Payment Policy

At Fulham DIY, we are committed to providing a transparent, safe, and frictionless checkout experience for all our customers across the United Kingdom. This policy outlines our approved payment channels, pricing currency, tax treatment, transaction security standards, and billing practices in strict compliance with UK e-commerce consumer regulations and Google Merchant Center (GMC) guidelines.

1. Accepted Payment Methods

We support trusted, fully encrypted payment methods to ensure your transactions are handled quickly and securely. You may complete your purchase using any of the following payment channels:

Credit Cards: Visa, Mastercard, American Express
Debit Cards: Visa Debit, Mastercard Debit, Maestro
Accelerated Checkout: Shop Pay

Please note: For security and verification reasons, we do not accept cash on delivery (COD), bank transfers/BACS, personal cheques, postal orders, or international money orders.

2. Currency, Pricing, and Tax Transparency

Transaction Currency: All product listings, basket totals, and transaction settlements on our storefront are processed strictly in British Pounds (GBP £). If you use a non-UK bank card, your issuing bank will determine the exchange rate and any foreign transaction fees independently.
Value Added Tax (VAT): All retail prices displayed on the Fulham DIY storefront are inclusive of UK Value Added Tax (VAT at the statutory rate of 20%). An itemised tax invoice reflecting the tool cost and line-item VAT breakdown is generated automatically and sent with your order confirmation.
No Hidden Fees or Surcharges: The total order sum presented on your final checkout review page before clicking "Pay Now" is the final, total amount billed to your account. We never charge additional credit card transaction surcharges, payment gateway processing fees, handling charges, or packaging overheads.

3. Payment Processing & Immediate Billing

Payment Timing: When you submit your order, your chosen payment method (Credit Card, Debit Card, or Shop Pay) is charged immediately upon order authorisation.
Order Fulfilment Trigger: Once payment clearance and initial fraud-prevention screenings are completed, our warehouse management system automatically releases your order to begin the 1 to 2 business day handling process. We do not dispatch unpaid, flagged, or pending transactions.

4. Checkout Security, Data Protection, and PCI-DSS Compliance

256-Bit SSL Encryption: All checkout sessions, customer logins, and personal detail transmissions on Fulham DIY are secured via end-to-end 256-bit Secure Sockets Layer (SSL) encryption technology.
PCI-DSS Level 1 Standards: Our payment processing infrastructure operates under full Payment Card Industry Data Security Standard (PCI-DSS) Level 1 compliance.
Zero Storage of Payment Credentials: Sensitive payment card information (including full 16-digit card numbers, expiration dates, and 3- or 4-digit CVV/CVC security codes) is tokenised and handled directly by our certified payment processors. Fulham DIY never sees, captures, logs, or stores your private card credentials on our web servers.

5. Fraud Prevention & 3D Secure Verification

To protect both our customers and our business against unauthorised card use and identity fraud:

All card transactions may be subjected to mandatory 3D Secure 2.0 verification (such as Verified by Visa, Mastercard Identity Check, or American Express SafeKey).
If your card issuer triggers an additional security check, you will be prompted on-screen to authenticate the purchase via a one-time passcode (OTP), banking app push notification, or biometric scan.
If your financial institution rejects authorisation or if your billing address details cannot be verified, the order will terminate immediately. In such situations, please ensure your entered billing postcode and house number match the records registered with your bank, or contact your issuing bank for assistance.

6. Order Confirmations & Billing Inquiries

Immediately after successful payment, a confirmation email containing your unique order identifier (e.g., #FD-XXXX), a breakdown of purchased tools, applied taxes, and delivery details will be sent to the email address entered at checkout.
If you notice any billing discrepancy, duplicate charge, or clerical error on your statement, please contact our billing support team immediately with your order reference so we can investigate and correct it without delay.