Payment Policy

PAYMENT POLICY

Last Updated: 15 September 2026

At LARA & JAMES, we aim to provide customers with a simple, transparent and secure payment experience.

This Payment Policy explains the payment methods available through our website, how payments are processed, and how payment-related issues and refunds are handled.

1. ACCEPTED PAYMENT METHODS

We currently accept the following payment methods where displayed as available during checkout:

  • American Express
  • Apple Pay
  • Google Pay
  • Maestro
  • Mastercard
  • PayPal
  • Shop Pay
  • UnionPay
  • Visa

Available payment methods may vary depending on your device, location, bank or payment provider.

Only payment methods displayed as available during checkout can be used to complete an order.

2. CURRENCY

All prices on our United Kingdom store are displayed and processed in:

British Pounds Sterling (GBP)

If your payment method uses another currency, your bank or payment provider may perform a currency conversion.

Any exchange rates, international transaction fees or conversion charges applied by your bank or payment provider are outside the control of LARA & JAMES.

3. SECURE PAYMENT PROCESSING

Payments are processed through Shopify and authorised payment providers.

Our checkout uses secure technology designed to protect your personal and payment information during transmission.

LARA & JAMES does not store complete payment card numbers on its own systems.

Payment information is handled directly by the applicable payment provider.

4. PAYMENT AUTHORISATION

When you place an order, your selected payment method may be authorised or charged for the total amount shown during checkout.

Depending on your bank or payment provider, a transaction may temporarily appear as:

  • Pending
  • Processing
  • Authorised
  • Reserved

A temporary authorisation does not necessarily represent an additional charge.

The time required for a pending authorisation to update or disappear is determined by your bank or payment provider.

5. ORDER CONFIRMATION

An order is considered successfully submitted when:

  • Your payment has been successfully authorised or processed
  • You receive an order confirmation email

If payment cannot be successfully completed, the order may not be accepted.

Please ensure that the email address entered during checkout is correct.

6. FAILED OR DECLINED PAYMENTS

A payment may be declined for reasons including:

  • Incorrect card information
  • Incorrect billing information
  • Insufficient funds
  • Expired payment method
  • Bank security restrictions
  • Failed authentication
  • Online transaction restrictions
  • Fraud-prevention checks

If your payment is declined, please verify that the information entered during checkout matches the information registered with your bank or payment provider.

You may need to contact your bank or payment provider for further assistance.

LARA & JAMES cannot override payment decisions made by your bank or payment provider.

7. FRAUD PREVENTION AND VERIFICATION

To protect our customers and our business, orders may be subject to automated or manual payment and fraud-prevention checks.

Where reasonably necessary, we may request additional information to verify:

  • Customer identity
  • Billing information
  • Payment authorisation
  • Order legitimacy

We reserve the right to delay or cancel an order where payment cannot be verified or fraudulent or unauthorised activity is reasonably suspected.

If an order is cancelled after payment has already been collected, the applicable amount will be refunded to the original payment method.

8. PRICING

We aim to ensure that all prices displayed on our website are accurate.

The price shown during checkout is the amount payable for your order, subject to any clearly displayed applicable adjustments.

If an obvious pricing or technical error occurs, we may contact you before processing the affected order.

Where appropriate, you may be offered the option to:

  • Continue with the order at the correct price
  • Cancel the affected order

If an order is cancelled after payment has been collected, the applicable amount will be refunded.

9. REFUNDS

Approved refunds are issued to the original payment method used for the purchase.

Refunds under our Return & Refund Policy are generally processed within:

5–7 business days after approval

After the refund has been processed by LARA & JAMES, your bank, card issuer or payment provider may require additional time before the refunded amount appears in your account.

The time required for funds to appear is controlled by your payment provider.

For complete information about returns and refunds, please refer to our Return & Refund Policy.

10. CANCELLED ORDERS

Where an eligible order cancellation is approved before fulfilment or dispatch, any payment already collected will be refunded to the original payment method.

Once an order has entered processing, fulfilment or shipment, cancellation may no longer be possible.

Please refer to our Return & Refund Policy for additional information.

11. DUPLICATE OR PENDING CHARGES

Your bank or payment provider may occasionally display a temporary pending authorisation alongside a completed transaction.

This does not necessarily mean that you have been charged twice.

If you believe that a genuine duplicate transaction has occurred:

  1. Check your bank or payment account.
  2. Allow pending authorisations sufficient time to update.
  3. Contact your bank or payment provider.
  4. Contact LARA & JAMES if further assistance is required.

12. PAYMENT ISSUES

If you experience a payment issue, please check that:

  • Your billing information is correct
  • Your billing address matches your bank records
  • Your payment method has not expired
  • Sufficient funds or credit are available
  • Your bank permits online transactions
  • Your bank permits international transactions where applicable

If you still require assistance, contact us.

Email: support@laraandjames.com

Phone: +44 7737 141295

Never send complete card numbers, security codes, passwords or other sensitive payment credentials by email.

13. PAYMENT PRIVACY

Payment-related personal information is handled in accordance with our Privacy Policy.

Payment information may be processed where reasonably necessary to:

  • Complete transactions
  • Prevent fraud
  • Issue refunds
  • Resolve payment disputes
  • Meet applicable legal obligations

For further information, please refer to our Privacy Policy.

14. BUSINESS INFORMATION

Store Name: LARA & JAMES

Chamber of Commerce (KvK) Number: 96603585

VAT Identification Number: NL005220134B41

Business Address:

Van Manenerf 14
3907 MA Veenendaal
Utrecht
Netherlands

Website: www.laraandjames.com

15. CUSTOMER SUPPORT

For questions about payments, refunds or orders, please contact us.

Email: support@laraandjames.com

Phone: +44 7737 141295

Customer Service Hours — UK Time:

Monday–Friday: 9:00 AM–7:00 PM
Saturday–Sunday: 10:00 AM–4:00 PM

We aim to respond within 24 hours on business days