UK Payment Policy

1. Currency & Pricing

All prices displayed on rbbyraulblidar.com are in pounds sterling (GBP / £) and are the final amount you pay at checkout for the product itself.

Prices include UK Value Added Tax (VAT) at the standard rate of 20% where applicable. Delivery charges, if any, are shown separately at checkout before payment is taken.

2. Accepted Payment Methods

We accept the following UK-issued payment methods:

• ✓ Visa (Debit & Credit)
• ✓ Mastercard (Debit & Credit)
• ✓ Apple Pay
• ✓ Google Pay
• ✓ PayPal (UK accounts)
• ✓ Klarna (Pay in 3, UK customers only — subject to Klarna's eligibility checks)

Cards must be issued by a UK bank with a registered UK billing address. We do not accept cash, cheques, bank transfers, cryptocurrency or international cards.

3. Strong Customer Authentication (SCA)

In line with UK regulations (PSD2 / FCA rules on Strong Customer Authentication), most card payments require an additional verification step. This usually means confirming the purchase through your bank's app, a one-time passcode sent by SMS, or biometric authentication.

If your bank declines a transaction, please contact your bank in the first instance. We are unable to override SCA decisions.

4. Security & Card Data

All payments are processed via PCI DSS-compliant payment providers using 256-bit SSL encryption and 3D Secure where supported. Your full card details are never seen, stored or transmitted by RB by Raul Blidar — they are handled directly by the payment processor.

We may retain a tokenised reference to your card (provided by the payment processor) to facilitate refunds and chargebacks, but we never have access to your card number or CVV.

5. Billing Address & Verification

The billing address you provide at checkout must match the address registered with your card issuer. Orders failing Address Verification System (AVS) checks may be cancelled and refunded. We may also conduct additional anti-fraud checks (3D Secure, identity verification) and reserve the right to cancel any order where these checks fail.

6. When Payment is Taken

Payment is authorised at the moment you place your order and taken in full at the same time. If we are unable to fulfil your order for any reason (for example, stock unavailability), the full amount will be refunded to your original payment method within 5–10 business days.

7. Order Confirmation & VAT Receipt

You will receive an order confirmation email immediately after a successful payment, followed by a VAT receipt (where applicable) once your order has been dispatched. Please retain this for your records — it is required if you wish to request a return.

8. Refunds

Approved refunds are issued to the original payment method only, in line with UK and FCA rules. We cannot refund to a different card or method. Refunds typically appear within 5–10 business days of approval, depending on your bank.

9. Failed or Declined Payments

If your payment is declined, no order is placed and no charge is taken. Please check with your bank or card provider before retrying. We do not store details of failed payment attempts.

10. Chargebacks & Disputes

If you believe a charge on your card is incorrect, please contact us first at rbbyraulblidar@outlook.com so we can resolve it quickly. Raising a chargeback through your bank without contacting us may delay resolution.

We co-operate fully with all legitimate chargeback investigations conducted by UK banks and card networks. Fraudulent chargebacks will be challenged.

11. Consumer Rights

Your payment rights are protected under UK law, including the Consumer Rights Act 2015, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, and the Payment Services Regulations 2017. Section 75 of the Consumer Credit Act 1974 may also apply to certain credit card purchases.

12. Contact

For any payment-related question, please email:

rbbyraulblidar@outlook.com