Payment Policy

Loravella accepts Visa, Mastercard, American Express, Apple Pay and Google Pay. All payments are taken in pounds sterling (GBP) through an encrypted checkout. We never see or store your full card number.

1) Accepted payment methods

We accept the following payment methods for online purchases, as shown at checkout:

Visa
Mastercard
American Express
Apple Pay
Google Pay

All payments are processed in pounds sterling (GBP) and completed through a secure, encrypted checkout that protects your personal and payment data. We do not accept cash on delivery, bank transfer, cheque or cryptocurrency.

2) Payment security

The whole Loravella online store runs over an encrypted HTTPS connection. Card details are captured and processed by our PCI-DSS certified payment provider on their own systems, not on ours - they reach us only as a masked reference such as the last four digits and the card brand. We do not store full card numbers, expiry dates or security codes, and we have no way to retrieve your complete payment information.

3) When you are charged

Your chosen payment method is charged when you place the order. Some banks first display a temporary authorisation hold rather than a completed charge; this is a normal banking step and updates automatically, usually within a few working days. If an order fails or is cancelled before dispatch, any authorisation is released by your bank - we do not need to do anything for that to happen.

4) Prices and currency

Every price on the site is shown in pounds sterling (GBP), includes VAT, and is the final price you pay. Shipping is free on every order, so nothing is added at checkout. Because we ship within the United Kingdom only, there are never customs duties or import charges. If your card is denominated in another currency, your bank may apply its own conversion rate and a foreign transaction fee - that is between you and your bank and we have no visibility of it.

5) If a payment fails

If a payment is declined at checkout, first check that the billing address and postcode you entered match exactly what your bank holds, that the card has not expired, and that online payments are enabled on it. Declines are almost always a bank-side security rule rather than a problem with our site. If it still fails, contact us:

E-mail: info@loravella.com
Phone: +44 7882 776427

We will help you complete the order. Please do not send card details by e-mail or read them to us over the phone - we will never ask for them and we cannot accept them.

6) Fraud prevention

To keep transactions safe for everyone, orders may be reviewed before dispatch. If something looks irregular we may contact you to confirm the order details before we ship. If we cannot verify an order we will cancel it and refund the payment in full rather than send it to an unverified address.

7) Refunds

Refunds are always issued to the original payment method - we cannot pay a refund to a different card, account or person. We refund within 5 days (Monday to Friday) of receiving and inspecting a return (and within 14 days of your notice if you exercise your statutory right to cancel), and your bank then takes a further 3 - 5 days (Monday to Friday) to show it. Full terms are in our Refund Policy.

8) Invoices

Your order confirmation e-mail is your receipt and shows the full amount paid, VAT included. If you need a separate invoice for your records, e-mail info@loravella.com with your order number and we will send one.