Payment Policy

Last updated: 22 July 2026

This Payment Policy explains how payments are processed for orders placed through fjordnest.co.uk.

At FjordNest, we aim to provide a secure, transparent and straightforward checkout experience.

1. Payment Currency

All prices and payments on our website are displayed and processed in pounds sterling, or GBP (£).

If you use a payment method or bank account held in another currency, your bank or payment provider may apply:

  • Currency conversion charges;

  • International transaction fees; or

  • Its own exchange rate.

These additional charges are determined by your payment provider and are not controlled by FjordNest.

2. Accepted Payment Methods

The payment methods currently available will be displayed during checkout.

Depending on your device, location and payment provider, these may include:

Credit and debit cards

We may accept major credit and debit cards, including:

  • Visa;

  • Mastercard;

  • American Express; and

  • Other supported cards displayed at checkout.

To pay by card:

  1. Select the card payment option at checkout;

  2. Enter your card and billing details;

  3. Complete any security verification requested by your bank; and

  4. Submit your order.

PayPal

Where available, PayPal allows you to complete your purchase using your PayPal account.

To pay using PayPal:

  1. Select PayPal during checkout;

  2. Sign in to your PayPal account;

  3. Review and confirm the payment; and

  4. Return to FjordNest to view your order confirmation.

PayPal processes your payment under its own terms and privacy policy.

Apple Pay and Google Pay

Apple Pay and Google Pay may be available on compatible devices and browsers.

To use one of these services, select the relevant option during checkout and approve the payment using the authentication method enabled on your device, such as:

  • Face ID;

  • Touch ID;

  • Fingerprint authentication;

  • Device passcode; or

  • Another supported security method.

Availability depends on your device, browser, bank and payment provider.

3. Payment Authorisation

Your order will only proceed once your payment has been successfully authorised.

When you submit an order, your payment provider may carry out security and fraud-prevention checks.

A payment may be declined because of:

  • Incorrect card or billing information;

  • Insufficient funds;

  • An expired card;

  • Security restrictions imposed by your bank;

  • Failed identity verification; or

  • Suspected fraudulent or unusual activity.

FjordNest does not control the approval or rejection decisions made by banks and payment providers.

If your payment is declined, please check the information entered or contact your bank or payment provider.

4. When Payment Is Taken

Payment will normally be authorised or collected when you submit your order.

Receiving a payment confirmation does not necessarily mean that your order has been accepted.

A contract is formed when we confirm that your order has been accepted or dispatched, as explained in our Terms and Conditions.

If we are unable to accept or fulfil your order after payment has been collected, we will cancel the order and issue a refund to the original payment method.

5. Payment Security

Payments made through our website are processed using secure third-party payment providers.

Our website uses encrypted connections designed to protect information transmitted during checkout.

FjordNest does not normally receive or store your complete card number or card security code. These details are handled by the relevant payment provider.

Payment providers may include:

  • Shopify Payments;

  • PayPal;

  • Apple Pay;

  • Google Pay; and

  • Other providers displayed during checkout.

Each provider processes payment information according to its own security procedures, terms and privacy policy.

6. Billing Information

You must provide accurate and complete billing information when placing an order.

The billing information submitted may need to match the information held by your bank or payment provider.

Incorrect or incomplete information may result in:

  • Payment being declined;

  • Additional verification;

  • Delayed order processing; or

  • Cancellation of the order.

Please contact us promptly if you notice an error in your billing information.

7. Fraud Prevention and Verification

To protect our customers and business, orders may be reviewed for suspected fraud or unauthorised payment activity.

We may ask you to provide additional information to verify:

  • Your identity;

  • Your billing address;

  • Your delivery address; or

  • Your authority to use the selected payment method.

We may delay, refuse or cancel an order where we reasonably believe that:

  • Payment is unauthorised;

  • Information supplied is false or inconsistent;

  • Fraudulent activity may be involved; or

  • Additional verification has not been completed.

Any information collected for verification will be handled in accordance with our Privacy Policy.

8. Payment Confirmation

After successfully submitting an order, you should receive an order confirmation by email.

Please check your spam or junk folder if the email does not appear in your inbox.

An order confirmation normally includes:

  • Your order number;

  • The products ordered;

  • The amount paid;

  • Your billing and delivery details; and

  • The selected payment method.

For security reasons, complete card details will not appear in the confirmation.

Please contact us if you believe that a payment was completed but you did not receive an order confirmation.

9. Pending Payments

Some payments may appear as pending while your bank or payment provider completes its checks.

A pending transaction does not always mean that payment has been fully collected.

If an unsuccessful order leaves a temporary pending charge, the charge will normally be released automatically by your bank. The time required depends on the payment provider.

Please contact your bank if a pending charge remains visible for an unusually long period.

10. Duplicate Payments

If you believe that you have been charged more than once for the same order, please contact us and include:

  • Your full name;

  • Your order number;

  • The transaction dates;

  • The amounts charged; and

  • A screenshot or bank reference, where available.

Do not send complete card numbers, card security codes or online banking passwords by email.

We will investigate the payment records and issue an appropriate refund if a duplicate payment is confirmed.

11. Refunds

Approved refunds are issued to the original payment method used for the order.

We cannot normally issue a refund to:

  • A different card;

  • A different PayPal account;

  • A different bank account; or

  • Another payment method.

After we issue a refund, your bank or payment provider may require additional time to credit the funds to your account.

For further information about cancellations, returns and refund processing, please read our Returns and Refunds Policy.

12. Promotions and Discount Codes

Discount codes must be entered before the order is submitted.

Unless otherwise stated:

  • Discount codes cannot be applied after an order has been placed;

  • Only one discount code may be used per order;

  • Discount codes cannot be exchanged for cash;

  • Expired codes will not be accepted; and

  • Promotions may be subject to additional conditions.

Any refund will be based on the amount actually paid after discounts have been applied.

13. Taxes and Additional Charges

The total amount payable to FjordNest will be displayed during checkout before you complete your order.

We do not add undisclosed payment charges after an order has been submitted.

Your bank or payment provider may apply its own fees, such as currency conversion or international transaction charges. These charges are separate from your FjordNest order.

14. Contact Information

For questions about payments, pending transactions or suspected duplicate charges, please contact:

Business name: FjordNest
Website: fjordnest.co.uk
Email: contact@fjordnest.co.uk
Telephone: +55 11966071673
Business address: Rua José da Frota Holanda, Parque Boturussu, São Paulo, Brazil

Customer service hours:
Monday to Friday, 9:00 am to 5:00 pm, UK time.