Payment Policy

Last updated 03.02.26

1. Accepted Payment Methods
   We accept the following payment methods:

• Credit/Debit Cards: Visa, MasterCard, American Express, Discover.
• Digital Wallets: Apple Pay, PayPal, Google Pay.

2. Payment Authorization and Security

• All payments must be completed in full at the time of checkout.
• All transactions are processed securely through Stripe/Shopify Payments or Mollie and are encrypted using SSL technology.
• We do not store your credit card information on our servers. 

3. Payment Processing and Order Confirmation

• Orders are only processed and confirmed after payment has been successfully authorized.
• If a payment is declined or fails, you will be notified immediately, and the order will be held for 24 hours before cancellation. 

4. Pricing and Taxes

• All prices are listed in GBP.
• Prices include applicable taxes (e.g., VAT, Sales Tax) unless otherwise stated.
• You are responsible for any foreign transaction fees charged by your bank. 

5. Refunds and Billing Discrepancies

• Refunds for authorized returns will be processed back to the original payment method within 14 business days.
• If you notice a billing error, please contact us at info@savvytreads.co.uk within 14 days. 

6. Policy Updates
We reserve the right to update our payment methods and terms at any time.