Payment Methods

Currencies

Payments, as well as refunds for shipments to the United Kingdom, are in Pound Sterling (GBP).

Payment by credit or debit card

During the checkout step "payment", please select the option to pay by card.

Possible transfer fees, as well as bank service fees, might be charged. Transaction fees that are charged by the bank will not be refunded by Lloyd and Paul Home Luxuries.

We accept the following credit cards and debit cards: Visa, Mastercard, American Express, Diner Club, JCB, Union Pay, Maestro and Discover.

Please enter your card details on our payment site. Lloyd and Paul Home Luxuries uses state-of-the-art server security software with SSL encryption, which provides the safe and bug-proof transmission of your card details.

The order amount will be deposited on your card as a payment reservation until your order has either been sent (amount will be booked) or canceled (payment reservation will be canceled).

The following applies to all credit card payments: refunds from returns are always issued to the credit card that was used to pay for the original order.

Verification process for credit card payments

To make your online payments even more secure, regulations around bank account security came into effect as part of the EU Payment Services Directive (PSD2).

The PSD2 protects your credit card details with a process called 2-factor authentication, which requires that you verify your identity. Please find more information about the PSD2 at ecb.europa.eu.

Banks are required to implement 2-factor authentication for online payments above a certain order value. If you are experiencing any trouble with credit card payments, we recommend you check with your bank to confirm if your card is already registered for 2-factor authentication. If you are not yet registered, your bank should instruct you on how to do so. In the meantime, to avoid encountering payment issues for your Lloyd and Paul Home Luxuries orders, we recommend you select an alternative payment method, since this verification method only applies to credit cards. Please find an overview of our alternative payment methods below.

Kindly note that, depending on your bank, you may have the option to add Lloyd and Paul Home Luxuries to your list of trusted shops, which would ensure future purchases with us would not require additional verification. Please contact your bank for further information.

Payments by Visa or Mastercard

The system recognises whether or not the credit card is registered on the 3-D security programs Verified by Visa or Mastercard SecureCode.

These are security systems that have been developed to ensure that the registered card holder and the registered online retailer (Lloyd and Paul Home Luxuries) are involved in the transaction. If your card is part of the 3-D Secure Program, a pop-up window will appear, asking you to enter your password when making a purchase online. This window is linked to your bank and requires you to enter your SecureCode (a password that you have previously selected). Transactions can only be made by entering the correct password.

If your credit card is not registered with any of these programs, the payment can be made without further authentication. For more information about the credit card security systems, please see:

Verified by Visa or Mastercard SecureCode

The system recognises whether the shipping address is identical to the address that has been provided to American Express as the billing address (Amex address verification system). If the address is not identical, you will be asked to provide a different shipping address in a separate email. Your shipment will not be dispatched until the authentication was successful.

Payment by PayPal

Please select "PayPal" as your payment method and you will be redirected to the PayPal site automatically. If you have an existing PayPal account, you can log in using your user data to confirm the payment. If you do not have a PayPal account, you can register and proceed with the payment. Refunds from returns will be booked onto the registered PayPal account.

Payment by Discount Code

Simply go to your shopping bag and enter your code in the designated "Discount Code" field and click apply. The final price will be adjusted automatically if a valid and in date discount code is entered.