Payment Policy

This Payment Policy explains the terms and conditions that apply to payments for purchases of Women’s Swimwear, Women’s Sweatshirts, and Women’s Sportswear from Cotsmere. By placing an order, you agree to the payment terms described below.

1. Business and Contact Information

Cotsmere
5 PRIORWAY AVENUE
BORROWASH
DERBY
DE72 3HW
United Kingdom

Email: support@cotsmere.online
Telephone: +44 7800077455

If you have a question about a payment, charge, refund, or payment-related issue, please contact us using the details above.

2. Prices

All product prices displayed on our website are the prices applicable at the time you place your order.

Prices may vary between products, sizes, styles, colours, collections, promotions, or other product options.

We reserve the right to change product prices at any time. Any price change will not affect an order that has already been accepted and paid for, except where an obvious pricing or technical error has occurred.

3. Currency

The currency applicable to your purchase will be the currency displayed during the checkout process.

Before completing your purchase, you are responsible for reviewing the order total and ensuring that you understand the amount that will be charged.

If your payment account uses a different currency, your bank or payment provider may apply its own currency conversion rate or additional charges. Any such charges are determined by your payment provider and are outside our control.

4. Payment Requirement

Payment is required when an order is submitted through the website.

An order will not normally be processed until the required payment has been successfully authorised or received.

You must provide complete and accurate payment information when placing an order.

By submitting payment details, you confirm that you are authorised to use the payment method selected for the transaction.

5. Payment Methods

The payment methods currently available to you will be displayed during checkout.

Available payment methods may depend on your location, device, order value, or the payment options available through our website at the time of purchase.

A payment method shown during one visit or transaction may not necessarily be available for a future order.

6. Payment Authorisation

When you place an order, your payment provider may perform an authorisation check to confirm that sufficient funds or credit are available and that the payment details are valid.

A successful authorisation does not necessarily mean that the order has been finally accepted.

If payment authorisation fails, the order may not be completed or processed.

You should contact your bank or payment provider directly if your payment is declined and no website-related error is shown.

7. Payment Processing

Payments may be processed electronically through payment systems made available during checkout.

Payment processing may require verification of information including your billing details, account information, or other transaction information.

Processing times may vary depending on your payment provider.

We are not responsible for delays caused solely by your bank, card issuer, or payment provider.

8. Payment Security

We take reasonable measures to support secure payment processing and to protect information provided during checkout.

You are responsible for keeping your payment account, device, passwords, verification codes, and other authentication information secure.

You should not provide payment information through unofficial communication channels or to anyone claiming to represent us without appropriate verification.

If you believe that your payment information has been used without your permission, you should contact your payment provider promptly and inform us if the transaction relates to an order placed through our website.

9. Billing Information

You must provide accurate and complete billing information when requested during checkout.

The billing information you provide should correspond with the information associated with your payment method where required by your payment provider.

Incorrect, incomplete, or inconsistent information may result in a payment being declined, delayed, or subject to additional verification.

10. Payment Verification

For fraud prevention, transaction security, or order verification purposes, we may review certain orders before processing them.

We may request reasonable information necessary to confirm the validity of an order or payment.

Where payment cannot be reasonably verified, we may delay processing or cancel the affected order.

Any verification process will be limited to information reasonably necessary for the relevant transaction.

11. Failed or Declined Payments

A payment may fail or be declined for reasons including insufficient funds, incorrect payment details, expired payment credentials, security restrictions, transaction limits, or a decision by your payment provider.

If a payment fails, you may be asked to try again or use another payment method available at checkout.

We cannot guarantee that a declined payment can be approved, because payment approval decisions may be made independently by your payment provider.

12. Pending Payments

In some circumstances, a payment may temporarily appear as pending.

A pending transaction may occur while your bank or payment provider completes authorisation or processing.

If a payment remains pending, you may contact your payment provider for further information.

Please avoid repeatedly submitting the same order while a payment is pending unless you have confirmed that the previous transaction was unsuccessful, as this may result in duplicate orders or multiple payment authorisations.

13. Duplicate Payments

If you believe that you have been charged more than once for the same order, please contact us with sufficient information to identify the transaction.

We will review the relevant order and payment records.

Where a genuine duplicate payment has been confirmed, the duplicate amount will be handled appropriately.

Some apparent duplicate charges may be temporary authorisations rather than completed payments. Your payment provider can provide further information about the status of such transactions.

14. Pricing Errors

We make reasonable efforts to ensure that product prices and order totals are displayed accurately.

However, technical, administrative, or other errors may occasionally occur.

If an obvious pricing error affects an order, we may contact you before processing the order.

Where appropriate, you may be given the opportunity to proceed at the correct price or cancel the affected order.

If an order affected by an obvious pricing error cannot be fulfilled, any payment already collected for that order will be returned as appropriate.

15. Order Confirmation and Payment

Receiving an automated order acknowledgement does not necessarily mean that your payment has been finally accepted or that the order has been fulfilled.

An order may remain subject to payment verification, stock availability, transaction checks, and other reasonable processing requirements.

If we are unable to process an order after payment has been received, the relevant payment will be handled in accordance with the circumstances of the cancellation and applicable consumer rights.

16. Refund Payments

Where a refund is approved under our applicable return and refund terms or where required by law, the refund will normally be issued in connection with the original transaction.

The time required for a refund to appear in your account may depend on your bank or payment provider.

Once a refund has been processed by us, additional processing time may be required before the funds become visible in your account.

We are not responsible for processing delays that occur solely within your bank or payment provider after the refund has been submitted.

17. Payment Disputes and Chargebacks

If you believe that a payment is incorrect, please contact us so that we can review the issue.

When contacting us, provide relevant order and transaction information so that the payment can be identified.

If a payment dispute or chargeback is initiated through your payment provider, we may provide relevant transaction, order, delivery, communication, and refund information to the payment provider where reasonably necessary to respond to the dispute.

Nothing in this section limits any legal rights you may have in relation to an unauthorised or disputed payment.

18. Fraudulent or Unauthorised Transactions

Orders may be reviewed where there are reasonable indications of fraud, unauthorised payment use, false information, or other suspicious transaction activity.

We may refuse, suspend, or cancel an order where reasonably necessary to protect customers, payment systems, or our business from fraudulent or unauthorised transactions.

Where an order is cancelled after payment has been successfully collected, the payment will be handled appropriately according to the circumstances.

19. Customer Responsibility

Before submitting an order, you are responsible for checking:

The products and quantities selected.
The product options selected, including size or colour where applicable.
The billing information provided.
The delivery information provided.
The payment method selected.
The total amount payable.
Any applicable charges shown during checkout.

You should contact us as soon as possible if you discover an error after submitting an order.

20. Payment Enquiries

For questions concerning payments, payment verification, duplicate transactions, incorrect charges, refunds, or other payment-related matters, please contact: