropriate payment processor.

12.4 BILLING INFORMATION

Customers are responsible for providing accurate billing information when placing an order.

This may include:

• Full name;

• Billing address;

• Email address;

• Payment information;

• Other information required by the payment provider.

Incorrect billing information may result in payment verification problems or delays.

12.5 ORDER PRICES

The price payable for an order will be displayed during the purchasing process before the customer completes the transaction.

Where applicable, taxes, delivery charges and other mandatory costs will be presented before payment is completed.

Customers should review the final order summary carefully before submitting an order.

12.6 PRICING ERRORS

Although we make reasonable efforts to ensure that prices and product information are accurate, occasional errors may occur.

If a significant and obvious pricing error is identified before an order has been accepted, we may contact the customer and provide the option to proceed at the correct price or cancel the order.

If payment has already been taken for an order that we are unable to fulfil because of an obvious pricing error, an appropriate refund will be provided.

This provision does not affect mandatory consumer rights.

12.7 CURRENCY

Prices may be displayed in British pounds sterling (GBP) or another currency depending on the website configuration and customer's location.

If a payment is made in a currency different from the currency used by the customer's bank account, the customer's bank or payment provider may apply its own exchange rate or additional charges.

Paws Garden does not control fees independently imposed by banks or payment providers.

12.8 PAYMENT SECURITY

We take reasonable measures to protect payment-related information and transactions.

Where possible, payment information is processed through established third-party payment providers that use appropriate security measures.

Customers should never send complete payment card details, passwords or security codes to Paws Garden through ordinary email or customer support channels.

12.9 FRAUD PREVENTION

To protect customers and Paws Garden, transactions may be subject to security and fraud-prevention checks.

We may delay, decline or cancel a transaction where there are reasonable grounds to suspect fraudulent or unauthorised activity, subject to applicable law.

Additional verification may occasionally be requested by the relevant payment provider.

12.10 PAYMENT FAILURES

If a payment fails during checkout, the customer may be asked to retry the payment or select another available payment method.

A failed payment does not necessarily mean that an order has been successfully placed.

Customers should check for an official order confirmation before assuming that a purchase has been completed.

12.11 DUPLICATE CHARGES

If you believe that you have been charged more than once for the same order, please contact Paws Garden as soon as possible.

We will review the transaction and, where appropriate, work with the relevant payment provider to investigate any apparent duplicate charge.

Customers should provide their order number and relevant transaction information where available.

12.12 REFUNDS

Where a refund is due, it will generally be returned using the original payment method unless another method has been agreed or applicable law requires otherwise.

The time required for a refund to appear in the customer's account may depend on the payment provider or financial institution.

For information about returns and statutory cancellation rights, please refer to our Returns & Refunds Policy.

12.13 CHARGEBACKS AND PAYMENT DISPUTES

If you believe a transaction has been processed incorrectly, we encourage you to contact Paws Garden so that we can investigate the issue.

Customers retain any rights they have under applicable law and the rules of their payment provider.

Nothing in this policy is intended to prevent a customer from contacting their bank, card provider or other payment service where appropriate.

12.14 SUBSCRIPTIONS AND RECURRING PAYMENTS

Unless expressly stated otherwise at the time of purchase, products sold through Paws Garden are intended to be purchased as individual transactions.

If Paws Garden introduces subscriptions or recurring payments in the future, the applicable recurring payment terms, pricing and cancellation conditions will be clearly presented before the customer agrees to the arrangement.

12.15 TAXES

Applicable taxes will be handled in accordance with relevant legal and tax requirements.

Where taxes are required to be included in the displayed price or presented separately, the applicable information will be provided during the purchasing process as required.

Customers may be responsible for certain additional charges in circumstances where applicable law places such responsibility on the customer, particularly for certain international transactions.

12.16 RECEIPTS AND ORDER RECORDS

After completing an order, customers may receive an electronic order confirmation or receipt containing relevant transaction information.

Customers should retain order confirmations and other purchase records for their own reference.

If you require assistance locating information relating to an order, please contact customer support.

12.17 BILLING DISPUTES

If you believe that an amount has been incorrectly charged, please contact Paws Garden promptly.

We may request information such as:

• Order number;

• Date of transaction;

• Amount charged;

• Payment method;

• Relevant transaction reference.

We will review the matter and provide an appropriate response based on the circumstances.

12.18 CHANGES TO THIS POLICY

We may update this Payment & Billing Policy when necessary to reflect changes to payment providers, checkout systems, available payment methods, legal requirements or business practices.

The latest version will be published on this page.

12.19 CONTACT US

If you have questions regarding payments, billing, refunds, transaction errors or payment-related concerns, please contact Paws Garden using the official contact information provided on our website.