Payments Policy

1. Payment Transparency and Security

At Garvee, operated by ASSAM INDUSTRIAL LTD, ensuring the security of your financial information is our top priority. We want you to shop with confidence, knowing that your transactions are protected by the highest industry standards.

2. Accepted Payment Methods

We accept a variety of secure payment methods to offer you flexibility and convenience. During checkout, you can choose from the following options:

We accept the following payment methods on our website:
  • Visa
  • Mastercard
  • American Express
  • Diners Club
  • Discover
  • JCB
  • Venmo
  • PayPal
  • Klarna (Buy now, Pay later options)
  • Local Payment via Klarna

3. Secure Payment Processing (SSL & PCI-DSS)

We use Secure Socket Layer (SSL) technology to encrypt your payment data during transmission. You can verify this by looking for the padlock icon in your browser's address bar during checkout.

Furthermore, our store is hosted on Shopify, which is certified Level 1 PCI DSS compliant (Payment Card Industry Data Security Standard). This means:

  • We adhere to the strictest standards for payment security.
  • We do not store, view, or have access to your full credit card number or CVC code. All sensitive payment information is handled directly by our secure payment processors.

4. Currency and Taxes (VAT)

  • Currency: All transactions on garvee.co.uk are processed in British Pounds Sterling (£ GBP).
  • Pricing: The total amount charged to your payment method will be the exact GBP sum shown at the final stage of checkout.
  • VAT: Unless otherwise stated, all prices displayed on our website are inclusive of UK Value Added Tax (VAT) at the applicable rate.
  • No Hidden Fees: We do not charge any extra transaction fees for using the payment methods listed above. However, if you are using a non-UK bank card, your card issuer may charge a foreign transaction fee, for which we are not responsible.

5. Payment Authorisation and Troubleshooting

When am I charged?
Your payment method will be authorised and charged immediately upon placing your order. This ensures your items are reserved and prepared for dispatch without delay.

Payment Failed?
If your payment is declined, please check the following:

  • Ensure your card details (number, expiry date, CVC) are entered correctly.
  • Check that your billing address matches the address registered with your bank.
  • Ensure you have sufficient funds.
  • Contact your bank to authorise the transaction if they have flagged it for security.

6. Handling of Refunds

Refunds are processed in accordance with our Return & Refund Policy. All refunds will be issued to the original payment method used for the purchase. Please allow 5-10 business days for the funds to appear in your account, depending on your bank or payment provider's processing times.

7. Contact Information

If you have any questions regarding payments, billing, or charges, please contact our customer support team:

ASSAM INDUSTRIAL LTD
Trading As: Garvee
Registered Office: 9 PANTYGRAIGWEN ROAD, PONTYPRIDD, CF37 2RR, UNITED KINGDOM
Email: support@garvee.co.uk