Payment Policy
At Bagistry Heritage, we aim to provide a secure, transparent, and straightforward checkout experience for customers purchasing our pre-owned luxury handbags and accessories.
This Payment Policy explains the payment methods we accept, when payment is authorised, how transactions are processed, how refunds are issued, and what customers should do if a payment problem occurs.
By placing an order through Bagistry Heritage, you agree to the payment terms described below.
1. Accepted Payment Methods
Bagistry Heritage accepts the following payment methods where available at checkout:
- Visa
- Mastercard
- Maestro
- American Express
- Discover
- Diners Club
- Apple Pay
- Google Pay
- Shop Pay
- UnionPay
The payment methods available to an individual customer may vary depending on factors such as their device, browser, country, payment provider, card issuer, or checkout configuration.
Only the payment methods displayed during checkout are available for a particular transaction.
2. Secure Payment Processing
Payments placed through Bagistry Heritage are processed using secure payment technology provided by our e-commerce platform and payment service providers.
Payment information may be transmitted directly to the relevant payment processor, bank, digital-wallet provider, or card network for authorisation.
Bagistry Heritage does not normally receive or store your complete credit or debit card number when your payment is processed through an external payment provider.
We take reasonable measures intended to protect customer and transaction information during the checkout process.
3. Payment Authorisation
When you place an order, your selected payment provider may be asked to authorise the transaction.
An order is not considered fully confirmed until the payment has been successfully authorised or otherwise approved.
If your payment cannot be authorised, the order may not be completed.
Possible reasons for a declined payment can include:
- Incorrect card information
- Insufficient funds
- Card restrictions
- Expired payment card
- Bank security checks
- Incorrect billing information
- Fraud-prevention controls
- Payment-provider restrictions
If a payment is declined, please contact your card issuer, bank, or payment provider for more information.
4. When You Are Charged
Payment is normally taken or authorised when you complete your order through checkout.
The exact timing of the charge may depend on the payment method and payment provider used.
Your bank statement may display the merchant or payment-processor description associated with the transaction.
If you do not recognise a transaction connected with an order placed through Bagistry Heritage, please contact us so that we can review the order details available to us.
5. Order Confirmation
After a successful order is placed, you should receive an order confirmation using the email address provided during checkout.
Your order confirmation should include information such as:
- Order number
- Products ordered
- Purchase amount
- Delivery information
- Other relevant order details
Please review the confirmation carefully and contact us promptly if you notice an error.
Receiving an automated order acknowledgement does not prevent us from contacting you if a legitimate payment, inventory, security, or order-processing issue is identified before dispatch.
6. Currency
The applicable purchase currency will be clearly displayed on the product page, cart, or checkout before you complete your transaction.
You will have an opportunity to review the final order amount before confirming payment.
Where your payment card or account operates in a different currency, your bank or payment provider may apply its own:
- Currency-conversion rate
- Foreign-exchange fee
- International transaction fee
Any such charges imposed independently by your bank or payment provider are outside the control of Bagistry Heritage.
7. Prices and Checkout Total
The price displayed at checkout represents the amount payable to Bagistry Heritage for the products and charges included in the order.
Where applicable, the final checkout total may include:
- Product price
- Delivery charges
- Applicable taxes
- Other charges clearly disclosed before payment
We aim to display all charges clearly before the customer confirms an order.
Bagistry Heritage does not intentionally add undisclosed charges after an order has been completed.
8. Apple Pay
Where available, customers may use Apple Pay during checkout.
Apple Pay availability can depend on your device, browser, region, payment card, and Apple Pay configuration.
Transactions made through Apple Pay are also subject to the terms and security procedures of Apple and the customer's card issuer.
9. Google Pay
Where available, customers may use Google Pay during checkout.
Google Pay availability can depend on your device, browser, region, payment card, and Google Pay account configuration.
Transactions made using Google Pay may also be subject to the terms and verification procedures of Google and the applicable bank or payment provider.
10. Shop Pay
Where available, customers may choose Shop Pay during checkout.
Shop Pay may allow eligible customers to use saved checkout and payment information for a faster transaction.
The availability and operation of Shop Pay are subject to the checkout platform and applicable Shop Pay terms.
Bagistry Heritage does not control the independent eligibility requirements or verification procedures used by Shop Pay.
11. Card Payments
We accept supported payment cards including:
Visa, Mastercard, Maestro, American Express, Discover, Diners Club, and UnionPay, where displayed during checkout.
Your card issuer may perform additional security checks before approving the transaction.
These checks may include identity verification or other authentication measures.
If additional verification is required, you should follow the instructions displayed by your bank, card issuer, or payment provider.
12. Fraud Prevention and Security Checks
To protect customers and our business, transactions may be subject to reasonable security or fraud-prevention checks.
In some circumstances, we may need to verify order information before dispatch.
This may occur where an order displays unusual payment, address, transaction, or security characteristics.
We will never ask you to send your complete payment-card number or card security code by ordinary email.
Where an order cannot reasonably be verified or appears to involve unauthorised payment activity, it may be delayed or cancelled.
Any refund resulting from a cancelled transaction will be handled in accordance with this policy and applicable law.
13. Billing Information
Customers are responsible for providing accurate billing and payment information during checkout.
