Payment Methods

Last updated: September 5, 2026

This Payment Methods Policy explains how payments are accepted and processed for purchases made through Kervaniq at https://kervaniq.com.

1. Accepted Payment Methods

Kervaniq accepts the payment methods displayed as available during secure checkout.

Depending on the customer’s country, currency, device, order value, and payment-provider eligibility, available payment methods may include:

• Visa;

• Mastercard;

• American Express;

• Apple Pay;

• Google Pay;

• Shop Pay;

• Discover; and

• Diners Club.

The availability of a particular payment method is not guaranteed in every country or for every order. A payment method is available only when it is displayed and can be selected during checkout.

Payment logos displayed elsewhere on the website indicate payment methods that may be supported but do not guarantee that every method will be available to every customer.

2. Prices, Currency, and Order Total

Before submitting an order, customers can review:

• The selected products and quantities;

• Product prices;

• Billing and shipping addresses;

• The currency displayed during checkout;

• Applicable discounts;

• Applicable taxes;

• Delivery charges; and

• The final amount payable.

Product prices include applicable taxes where required by law. Any tax or mandatory charge that can reasonably be calculated in advance will be included in, or clearly disclosed as part of, the total price before the order is submitted.

The final currency and order total displayed during checkout are the amounts submitted for payment.

Free standard shipping applies to all orders, with no minimum purchase requirement. The standard shipping charge is 0 in the currency displayed during checkout.

Kervaniq does not add undisclosed payment-processing, service, handling, delivery, logistics, or carrier fees after the customer submits an order.

Customers may remain responsible for applicable customs duties, import taxes, brokerage charges, or other government-imposed destination charges that are not collected during checkout. Additional information is provided in our Shipping Policy.

3. Secure Payment Processing

Payments are processed through Shopify and authorised payment service providers.

Kervaniq does not ordinarily receive or store customers’ complete payment-card numbers, card security codes, or online-banking credentials. Payment details are transmitted directly to the applicable payment provider through secure checkout technology.

Customers should never send the following information to Kervaniq by email, telephone, contact form, or another unsecured communication method:

• Complete payment-card numbers;

• Card security codes;

• Online-banking passwords;

• Payment-account passwords; or

• Other sensitive payment credentials.

Kervaniq may receive limited payment-related information, including the payment method type, payment status, billing address, transaction identifier, and fraud-screening results.

4. Payment Authorization and Order Acceptance

When an order is submitted, the selected payment method may be authorised or charged by the applicable payment provider.

Payment must be successfully authorised before fulfilment can begin. Payment authorization does not guarantee that an order has been accepted.

An automated order confirmation acknowledges receipt of the order but does not necessarily mean that the order has been accepted. Order acceptance occurs as described in our Terms of Service, generally when Kervaniq confirms fulfilment or dispatch.

Before fulfilment begins, an order may be subject to:

• Payment authorization;

• Product-availability confirmation;

• Address verification;

• Fraud-prevention screening; and

• Other reasonably necessary order checks.

If we cannot accept an order after payment has been captured, the applicable amount will be refunded to the original payment method.

5. Pending Payment Authorizations

A temporary or pending authorization may appear on a customer’s payment account after an order attempt.

A pending authorization is not necessarily a completed charge. It may occur when a bank or payment provider temporarily reserves funds while verifying a transaction.

If an order is not completed or accepted, the bank or payment provider determines when the pending authorization is released. Kervaniq cannot directly control the time required by an independent payment provider to remove a pending authorization.

6. Declined or Failed Payments

A payment may be declined or fail because of:

• Incorrect card or billing information;

• Insufficient funds;

• An expired payment method;

• Bank or payment-provider restrictions;

• Currency or location restrictions;

• Payment-provider security checks;

• Suspected unauthorised activity; or

• Other reasons determined by the customer’s bank or payment provider.

If a payment is declined, customers should:

• Confirm that the payment information is correct;

• Confirm that the billing address matches the address held by the payment provider;

• Select another payment method displayed during checkout; or

• Contact their bank or payment provider for assistance.

Kervaniq does not control payment approval or rejection decisions made by independent banks and payment providers.

Customers should not repeatedly submit a payment if their bank indicates that the transaction is pending.

7. Verification and Fraud Prevention

Kervaniq and its payment providers may review an order before fulfilment to help prevent unauthorised transactions, identity theft, payment fraud, and other unlawful activity.

We may request non-sensitive information reasonably necessary to confirm:

• The purchaser’s identity;

• Billing or shipping information;

• Order details; or

• Authorization to use the selected payment method.

We will not request a complete card number, card security code, online-banking password, or payment-account password by email or telephone.

Kervaniq may place an order on hold, decline it, or cancel it if:

• Payment cannot be verified;

• The transaction appears fraudulent or unauthorised;

• Required order information is incomplete or inconsistent;

• The payment provider declines the transaction; or

• The order materially violates our Terms of Service.

If a captured payment is cancelled, any refund due will be returned to the original payment method.

8. Currency Conversion and Provider Charges

The currency used for the transaction will be shown during checkout before the customer submits the order.

If the customer’s payment account uses a different currency, their bank or payment provider may apply:

• A currency-conversion rate;

• A foreign-transaction fee; or

• Another provider-imposed charge.

These charges are determined by the customer’s bank or payment provider and are not charged or controlled by Kervaniq.

Customers should contact their bank or payment provider for information about conversion rates and provider fees.

9. Refunds

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

Kervaniq normally processes approved refunds within 10 business days. Where applicable law requires a shorter or different refund period, the legally required period will apply.

For an eligible United Kingdom statutory cancellation, a refund will generally be issued without undue delay and no later than 14 calendar days after:

• Kervaniq receives the returned product; or

• The customer provides acceptable evidence that the product was returned,

whichever occurs first, subject to applicable law.

The customer’s bank, card issuer, or payment provider may require additional time to display the credit after Kervaniq has issued it.

We cannot normally issue a refund to a different card, bank account, or payment method. If the original payment method is no longer available, the customer should contact the relevant payment provider and Kervaniq for assistance.

Return eligibility, return shipping responsibility, inspection, and refund procedures are explained in our Return and Refund Policy.

10. Duplicate or Unrecognised Charges

If a customer believes that a charge is duplicated or does not recognise a transaction, they should:

• Review their order-confirmation emails;

• Check whether another household member placed the order;

• Confirm whether the transaction is still pending; and

• Contact Kervaniq with the relevant order or transaction information.

Customers should also contact their bank or payment provider promptly if they believe a payment method has been used without authorization.

Do not include complete card numbers or security codes when contacting us.

11. Payment Questions

For questions about an order, payment, pending authorization, charge, or refund, contact:

Email: support@kervaniq.com
Phone: +44 7839 630649
Business Address: 43 West Street, Chipping Norton, OX7 5EU, United Kingdom
Website: https://kervaniq.com

When contacting us, please include:

• Your full name;

• Your order number, if available;

• The email address used during checkout;

• The date and amount of the transaction; and

• A description of the issue.

Do not send complete card numbers, card security codes, passwords, or other sensitive payment credentials.