Payment Policy

Last updated: 8 November 2026

How you pay, what shows on your statement, and how refunds travel back to you.

Accepted Payment Methods

American Express
Apple Pay
Diners Club
Discover
Google Pay
Mastercard
PayPal
Shop Pay
Visa

The full list available to you appears at checkout. We do not accept cheques, bank transfers, cash on delivery, or cryptocurrency.

Currency and VAT

Each price and charge is in pounds sterling. No tax is added at the checkout and there is nothing more to pay on delivery.

A card issued outside the United Kingdom may attract a currency conversion or foreign transaction fee from your bank. Your bank sets that fee, and we do not charge it.

When You Are Charged

Payment is authorised and taken at the moment you place your order. You receive an emailed confirmation with an itemised receipt immediately afterwards.

If an item turns out to be unavailable after you order, we refund that item in full within 5 working days.

What Appears on Your Statement

Our charges show as DEBBIEANDCURTIS on your card or bank statement.

If you see a charge you do not recognise, please email info@debbieandcurtis.com before contacting your bank. We can identify the order and resolve it within the day in almost every case, which is far faster than a bank dispute.

Payment Security

Our checkout uses an encrypted HTTPS connection. Your card data goes straight to our PCI DSS Level 1 compliant payment providers and is never stored on our own systems. At no point can we see your full card number.

Under Strong Customer Authentication rules, your bank may ask you to confirm the payment through your banking app or a one time passcode. This is a legal requirement in the UK and protects you against unauthorised use of your card.

Declined Payments

If your payment is declined the order is not placed and no funds are taken. Common reasons are insufficient funds, an expired card, a billing address that does not match your bank's records, a failed authentication step, or your bank's own fraud filters.

You may see a pending authorisation on your account even though the order did not complete. That authorisation is released automatically by your bank, typically within 3 to 5 working days.

Please check your card details and billing address, then try again or choose a different method. If it then still fails, write to us and we will help.

Fraud Prevention

Every order is screened automatically for signs of fraud. Before we dispatch we may ask you to verify your identity or billing details, and we may cancel and fully refund an order we believe to be fraudulent. This protects you plus us.

Refunds

Refunds go back to the original payment method used at checkout. We process them within 5 working days of getting your return, and your bank then takes another 3 to 10 working days to post the funds. You will find full details in our Return and Refund Policy.

We cannot refund to a different card or account, as payment providers only allow refunds along the original payment path.

Disputes and Chargebacks

If something is wrong with your order, contact us first at info@debbieandcurtis.com. We respond within 24 working hours and we would rather refund you directly than have you wait on a bank process that can take up to 90 days.

A chargeback raised before you contact us locks the funds with your bank and slows things down for everyone. We are always willing to sort it out with you directly.

Section 75 and Chargeback Rights

Nothing in this policy affects your rights. If you pay by credit card for goods costing over 100 pounds you may have additional protection under section 75 of the Consumer Credit Act 1974. Debit card payments may be covered by your bank's chargeback scheme.

Pricing Errors

Where a product shows an obviously incorrect price because of a technical or human error, we may cancel the order and refund you in full. We will always contact you first.

Contact Us

If you have any questions, email info@debbieandcurtis.com. We are happy to help.

Store Name: Debbie and Curtis
Company Name: Lunbury LTD
Company Number: 16936968
Warehouse Address: Unit 6 Quay 1, Newport Business Park, New Port Road, Ellesmere Port CH65 4LZ, United Kingdom
Registered Address: 128 City Road, London, EC1V 2NX, United Kingdom
Email: info@debbieandcurtis.com