Payment Policy

Effective Date: October 19, 2026
Last Updated: October 19, 2026

1. Payment Information at CHARD MODE

At CHARD MODE LTD, we aim to provide a straightforward, transparent, and secure payment experience for customers purchasing women’s clothing through our online store.

This Payment Policy explains how payments are accepted, how transactions are processed, what happens if a payment is unsuccessful, and how payment-related enquiries are handled.

This policy applies to purchases made through our official website:

https://chardmode.net

Please read this policy alongside our Terms of Service, Privacy Policy, Shipping Policy, and Returns & Exchanges Policy.

2. Accepted Payment Methods

Customers can complete purchases using the payment methods available on our checkout page.

Depending on the payment services enabled on our website, these may include:

• Visa.

• Mastercard.

• American Express.

• Eligible debit cards.

• Digital wallet payment options, where supported.

• Other payment methods expressly displayed during checkout.

The availability of a payment method may vary according to the customer’s location, payment provider, device, or transaction requirements.

Only payment options shown during checkout are available for the relevant purchase.

We do not require customers to make payments to personal bank accounts or through unofficial communication channels.

3. Payment Processing

When an order is submitted, the selected payment provider may verify and authorise the transaction.

This process may involve checking payment details, confirming the availability of funds, and applying security measures.

A successful payment authorisation does not necessarily mean that an order has been accepted for fulfilment.

Orders remain subject to the acceptance conditions described in our Terms of Service.

If an accepted order cannot be fulfilled, we will arrange an appropriate refund in accordance with applicable law.

4. Secure Checkout

We recognise the importance of protecting payment information.

Our website is intended to use encrypted HTTPS connections to protect information transmitted between customers and the website.

Payment transactions are processed through the payment service providers configured for our online store.

These providers may use security controls such as:

• Encrypted payment transmission.

• Payment authentication.

• Fraud detection systems.

• Transaction monitoring.

• Card network security standards.

• Additional identity verification where required.

The exact security measures depend on the payment provider and the payment method selected.

CHARD MODE LTD does not intend to store complete payment card numbers or card security codes on its own website servers.

No online payment system can be guaranteed to be entirely risk-free.

5. Payment Currency

Product prices are displayed in the currency indicated on our website.

The currency used for payment will be confirmed during checkout.

Where a customer’s bank account or payment card operates in a different currency, the issuing bank or payment provider may apply currency conversion.

Exchange rates and foreign transaction charges are determined by the relevant financial institution or payment service provider.

Such charges may not be controlled by CHARD MODE LTD.

Customers should review their bank’s terms if they are purchasing internationally.

6. Product Prices and Applicable Charges

We aim to present product prices clearly before an order is completed.

The checkout summary will display the applicable:

• Product prices.

• Quantity of each item.

• Discounts or promotional reductions.

• Shipping charges.

• Taxes collected at checkout, where applicable.

• Total amount payable.

Customers can review the final amount before submitting payment.

We do not intend to add undisclosed charges after a purchase has been completed.

Any additional import duties or taxes relating to international deliveries will be handled according to the arrangements disclosed before purchase and applicable law.

7. When Payment Is Collected

For purchases requiring immediate payment, the selected payment method may be charged when the order is submitted or accepted, depending on the payment provider’s configuration.

Some transactions may initially appear as pending authorisations.

A pending authorisation does not always represent a completed charge.

The timing of payment settlement and the release of unsuccessful authorisations is generally controlled by the relevant payment provider or card issuer.

If you have questions about a transaction, please contact our customer service team.

8. Payment Verification and Fraud Prevention

To help protect customers and our business, certain transactions may be subject to additional verification.

This may include:

• Cardholder authentication.

• Verification of billing information.

• Review of unusual transaction patterns.

• Additional payment provider security checks.

• Confirmation of order details where reasonably necessary.

In some circumstances, a transaction may be delayed, declined, or cancelled because of a legitimate security concern.

We will not request your full card security code, account password, or online banking password through ordinary email correspondence.

If verification is required, we will aim to use appropriate and secure methods.

9. Unsuccessful or Declined Payments

A payment may be declined for reasons including:

• Insufficient available funds.

• Incorrect card information.

• Expired payment credentials.

• Bank security restrictions.

• Failed authentication.

• Temporary payment network problems.

• Payment method restrictions.

If a transaction is unsuccessful, please check the information entered and follow any instructions provided by your bank or payment provider.

You may also try another payment method available at checkout.

If the problem continues, please contact your financial institution or our customer support team.

