Payment Policy

At Sarah & O'Connor, we are committed to providing a secure, convenient, and reliable payment experience for all customers. This Payment Policy explains the payment methods we accept, how payments are processed, and how refunds are handled.

By placing an order on our website, you agree to the terms outlined in this Payment Policy.

1. Accepted Payment Methods

We offer a variety of secure payment options to accommodate customers worldwide.

Available payment methods may vary depending on your country, region, device, or payment provider availability.

Examples of payment methods that may be available include:

  • Visa

  • Mastercard

  • American Express

  • Apple Pay

  • Google Pay

  • Shop Pay

  • Other locally supported payment methods

The payment methods displayed during checkout are the only methods available for your specific location and order.

Customers are responsible for ensuring that their chosen payment method is valid, authorized, and capable of completing the transaction.

2. Payment Security

The security of your payment information is extremely important to us.

All transactions are processed through trusted third-party payment providers using industry-standard security measures, including:

  • SSL (Secure Socket Layer) encryption

  • Secure payment gateways

  • Fraud detection systems

  • Encrypted transaction processing

Sarah & O'Connor does not store complete credit card information, banking credentials, or other sensitive payment details on its own servers.

Payment information is handled directly by certified payment processors in accordance with applicable security and compliance standards.

3. Payment Authorization

When placing an order, your payment method may be subject to authorization and verification procedures.

In certain situations, payment providers may:

  • Request additional verification

  • Temporarily hold funds

  • Decline transactions

  • Conduct fraud prevention checks

Sarah & O'Connor reserves the right to refuse, suspend, or cancel orders if payment authorization cannot be successfully completed or if suspicious activity is detected.

4. Order Processing

Orders are only processed after full payment has been successfully received and verified.

No products will be reserved, prepared, packed, or shipped until payment confirmation has been completed.

If payment fails, is reversed, or is not received in full, the order may be delayed, suspended, or canceled.

5. Pricing and Currency

All prices displayed on our website are shown in the currency selected on the website or based on your location.

Depending on your payment provider, bank, or card issuer:

  • Currency conversion fees may apply.

  • Foreign transaction fees may apply.

  • Exchange rates may differ from those displayed on our website.

Sarah & O'Connor is not responsible for additional charges imposed by banks, credit card issuers, or payment providers.

6. Refund Policy

Refunds are processed in accordance with our Return & Refund Policy.

Where a refund is approved, the refund will generally be issued:

  • Within 14 business days after the returned item has been received and approved.

  • Through the original payment method used during purchase whenever possible.

Actual refund processing times may vary depending on:

  • Banks

  • Credit card companies

  • Payment providers

  • Local financial institutions

Sarah & O'Connor cannot control processing times once the refund has been submitted to the payment provider.

7. Chargebacks and Payment Disputes

If you experience an issue with your order, we encourage you to contact us first before initiating:

  • Chargebacks

  • Payment disputes

  • Claims through payment providers

Our customer support team is committed to resolving concerns fairly and efficiently.

Where a chargeback is filed for an order that has been successfully delivered, fulfilled, or otherwise provided in accordance with our policies, Sarah & O'Connor reserves the right to submit supporting evidence, including:

  • Order confirmations

  • Tracking information

  • Delivery confirmations

  • Customer communications

to contest the dispute where appropriate.

8. Fraud Prevention

To protect both customers and our business, all transactions may be reviewed for fraud prevention purposes.

Orders may be delayed, canceled, or refused if:

  • Fraudulent activity is suspected.

  • Billing information cannot be verified.

  • Payment information appears inconsistent.

  • Security concerns arise during processing.

Sarah & O'Connor reserves the right to request additional verification where necessary.

9. Contact Information

For questions regarding payments, billing, refunds, or payment-related issues, please contact:

Sarah & O'Connor
Email: Info@saroconnor.com