Payment Policy

Payment Policy

Last updated: [Insert Date]

Thank you for shopping with Roma Home Furnishings.
This Payment Policy outlines the terms under which payments are accepted for purchases made through our website [romahomefurnishings.com].

1. Accepted Payment Methods

We offer a range of secure payment options for your convenience. These include:

  • Credit & Debit Cards – Visa, Mastercard, American Express, and Maestro

  • PayPal – for quick, secure online payments

  • Klarna – Buy Now, Pay Later and Pay in 3 options (subject to credit approval)

  • Apple Pay and Google Pay (where available)

  • Bank Transfer (for trade or bespoke orders – contact Customer Service for details)

All payments must be made in GBP (£).

2. Secure Payment Processing

  • We use trusted third-party payment gateways to process all transactions securely.

  • Your payment details are encrypted and processed in compliance with PCI DSS (Payment Card Industry Data Security Standard).

  • Roma Home Furnishings does not store or have access to your full card information.

3. When Payment Is Taken

  • Payment is taken at the time of order, unless you are using a deferred payment method such as Klarna.

  • For made-to-order or bespoke items, full payment or a deposit may be required before production begins.

  • Your order will not be dispatched until full payment has been received and cleared.

4. Klarna Payments

If you choose to pay with Klarna, you will enter into a separate payment agreement with Klarna Bank AB.

  • Klarna’s payment options may include “Pay in 3” instalments or “Pay Later in 30 Days.”

  • Approval is subject to credit and affordability checks carried out by Klarna.

  • Late or missed payments may affect your credit rating.
    For more information, please refer to Klarna’s Terms & Conditions and Privacy Notice at www.klarna.com/uk.

5. Pricing & Currency

  • All prices are shown in Pounds Sterling (GBP) and include VAT at the current UK rate.

  • Delivery charges are calculated at checkout and displayed before you complete your order.

  • Prices may change without prior notice, but you will always be charged the price shown at the time of your order.

6. Payment Verification

To protect against fraud and ensure your security:

  • We may carry out verification checks on orders before dispatch.

  • You may be contacted to confirm your identity or address details if required.

  • If verification cannot be completed, we reserve the right to cancel the order and refund the payment.

7. Failed or Declined Payments

If your payment is declined:

  • Please ensure your billing information matches your card issuer’s records.

  • You may need to contact your bank or card provider to authorise the transaction.

  • Orders are not processed or reserved until payment is successfully completed.

8. Refunds & Cancellations

  • Refunds are processed to the original payment method used at checkout.

  • Refunds will typically appear within 5–10 working days, depending on your bank or payment provider.

  • For detailed information on returns and cancellations, please see our Returns Policy.

9. Fraud Prevention

We take online security very seriously. Any suspicious or fraudulent transactions will be reported to the appropriate authorities. We reserve the right to cancel any order if fraud is suspected.

10. Contact Us

If you have any questions regarding payments, please contact our Customer Service team:
📧 [Insert email address]
📞 [Insert phone number]
We aim to respond within 48 hours during working days