Payment Policy

At Opekto, we aim to make payment simple, secure, and transparent for customers shopping within the United Kingdom.

Currency

All prices displayed on the Opekto website are shown in Pounds Sterling (GBP / £) unless clearly stated otherwise.

The total amount payable will be shown during checkout before you place your order.

Accepted Payment Methods

We accept the payment methods displayed at checkout.

Depending on the payment options enabled on our Shopify store, these may include:

Visa
Mastercard
American Express
Apple Pay
Google Pay
Shop Pay
Other payment methods made available through Shopify or our payment providers

Only payment methods that appear during checkout are available for use.

Secure Payments

Payments made through Opekto are processed using secure third-party payment providers integrated with Shopify.

Payment details are encrypted and handled through secure payment systems.

Opekto does not normally receive or store your complete debit or credit card number.

When Payment Is Taken

Payment may be authorised or collected when your order is placed, depending on the payment method used.

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

Order Confirmation

After successfully placing an order, you will receive an order confirmation at the email address provided during checkout.

Please check your confirmation carefully and contact us as soon as possible if any details are incorrect.

An order confirmation does not necessarily mean that an order has been dispatched.

You will receive separate dispatch or tracking information when applicable.

Pricing

We aim to ensure that all prices shown on our website are accurate.

The price displayed at checkout is the amount applicable to your order, subject to correction of obvious pricing or technical errors where permitted by law.

If we discover an obvious pricing error before fulfilling your order, we may contact you and offer you the option to:

Proceed at the correct price, or
Cancel the order and receive a full refund

We will not intentionally charge a different price after you have completed checkout without your agreement.

VAT and Taxes

Prices displayed to UK consumers are presented in accordance with applicable UK pricing requirements.

Where VAT is applicable, it will be handled in accordance with UK tax requirements.

Any applicable taxes and charges will be included or clearly shown before you complete your purchase.

Shipping Charges

Opekto currently provides free standard shipping within the United Kingdom.

There is therefore no additional standard delivery charge added at checkout unless a different service or charge is clearly shown before payment.

For more information, please see our Shipping Policy.

Payment Verification

For customer security and fraud prevention, some orders may be subject to additional verification.

We may ask for reasonable information to confirm that a transaction is authorised.

Orders may be delayed or cancelled where we reasonably suspect:

Fraudulent activity
Unauthorised use of a payment method
Incorrect payment information
A payment-security risk

If an order is cancelled after payment has been taken, the appropriate refund will be issued.

Declined Payments

If your payment is declined, your order may not be completed.

Possible reasons include:

Insufficient funds
Incorrect card information
Bank security restrictions
An expired card
Billing-address mismatch
Payment-provider security checks

If you believe a payment was declined incorrectly, please contact your bank or payment provider.

Duplicate Payments

If you believe you have been charged more than once for the same order, please contact us.

Provide your:

Name
Order number
Payment date
Amount charged

We will review the transaction and assist where appropriate.

Payment Authorisation Holds

In some cases, your bank or card provider may temporarily place an authorisation hold on funds.

This is controlled by the payment provider or bank and does not necessarily mean that Opekto has charged you more than once.

If an order does not complete, the bank will normally release the authorisation according to its own processing times.

Refunds

Approved refunds will normally be returned to the original payment method used for the purchase.

Once we issue a refund, your bank or payment provider may require additional time before the funds appear in your account.

Please see our Returns & Refund Policy for full information about refund eligibility and processing.

Chargebacks and Payment Disputes

If you have a problem with an order, we encourage you to contact Opekto before opening a payment dispute so that we have an opportunity to resolve the issue.

Nothing in this section affects any legal rights you may have with your bank, card provider, or payment service.

Payment Information and Privacy

Personal information collected in connection with payments is handled in accordance with our Privacy Policy and the privacy practices of the relevant payment provider.