Payment Policy

This Payment Policy explains how payments are handled when you place an order on momentmode.co.uk.

Nothing in this policy affects your statutory rights as a UK consumer.

1. Currency

All prices on our website are shown in pounds sterling (GBP, £).

We charge orders in GBP only.

If you use a card or payment method issued in another currency, your bank, card issuer, or payment provider may apply currency conversion or international transaction fees. These charges are set by your payment provider and are not controlled by MomentMode.

2. Accepted Payment Methods

We accept the payment methods shown at checkout.

Available payment options may include major debit cards, credit cards, and other supported online payment methods.

The exact payment methods available may depend on your device, browser, location, and the payment services enabled at checkout.

We do not accept payment by bank transfer, cheque, postal order, cryptocurrency, or cash.

3. When Payment Is Taken

Payment is taken when you place your order at checkout.

After payment is completed, your order enters our order processing queue.

If we are unable to fulfil your order, for example because an item is unavailable, a clear pricing error has occurred, or payment cannot be verified, we will contact you and refund the order where applicable.

Refunds are issued to the original payment method.

4. Pricing

All prices are displayed in GBP (£).

Prices include VAT where applicable.

Standard UK shipping is free on all orders.

The total order cost is shown clearly at checkout before you confirm payment.

Prices may change from time to time, but changes will not affect orders that have already been placed, except where there is a clear pricing error.

5. Pricing Errors

We aim to keep all prices accurate, but errors may occasionally happen.

If a product is listed at an obvious incorrect price, we may contact you before dispatch. In this case, we may:

• Offer you the option to continue with the order at the correct price
• Cancel the order and issue a full refund to the original payment method

We are not required to fulfil orders at an obvious pricing error.

6. Payment Security

Payments are processed securely through third-party payment providers.

MomentMode does not store your full debit card or credit card details on our website.

Depending on the payment method used, we may receive limited payment confirmation information, such as payment status, card type, transaction reference, or the last four digits of the card.

Our checkout is designed to support secure payment processing.

7. Payment Verification

Some card payments may require extra verification from your bank or payment provider. This may include a one-time passcode, banking app approval, or another security check.

This extra verification helps protect customers from unauthorised card use.

If verification fails, the payment may be declined by your bank or payment provider. In that case, you may try again, use another payment method, or contact your bank for more information.

8. Failed or Declined Payments

If your payment is declined, your order may not be completed.

Common reasons for declined payments include:

• Incorrect card details
• Incorrect billing address
• Insufficient funds
• Bank security checks
• Failed payment verification
• Payment provider restrictions

MomentMode may not receive the exact reason for a declined payment.

If payment appears to have been taken but you do not receive an order confirmation email, please check your spam or junk folder first. If you still cannot find it, contact us with the date, time, and amount of the payment attempt.

9. Pending Authorisations

In some cases, your bank may show a pending payment or authorisation after an unsuccessful, cancelled, or incomplete order.

A pending authorisation is not always a completed charge. It is usually released automatically by your bank or payment provider within a few working days.

If you are unsure, please contact your bank or payment provider first, as they control how pending authorisations appear on your account.

10. Refunds

Approved refunds are issued to the original payment method.

Refunds are processed within 10 business days after we receive and approve the returned item, where a return is required.

After we issue a refund, your bank, card issuer, or payment provider may take additional time to show the funds in your account.

For fraud prevention and payment security, we cannot refund to a different card, bank account, or payment method.

Full return and refund details are explained in our Returns & Refunds Policy.

11. Order Confirmation and Receipts

After placing an order, you should receive an order confirmation email.

This email includes your order details, items purchased, and order total.

If you need a copy of your order confirmation or receipt, please contact us at info@momentmode.co.uk with your order number.

12. Disputed Payments and Chargebacks

If you do not recognise a payment from MomentMode, please contact us first so we can help check the order details.

Email: info@momentmode.co.uk

If a payment dispute or chargeback is opened for an order that has been correctly processed and delivered, we may provide order details, delivery confirmation, and related communication to the payment provider as part of the dispute process.

13. Fraud Prevention

We may cancel, hold, or request additional verification for an order if we have reasonable grounds to suspect fraud, unauthorised payment use, or incorrect customer information.

Examples may include unusual order activity, repeated failed payment attempts, or information that cannot be verified.

If we cancel an order after payment has been taken, we will issue a refund to the original payment method where applicable.

14. Contact

For payment-related questions, please contact us:

MomentMode
72 Cross St, Farnworth
Bolton BL4 7AJ
United Kingdom

Email: info@momentmode.co.uk
Phone: +44 1204 703730

Customer support hours:
Monday to Friday, 9:00 AM – 5:00 PM GMT