This may include:
- Full name
- Billing address
- Postcode
- Payment-card information
- Other information required by the payment provider
Incorrect billing information may cause a transaction to be declined or delayed.
14. Pre-Owned Luxury Products
Bagistry Heritage specialises in pre-owned luxury handbags and accessories.
Payment for a pre-owned item reserves or purchases the specific product shown in the applicable listing, subject to successful payment authorisation and order acceptance.
Because many pre-owned luxury products are individual pieces, a replacement of the exact same item may not be available if an order must later be cancelled or refunded.
15. Payment and Product Availability
Adding an item to your shopping cart does not necessarily reserve it permanently.
An order may only be considered confirmed after checkout has been completed, payment has been successfully processed or authorised, and the order has been accepted.
Because many Bagistry Heritage products are unique or limited in quantity, an item may become unavailable.
If an item becomes unavailable after payment has been processed, we will cancel the affected order or product and issue an appropriate refund.
16. Pricing Errors
We make reasonable efforts to ensure that product prices and checkout information are accurate.
However, if an obvious pricing or technical error occurs, we may contact you before fulfilling the order.
Where an order cannot reasonably be fulfilled because of a genuine pricing or system error, we may cancel the transaction and refund any amount already paid.
We will not substitute a different product without the customer's agreement.
17. Failed or Pending Payments
Some transactions may temporarily appear as pending while the payment provider completes its review.
A pending bank transaction does not always mean that an order has been successfully accepted.
If checkout was not completed but your account shows a pending authorisation, the pending amount may be released automatically by your payment provider.
The time required for the release of a pending authorisation is determined by the bank or payment provider.
18. Duplicate Payment Concerns
If you believe you have been charged more than once for the same order, contact us at:
Please provide your order number and relevant transaction information.
Do not send complete card details by email.
We will review the transaction information available to us and assist where appropriate.
19. Refund Method
Approved refunds will normally be sent to the original payment method used for the purchase.
For example, if an order was paid using Visa, the approved refund will normally be returned through the same Visa payment method.
We generally cannot redirect a refund to an unrelated card, bank account, or payment method.
This helps protect customers against fraud and ensures appropriate transaction records are maintained.
20. Refund Processing Time
In accordance with our Return & Refund Policy, eligible refunds are processed by Bagistry Heritage within:
Up to 10 days
The refund-processing period begins at the appropriate stage of the return or cancellation process as described in our Return & Refund Policy.
After Bagistry Heritage issues a refund, your bank, card issuer, or digital-wallet provider may require additional time before the funds appear in your account.
This external banking or payment-provider processing time is outside our direct control.
21. Refunds Through Digital Wallets
Where an order was paid using services such as:
- Apple Pay
- Google Pay
- Shop Pay
the refund will normally be processed back through the payment method associated with the original transaction.
The time required for the refunded amount to appear may depend on the wallet provider, linked card issuer, or bank.
22. Cancelled Orders
If an order is cancelled before dispatch and payment has already been collected, an applicable refund will normally be issued to the original payment method.
We aim to process applicable refunds within our stated 10-day refund processing period, subject to any shorter timeframe required by law.
For information about cancellation rights after receiving an order, please refer to our Return & Refund Policy.
23. Chargebacks and Payment Disputes
If you believe there is a problem with an order or payment, we encourage you to contact Bagistry Heritage first so that we have an opportunity to investigate and resolve the matter.
You may contact us at:
Please include your order number and a description of the issue.
Nothing in this section prevents you from exercising any rights available through your bank, card issuer, payment provider, or applicable law.
24. Unauthorised Transactions
If you believe your payment card or account has been used without your permission, contact your bank or payment provider immediately.
You should also contact us if the transaction appears to relate to Bagistry Heritage.
We will cooperate with reasonable payment-provider or bank enquiries concerning suspected unauthorised transactions.
25. Taxes and Duties
Any taxes collected directly by Bagistry Heritage will be displayed as part of the applicable checkout process where required.
For international orders, additional duties, import taxes, customs charges, or carrier fees may apply depending on the destination country.
Where these amounts are not collected by Bagistry Heritage at checkout, they may be charged separately by the relevant authority or carrier.
Please refer to our Shipping Policy for additional information regarding international deliveries.
26. Payment Information and Privacy
Personal information collected in connection with payments is handled according to our Privacy Policy.
Payment providers may process certain customer and transaction information independently in accordance with their own privacy notices and terms.
Bagistry Heritage only uses payment and order information for legitimate purposes such as:
- Processing transactions
- Fulfilling orders
- Handling refunds
- Providing customer support
- Preventing fraud
- Maintaining required transaction records
- Meeting applicable legal obligations
27. Contact Us About Payments
For questions regarding an order, payment, cancellation, or refund, contact:
Store Name: Bagistry Heritage
Support: Monday – Friday, 9:00 AM – 6:00 PM (UK Time)
Business mail: support@bagistryheritage.com
Business Number: +44 7882 759698
Business Time:
Monday – Friday
9:00 AM – 6:00 PM (UK Time)
Business Address: Office 16721 182-184 High Street North, East Ham, London, England, United Kingdom, E6 2JA
For security, do not send your full card number, PIN, password, or card security code by email.
