This Payment Policy explains how payments are handled when you place an order with Oakverly at oakverly.co.uk. Oakverly is operated by Jordan Owen Buxton.

1. Currency, prices and taxes

Our UK store displays prices and accepts payments in pounds sterling (GBP, £). Prices shown to UK customers include any applicable taxes.

Your order total, including any applicable discount and delivery charge, is displayed at checkout before you confirm your purchase. Please review the items, quantities, delivery address and total before placing your order.

Standard UK shipping is free, with no minimum order value. Please read our Shipping Policy for delivery details.

2. Accepted payment methods

You can pay using the payment methods displayed at our checkout. The available options may depend on your device, the payment provider and eligibility for a particular payment method.

The payment options shown for your order are the options available for that purchase. Follow the instructions for your selected method to complete payment.

3. Payment authorisation and completion

By confirming your order, you authorise payment of the total shown at checkout using your chosen payment method.

Depending on the method and payment provider, a payment may first be authorised and then completed. Your bank may display a temporary pending authorisation before a completed charge appears.

Full payment must be successfully completed before we dispatch your order. If you are unsure whether a payment has completed, contact us with your order number or the email address used at checkout.

Order acceptance and contract formation are explained in our Terms of Service.

4. Payment processing and verification

Payments are processed through the payment services available in our Shopify checkout. Your payment provider or bank may request additional authentication, such as approval in a banking app or another verification step.

Enter payment details only through checkout or the payment provider's official payment page. Please do not send full card numbers, card security codes, passwords or banking verification codes by email or telephone.

For information about how personal information is handled, please read our Privacy Policy and the privacy information provided by your selected payment service.

5. Declined or unsuccessful payments

If your payment is declined or does not complete:

• Check that your payment details and billing address are correct.
• Complete any authentication requested by your bank or payment provider.
• Check with your bank or provider if it continues to decline the payment.
• Use another payment option displayed at checkout, if available.

If your account shows a payment but you have not received an order confirmation, contact us before attempting another payment so we can help check the transaction.

6. Payment fees and pending entries

Oakverly does not add a payment processing fee to your order. Your bank or payment provider may apply its own charges, such as currency conversion fees, under its agreement with you.

A pending authorisation is not necessarily a completed charge. The time taken to release an unused authorisation depends on your bank or payment provider.

If you believe the same order has been charged twice, contact us with your order number, the payment dates and the amounts. Please do not send sensitive payment credentials.

7. Cancellations and refunds

Our Return and Refund Policy explains cancellation rights, return conditions, refund deadlines and the steps for requesting a refund.

Refunds are issued to the original payment method unless you expressly agree to another method. We do not charge a fee for issuing a refund.

After a refund is issued, your bank or payment provider may need additional time to show the funds in your account. Contact us with your order number if you need an update on a refund.

Nothing in this policy limits your statutory consumer rights or the rights available to you through your bank or payment provider.

8. Contact information

For payment or billing questions, contact:

Trading name: Oakverly
Business operator: Jordan Owen Buxton
Email: contact@oakverly.co.uk
Telephone: +44 7473 985315
Business correspondence address: 27 Kinder Way, Fairfield, Buxton, SK17 7TP, United Kingdom

Please include your order number, where available, so we can locate your order.