10. Duplicate Charges and Payment Errors

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

Provide your order number, the date of the transaction, and the amounts involved.

For your security, do not email complete card numbers or card security codes.

We will review the available transaction records and coordinate with the relevant payment provider where necessary.

Some apparent duplicate charges may be temporary authorisations rather than completed payments.

Where an actual duplicate charge is confirmed, we will arrange an appropriate correction or refund.

11. Order Confirmation and Receipts

After placing an order, customers should receive an order confirmation using the email address provided at checkout.

The confirmation generally includes:

• Order reference number.

• Purchased products.

• Product quantities.

• Order total.

• Selected delivery details.

• Payment status or relevant transaction information.

Please retain your order confirmation for future reference.

If you do not receive an expected confirmation, check your email spam or junk folder before contacting customer support.

12. Refunds to the Original Payment Method

Where a refund is approved or legally required, it will generally be issued to the original payment method.

For approved voluntary returns, we aim to process refunds within 5–10 business days after receiving and assessing the returned item.

Where a statutory refund is due, we will comply with the applicable legal deadline.

Once a refund has been initiated, the time required for the funds to appear in your account may depend on your bank or payment provider.

If the original payment method is no longer available, please contact us to discuss an appropriate alternative arrangement.

For further details, please review our Returns & Exchanges Policy.

13. Order Cancellations and Payment Reversals

If you wish to cancel an order, please contact us promptly at:

payment@chardmode.net

Where an order has not yet been dispatched, we will make reasonable efforts to accommodate the request.

If the order has already entered the delivery process, applicable cancellation and return procedures may apply.

Refunds following valid cancellations will be handled in accordance with the relevant contractual terms and statutory requirements.

14. Chargebacks and Payment Disputes

If you believe a transaction is incorrect or unauthorised, you may contact us for assistance.

We aim to investigate payment concerns and provide relevant transaction information.

Customers also retain the right to contact their bank or payment provider to dispute a transaction where permitted under applicable payment rules or law.

Nothing in this policy prevents customers from exercising lawful chargeback or payment dispute rights.

We may provide relevant order and delivery records to payment providers when responding to a legitimate dispute, in accordance with applicable data protection requirements.

15. Payment Information and Privacy

We process personal information associated with purchases for purposes such as:

• Completing transactions.

• Managing orders.

• Preventing fraud.

• Processing refunds.

• Responding to payment enquiries.

• Meeting legal and accounting obligations.

Payment providers may independently process certain information to deliver their services.

Our Privacy Policy explains how we handle personal information, including relevant disclosures, retention practices, and privacy rights.

We encourage customers to review that policy before purchasing.

16. International Payments

Customers ordering from outside the United Kingdom may be able to use supported international payment cards or other checkout methods.

Payment availability depends on the services configured for our website and the requirements of the relevant provider.

International transactions may involve:

• Currency conversion.

• Bank processing charges.

• Cross-border transaction fees.

• Additional security checks.

Any fees charged independently by a customer’s bank or card issuer are generally outside our control.

We will disclose the amounts we charge through checkout.

17. Payment-Related Customer Support

If you have questions about a payment, refund, transaction error, or billing concern, please contact our support team.

For faster assistance, include:

• Your name.

• Your order number.

• The date of purchase.

• A brief description of the issue.

• The transaction amount, where relevant.

Please do not include complete card numbers, CVV/CVC codes, passwords, or other unnecessary sensitive financial information.

18. Changes to This Payment Policy

We may update this policy when our payment arrangements, website functionality, or legal obligations change.

The revised version will be published on this page with an updated last-updated date.

Changes will not retrospectively remove statutory rights or alter accepted contractual obligations without a lawful basis.

19. Contact CHARD MODE LTD

For payment-related questions or general customer assistance, please contact:

Company Name: CHARD MODE LTD

Registered Business Address:
48 AVONDALE ST
ABERCYNON
MOUNTAIN ASH
MGLAM
UNITED KINGDOM
CF45 4YY

Official Website: https://chardmode.net

Email: payment@chardmode.net

Telephone: +44 7883404559

Customer Service Hours:

Monday – Friday: 9:00 AM – 5:00 PM (UK Time)

Saturday, Sunday & UK Public Holidays: Closed

We aim to respond to general enquiries within 1–2 business days.

At CHARD MODE LTD, we aim to make paying for your clothing purchases clear, convenient, and dependable.

© 2026 CHARD MODE LTD. All Rights Reserved.