Payment and Security Policy
This Payment and Security Policy explains how payments are accepted and processed when you place an order through londonpoint.co.uk.
London Point Ltd aims to provide customers with clear payment information and a secure online checkout process.
1. Business Information
| Business information | Details |
|---|---|
| Legal business name | London Point Ltd |
| Company registration number | 15666606 |
| VAT registration number | 474448071 |
| Registered office |
124 City Road London EC1V 2NX United Kingdom |
2. Available Payment Methods
We accept the payment methods displayed during the secure checkout process.
The methods available for a particular order may depend on:
- The payment services currently enabled on our store.
- Your location and billing information.
- Your device and browser.
- The currency used for the transaction.
- The value and contents of your order.
- Eligibility requirements set by the relevant payment provider.
The payment options displayed during checkout are the payment methods currently available for your order.
A payment method not displayed during checkout is not available for that transaction.
3. Prices, VAT and Delivery Charges
All prices displayed on our website are shown in British Pounds Sterling (GBP).
Unless clearly stated otherwise, product prices include applicable UK VAT.
Standard delivery is free for eligible UK orders. Any charge for an optional additional service will be clearly displayed before you submit payment.
The complete amount payable will be shown during checkout before you place your order.
4. Payment Authorisation
Payment must be successfully authorised before an order can be processed.
When you submit payment, the relevant payment provider may verify:
- The payment information entered during checkout.
- Whether sufficient funds or credit are available.
- Billing-address information.
- Security and fraud-prevention information.
- Any additional authentication required by your bank or payment provider.
Submitting payment does not guarantee that the payment will be authorised or that the order will be accepted.
5. Additional Payment Authentication
Your bank, card issuer or payment provider may require an additional authentication step before approving a payment.
This may include confirming the transaction through:
- A banking application.
- A one-time security code.
- Biometric verification.
- Another verification method selected by your payment provider.
London Point Ltd does not control the authentication method used by your bank or payment provider.
6. Secure Checkout
Orders and payments are submitted through Shopify's checkout and the payment services enabled for our online store.
Connections to our website and checkout use encrypted HTTPS technology to help protect information while it is transmitted between your browser and the relevant online services.
You should check that your browser displays a secure connection and that the website address begins with https:// before entering payment information.
7. Payment Card Information
Full payment card details are normally entered directly into the checkout and processed by the applicable payment service provider.
London Point Ltd does not ask customers to send full payment card details by email, text message, social media or telephone.
Please do not send us:
- Your complete card number.
- Your card security code.
- Your online-banking password.
- Your payment-account password.
- One-time authentication or security codes.
London Point Ltd may receive limited transaction information such as the payment status, transaction reference, payment type and a limited portion of the payment identifier where required to manage an order, refund or payment enquiry.
8. Payment Verification and Fraud Prevention
Orders may be reviewed using payment-security and fraud-prevention checks operated by London Point Ltd, Shopify or the applicable payment provider.
An order may be delayed or placed under review where:
- Payment information cannot be verified.
- The billing and payment information is inconsistent.
- Unusual or potentially unauthorised activity is detected.
- Additional information is reasonably required to confirm the order.
Where further verification is reasonably required, we may contact you using the email address or telephone number supplied with the order.
We will not ask you to disclose a full payment-card number, card security code, banking password or one-time authentication code.
9. Declined or Unsuccessful Payments
A payment may be declined or unsuccessful for reasons determined by your bank, card issuer or payment provider.
Possible reasons may include:
- Incorrect payment information.
- Insufficient funds or available credit.
- An expired or restricted payment method.
- A failed authentication check.
- A transaction limit.
- A security or fraud-prevention decision.
If a payment is unsuccessful, check the information entered or contact your bank or payment provider.
London Point Ltd may not be provided with the full reason for a payment being declined.
10. Pending Payments
Some payments may temporarily appear as pending while they are being reviewed or processed by the bank or payment provider.
A pending amount does not necessarily mean that London Point Ltd has received or accepted the payment.
If an unsuccessful or cancelled transaction remains visible as pending, your bank or payment provider can explain when the temporary authorisation will be released.
11. Order Confirmation and Acceptance
After placing an order, you should receive an order acknowledgement at the email address supplied during checkout.
This email confirms that we have received your order request. It does not by itself mean that the order has been accepted.
A contract is formed when London Point Ltd sends a dispatch confirmation or otherwise confirms acceptance of the order.
If you do not receive an order email, please check your spam or junk folder and confirm that the email address supplied during checkout was correct.
12. Payment Receipts and Records
Your order confirmation will contain information about the products ordered and the amount submitted for payment.
Please retain your order confirmation and any payment-provider confirmation for your records.
If you require assistance identifying a transaction, contact us with your order number and the name and email address used during checkout.
13. Refunds
Approved refunds will normally be issued to the original payment method used for the order unless another method is required by law or agreed with you.
We aim to process approved refunds within 5 days after receiving the returned goods or acceptable evidence that the goods have been returned, as applicable.
After London Point Ltd processes a refund, your bank or payment provider may require additional time to display the amount in your account.
Further information is available in our Returns & Refund Policy.
14. Payment Data and Privacy
Personal information connected with payments and orders is handled in accordance with our Privacy Policy.
Payment providers may also process information under their own terms and privacy notices where they act independently.
15. Protecting Yourself When Shopping Online
To help protect your information:
- Use a private and trusted device when placing an order.
- Avoid entering payment information over unsecured public networks.
- Keep your device, browser and security software updated.
- Use strong and unique passwords.
- Do not share payment authentication codes with another person.
- Contact your payment provider promptly if you identify an unauthorised transaction.
Emails from London Point Ltd concerning an order will not ask you to send full card details or account passwords.
16. Contact Us
If you experience a checkout problem or have a question about a payment or refund, please contact:
London Point Ltd
Email: sales@londonpoint.co.uk
Telephone: 020 3916 6120
Mobile: +44 7507 919525
Business hours: Monday to Friday, 9:00 AM to 5:00 PM, UK time
Please include your order number where applicable, but do not send full payment-card information or security codes.