Payment Policy for Quality Foods & Wines

At Quality Foods & Wines, we aim to make your shopping experience as smooth and secure as possible. Below is a detailed explanation of our payment policies, including the payment methods we accept, security measures, and other important details.

1. Accepted Payment Methods

We accept a wide range of secure payment options for your convenience:

• Credit & Debit Cards:
  We accept major credit and debit cards, including:

  • Visa
  • MasterCard
  • American Express
  • Discover

• PayPal:
  You can also choose to pay via your PayPal account. Simply select PayPal as your payment method at checkout.

• Apple Pay / Google Pay:
  For a faster checkout experience, we also accept payments through Apple Pay and Google Pay (where applicable).

• Gift Cards:
  We accept Quality Foods & Wines gift cards, which can be used for full or partial payment of your order. If you have a gift card, simply enter the code at checkout.

2. Payment Security

We take your security very seriously. All transactions on our website are processed through secure, encrypted payment gateways. We use SSL (Secure Socket Layer) encryption to ensure that your payment details are protected and cannot be intercepted.

• PCI Compliance:
  Our payment processor complies with the Payment Card Industry Data Security Standards (PCI DSS) to ensure that all sensitive data is handled securely.

• Two-Factor Authentication (2FA):
  For added security, we may require two-factor authentication during the payment process to verify your identity, particularly for larger transactions or when paying by credit card.

3. Payment Authorization

Once you submit your order, the payment will be processed immediately, and authorization will be sought from your bank or payment provider. Please note that your payment may be subject to your bank’s approval. Once authorized, your order will be confirmed, and we will begin processing it for shipment.

4. Billing Information

When placing an order, you are required to provide accurate billing information, including the billing address associated with your payment method. Inaccurate or incomplete billing details may result in delays or the rejection of your payment.

If your payment cannot be processed due to incorrect billing information, we will contact you to correct the details before proceeding with your order.

5. Currency and Charges

• Currency:
  All transactions on our website are processed in GBP (£). If you are purchasing from outside the UK, your payment will be converted to GBP based on the exchange rate applied by your bank or payment provider.

• International Fees:
  Please be aware that your payment provider or bank may charge you international transaction fees for orders placed from outside the UK. These charges are beyond our control and are the responsibility of the customer.

6. Fraud Prevention

To protect both our customers and our business from fraudulent transactions, we conduct random security checks on certain orders. If any discrepancies or signs of fraud are detected, we may request additional documentation, such as proof of identity or address, to process the order. We reserve the right to cancel any orders suspected of fraud, and the payment will be refunded if applicable.

7. Order Confirmation

Once your payment is processed and approved, you will receive an order confirmation email. This email will include the details of your purchase, such as the items ordered, the total amount, and the estimated delivery time.

If you do not receive an order confirmation email, please check your spam folder or contact us at support@qualityfoodsandwines.co.uk.

8. Cancellations and Refunds

If you need to cancel an order, please contact us as soon as possible. We aim to process orders quickly, but cancellations can only be made if the order has not yet been dispatched.

• Refunds:
  If you are eligible for a refund (e.g., if you cancel an order or return an item), the amount will be credited back to the original payment method. Refunds typically take 5-10 business days to process, depending on your bank or payment provider.

9. Payment Disputes

If you wish to dispute a payment or charge, please contact us directly before escalating the issue to your bank or payment provider. We will investigate the issue and work with you to resolve it in a timely manner.

10. Price Changes

All prices listed on our website are in GBP (£) and are subject to change. While we make every effort to ensure that pricing is accurate, errors may occasionally occur. If there is a price discrepancy between the order confirmation and the final price, we will contact you before processing the order for payment.

11. Taxes and Duties

• UK Orders:
  All prices are inclusive of VAT (Value Added Tax) for UK customers.

• International Orders:
  For customers outside the UK, prices do not include local taxes, duties, or import fees, which may be applied by your country's customs office. These additional charges are the responsibility of the customer and will be collected by the carrier upon delivery.

12. Contact Us

If you have any questions or concerns about your payment, or if you need assistance with your order, please feel free to contact us at:

Quality Foods & Wines
123 High Street,
London, UK
Email: support@qualityfoodsandwines.co.uk

By making a purchase on our website, you agree to the terms outlined in this Payment Policy.