Payment Policy

Last updated: 28 August 2026

This policy explains how payment works when you order from Style Room Co, what we accept, and how your card details are protected. It forms part of our Terms of Service.

1. Accepted Payment Methods

We accept the following at checkout:

Debit and credit cards: Visa, Mastercard, American Express, Discover and Diners Club
Digital wallets: Apple Pay, Google Pay and Shop Pay
PayPal

The methods available to you are shown at checkout before you confirm your order. If a method you expect is missing, it may not be supported for your card issuer or region.

2. Currency

All prices are shown and charged in pounds sterling (GBP).

If your card or account is held in another currency, your bank converts the amount at its own rate and may add a foreign transaction fee. That charge comes from your bank, not from us, and we have no visibility of it.

3. VAT and Import Charges

All prices include UK VAT where applicable. The price you see is the price you pay.

Some of our pieces are shipped from outside the United Kingdom. Where import VAT or customs duty applies, we settle it before your parcel reaches you. You will never be asked to pay anything on delivery. If a carrier contacts you requesting a payment before releasing a parcel, do not pay it — contact us first at info@style-room.co.uk.

4. When Payment Is Taken

Payment is taken in full at the moment you place your order. We do not offer part payment, deposits or payment on delivery.

Placing an order is an offer to buy. A contract exists only once we send you a dispatch confirmation. If we cannot fulfil your order — because an item is unavailable, a pricing error is found, or we cannot deliver to your address — we refund you in full.

5. Card Security

Payments are processed by our payment providers over an encrypted connection. We never see or store your full card number. Card details are handled directly by the payment provider under PCI DSS standards and are not stored on our systems.

Our site runs entirely over HTTPS. Never send card details to us by email, and we will never ask you to.

6. Failed and Declined Payments

A payment can be declined for reasons we cannot see, including insufficient funds, an expired card, an address that does not match your bank's records, or your bank's own fraud checks.

If your payment is declined, no order is created and no goods are reserved. Check your details and try again, use a different method, or contact your bank. If a declined payment still shows as pending on your statement, it is an authorisation hold and your bank will release it, usually within 3 to 5 business days.

7. Fraud Prevention

All orders are screened for fraud. We may cancel an order and refund it in full where we have reasonable grounds to suspect fraudulent or unauthorised use of a payment method, or where billing and delivery details cannot be verified.

Occasionally we may contact you to confirm details before dispatch. This is a routine check and not a sign that anything is wrong.

8. Pricing Errors

We take care to price accurately. If an error is found after you order, we will contact you before dispatch and offer you the choice of continuing at the correct price or cancelling for a full refund. Where a price is obviously wrong and could reasonably have been recognised as such, we are not obliged to supply at that price.

9. Refunds

Refunds are issued to the original payment method. We cannot refund to a different card or account.

Approved refunds are processed within 14 days of us receiving returned goods, and usually within 5 business days. Your bank or card issuer may take a further 3 to 5 business days to post the funds. Full details are in our Refund Policy.

10. Chargebacks

If something is wrong with your order, please contact us first. We reply within 24 hours on a business day and can almost always resolve matters faster than a chargeback, which typically takes your bank several weeks.

Where a chargeback is raised, we will supply the card issuer with the order record, delivery tracking and our correspondence with you.