Payment Policy

How payments work on www.naldony.com — methods, security, currency, billing and what happens if something goes wrong.

1. Payment processor

All payments on the Store are processed by Shopify Payments, powered by Stripe Payments UK Ltd — certified to PCI DSS Level 1, the highest tier of payment-data security. We never see or store your full card details; only the processor does.

2. Accepted payment methods

Klarna terms and eligibility depend on Klarna Bank AB (UK Branch); approval is at their discretion.

3. Currency

All prices are quoted in British Pounds Sterling (GBP, £) and include UK VAT where applicable. Your card will be charged in GBP. If your card is issued in another currency, your bank applies its own conversion rate.

4. When is payment taken?

Payment is captured at the moment of order. You'll receive an order-confirmation email immediately and a dispatch confirmation when we hand the parcel to the carrier (typically 1–2 business days later).

5. Statement descriptor

The transaction will appear on your card or bank statement as Naldony.

6. Security

• SSL/TLS encryption (TLS 1.2 or later) on every page of the Store and at checkout — confirmed by the padlock icon in your browser
• 3-D Secure authentication on all card payments (Verified by Visa, Mastercard SecureCode, American Express SafeKey)
• No card details stored on Naldony servers — Shopify Payments holds them under PCI DSS Level 1 controls
• Fraud screening by Shopify's risk-detection system on every order

7. No hidden fees

The price shown on the product page is the price you pay:

• Free UK shipping, every order
• No handling fees, no service charges, no surcharges
• No customs or import duties — we ship UK-only, no cross-border imports

8. Failed or declined payments

If your payment is declined by your bank or by Shopify Payments' fraud system, the order is not placed and no charge is taken. The Store will show an error at checkout. Common causes:

• Insufficient funds
• 3-D Secure step skipped or failed
• Billing address does not match your bank's records
• Card blocked by your bank for online or international purchases

If you believe the decline was a mistake, contact your bank or try a different payment method.

9. Refunds

Refunds are issued to the same payment method used at checkout (card, wallet, Klarna). Processing time: within 7 business days of us receiving a returned product (see the Returns & Refunds Policy). The exact time it appears on your statement depends on your bank — typically 3–5 business days after our refund is issued.

10. Chargebacks and disputes

If you don't recognise a charge or believe an order is fraudulent:

1. Contact us first at support@naldony.com — we resolve over 95% of payment questions within 1 business day, faster than a chargeback.
2. If you do raise a chargeback with your bank, we cooperate fully with the bank's investigation. False or pre-emptive chargebacks may result in suspension of future orders.

11. Klarna terms

If you choose Klarna at checkout:

• Klarna's own terms and conditions apply alongside ours
• Eligibility, repayment schedule and credit decisions are at Klarna's sole discretion
• Klarna is the lender; Naldony receives full payment from Klarna at the moment of order
• Returns and refunds work the same as any other payment method — your refund goes back to Klarna, who adjust your repayment plan accordingly

For Klarna-specific questions, contact Klarna directly via the Klarna app or klarna.com/uk/customer-service.

12. Questions

For any payment question, contact support@naldony.com or +44 20 8040 3375 (Mon–Fri, 9:00–17:00 UK time). We respond within 1 business day.