Secure Payment Policy
This Secure Payment Policy explains how payments are processed on our Website and how we protect your information during checkout. The Website is operated by Mind the Groove Ltd (GarderobAid), 5 Chigwell Road, London, E18 1LR, United Kingdom. For any questions, contact info@garderobaid.co.uk.
Payment Methods
We accept secure online payments via trusted providers. Available options at checkout may include PayPal, Revolut, and debit/credit cards processed through these gateways (for example, Visa and Mastercard). The available methods shown at checkout are the definitive options for your order.
Encryption and Transport Security
All checkout pages are served over HTTPS using SSL/TLS encryption. This means information transmitted between your browser and our checkout is encrypted in transit to reduce the risk of interception.
Card Data Handling
We do not store or process full payment card numbers on our servers. Cardholder data is captured and processed by our payment providers (such as PayPal and Revolut) in their secure, PCI DSS–compliant environments. Where tokenisation is used, only a non-sensitive token is returned to us for order confirmation and refunds.
Strong Customer Authentication
Where required, payments may be authenticated using 3D Secure (for example, Verified by Visa / Mastercard Identity Check) under Strong Customer Authentication (SCA) rules. You may be asked to verify a code or confirm within your banking app to complete payment.
Fraud Prevention
To protect our customers and our business, we use risk checks provided by our payment processors, which may include AVS address checks, CVV verification, device and behavioural analysis, velocity checks, and block/allow rules. We may also manually review orders and request additional verification before shipping.
Billing, Currency, and Charges
Orders are charged in British Pounds (GBP £) unless otherwise stated at checkout. Any currency conversions performed by your card issuer or wallet provider may incur their fees or different exchange rates. Ensure your billing details are accurate to avoid delays or declines.
Authorisations, Declines, and Errors
When you place an order, your payment method may be authorised for the order total. If a transaction is declined or we cannot verify details, we may cancel the order and any pending authorisation will be released by your bank or wallet provider according to their timelines.
Refunds and Cancellations
If your order is cancelled or refunded under our Returns Policy, we will issue the refund to the original payment method. Once processed, fund availability depends on your bank or wallet provider’s timelines. Partial refunds (for example, excluding shipping) will be clearly shown on your refund confirmation.
Chargebacks and Disputes
If you believe a payment was made in error or without authorisation, please contact us first at info@garderobaid.co.uk. You may also dispute the transaction with your bank or payment provider (e.g., PayPal or Revolut) under their buyer protection processes. We will provide all relevant order and delivery evidence during investigations.
Your Security Responsibilities
Keep your account password and device secure, log out after use on shared devices, and never share one-time codes or banking app approvals. Always check that your browser shows a padlock and our correct domain in the address bar during checkout. If you suspect phishing or unauthorised activity, contact us immediately.
Personal Data and Privacy
We share only the information necessary to process your payment with our payment providers. For details on how we collect, use, and protect your personal data, please see our Privacy Policy. Our providers may act as independent controllers for some processing necessary to combat fraud and meet legal obligations.
Updates to This Policy
We may update this Secure Payment Policy from time to time to reflect changes in regulation, payment provider requirements, or best practice. Changes take effect when posted on this page. Continued use of our checkout after an update constitutes acceptance of the revised policy.