Last updated: October 2026
At XPENYO, we aim to provide a convenient and secure shopping experience. This Payment Policy explains the payment methods available on our website, how payments are processed and what you can expect when placing an order.
1. Accepted Payment Methods
We accept the payment methods displayed at checkout. Depending on availability, these may include:
- Visa
- Mastercard
- American Express
- PayPal, where available
- Apple Pay, where available
- Google Pay, where available
- Other payment methods presented at checkout
Payment options may vary depending on your device, location, currency and payment provider. Please check the available options before completing your purchase.
2. Currency and Prices
Product prices are displayed in the currency shown on our website and at checkout. For customers shopping in the United Kingdom, prices may be displayed in pounds sterling (GBP), depending on your store settings.
The final order total, including any applicable delivery charges and taxes, will be shown before you submit your order.
If your payment card or account uses a different currency, your bank or payment provider may apply its own exchange rate or additional fees.
3. Secure Payment Processing
Payments are processed through the payment providers available at checkout. These providers use security measures designed to protect payment information during transactions.
Depending on the payment method, additional verification may be required to authorise your purchase.
Your payment information is handled in accordance with the applicable payment provider's terms and privacy practices. We do not intentionally store complete payment card details on our own systems.
4. Payment Authorisation and Order Processing
Payment authorisation and collection take place according to the payment method selected and the terms of the relevant payment provider.
Orders can only be processed once the necessary payment authorisation or confirmation has been received. If a payment is declined, remains pending or cannot be verified, order processing may be delayed.
If we cannot complete your order, we will take appropriate steps to notify you and arrange any refund due in accordance with applicable law.
5. Billing Information
Please ensure that your billing details are accurate and complete when placing an order. Incorrect information may cause a payment to be declined or require additional verification.
If you experience a billing issue, please check your details and contact your payment provider if necessary. You may also contact our customer service team for assistance with your order.
6. VAT and Other Applicable Charges
Any applicable VAT, delivery charges or other mandatory costs will be displayed at checkout before you complete your purchase, as required by applicable law.
If an order involves delivery from outside the United Kingdom, additional import duties, taxes or handling charges may apply depending on the shipping arrangement and applicable regulations. Where relevant, information about such charges should be provided before purchase.
7. Fraud Prevention and Verification
To help protect customers and our business, orders may be subject to payment security checks and fraud prevention screening.
Where reasonably necessary, we may request additional information to verify a transaction. If a payment appears unauthorised or cannot be verified, we may delay or cancel the order, subject to applicable law.
8. Refunds and Payment Reversals
Approved refunds will generally be returned to the original payment method, unless otherwise required or permitted by law or agreed with you.
Refund processing times may vary depending on the payment provider and your bank. Once a refund has been issued, it may take additional time to appear in your account.
For information about eligibility, cancellations, returns and refund timeframes, please refer to our Returns and Refund Policy.
Nothing in this policy limits your statutory rights under applicable UK consumer law.
9. Payment Issues and Disputes
If you believe that you have been charged incorrectly or notice an unfamiliar transaction relating to an XPENYO order, please contact us with your order details so that we can investigate.
If the issue concerns your card or payment account, you should also contact your bank or payment provider.
10. Contact Us
If you have any questions about payments, billing or transactions, please contact us:
Email: sales@xpenyo.com
Telephone: +44 7882 517790
Address:
110 Cunningham Road, Tamerton Foliot,
Plymouth, PL5 4PU,
United Kingdom
Website: https://xpenyo.com/
Thank you for shopping with XPENYO. We appreciate your trust and aim to make every shopping experience straightforward and secure.