Payment Policy

Last updated: 21 June 2026

This Payment Policy explains the payment methods, currency, charges, payment capture, authorisation, security checks, refunds and payment-related procedures applying to orders placed through anyora.uk.

This policy should be read together with our:

Terms and Conditions;
Shipping Policy;
Returns, Refunds and Cancellations Policy; and
Privacy Policy.

Nothing in this policy excludes, restricts or replaces any statutory consumer right or remedy that cannot lawfully be excluded or restricted.

1. About Anyora

The seller responsible for orders placed through this website is:

Anyora Limited, trading as Anyora
Company number: 16938766
Registered in England and Wales

72 Ambergate Road
Bilston
WV14 0SR
United Kingdom

Email: support@anyora.uk
Telephone: +44 1902 382162
Website: anyora.uk

Customer-support hours are Monday to Friday, 9:00am to 5:00pm UK local time, excluding public holidays.

UK local time means Greenwich Mean Time or British Summer Time, as applicable.

2. Currency

Our store currency is pounds sterling.

Product prices, delivery charges, discounts, payments and refunds are normally displayed and processed in GBP.

The applicable currency and total amount payable will be displayed during checkout before the order is submitted.

If your bank, card issuer, digital wallet or payment provider operates in another currency, it may:

convert the transaction;
use its own exchange rate; or
impose a currency-conversion or foreign-transaction charge.

Any such conversion or provider charge is imposed by that provider and is not charged, received or controlled by Anyora.

3. Prices, taxes and delivery charges

Product prices include any tax that Anyora is legally required to include in the displayed consumer price.

The amount payable is the final total displayed during checkout, subject to our right to address an obvious pricing or product-information error before accepting the order.

Standard delivery to an eligible United Kingdom address costs £5.99 per order.

Before payment, checkout will display the applicable:

product price;
quantity;
discount;
delivery charge;
tax treatment, where separately applicable; and
total amount payable.

We will not add an undisclosed compulsory processing, handling, service, logistics, payment or delivery charge after the order has been submitted.

4. Accepted payment methods

Depending on customer eligibility, location, device, browser, provider support and technical availability, checkout may offer:

Cards

Visa;
Mastercard;
American Express;
Diners Club;
Discover;
Maestro; and
UnionPay debit or credit cards.

Digital wallets and accelerated checkout

Shop Pay;
Apple Pay; and
Google Pay.

Additional payment method

PayPal.

Only the payment methods actually displayed during checkout for the relevant order are available for that transaction.

A payment method being enabled in our payment settings does not guarantee that it will appear for every customer, device, browser, location or order.

5. Managed and personalised payment methods

Our checkout may use managed payment-method functionality.

This means that eligible payment options may be:

arranged in a personalised order;
displayed according to customer location or device;
shown only where supported;
activated when they become available and relevant; or
changed as provider functionality develops.

A payment method newly displayed and accepted through checkout may be used even if it is not individually named in this policy.

The checkout page is the authoritative source for the payment methods available for a particular transaction.

6. Accelerated checkout

Shop Pay, Apple Pay or Google Pay may allow an eligible customer to complete checkout using information stored with the relevant provider.

Availability may depend on:

the customer’s device;
browser compatibility;
the customer’s provider account;
a supported card or payment source;
the customer’s location; and
successful authentication.

Using accelerated checkout does not reduce or change the customer’s statutory rights.

The order remains subject to the same applicable product, delivery, cancellation, return and refund terms.

7. PayPal

PayPal is available where it is displayed as an option during checkout.

A customer selecting PayPal may be redirected or prompted to:

sign into PayPal;
choose a payment source;
review the transaction; and
authorise payment.

PayPal may independently approve, reject, hold or review a transaction under its own terms and procedures.

Anyora cannot guarantee that a particular PayPal account, card or funding source will be approved.

8. Reviewing an order before payment

Before submitting an order, customers can review and correct material information, including:

selected products and variants;
quantities;
product prices;
discounts;
contact information;
delivery address;
delivery method and charge;
billing information; and
the total amount payable.

Customers should check this information carefully before selecting the final payment button.

9. Obligation to pay

The final checkout button is labelled Pay now, or uses another expression that clearly indicates an obligation to pay.

Selecting that button:

submits the order;
authorises the selected payment method to be charged;
confirms the customer’s agreement to the applicable order information and terms; and
creates an obligation to pay the total displayed during checkout.

10. Payment capture

Our payment-capture setting is Automatically at checkout.

For card payments, the payment is normally authorised and captured when the order is placed.

For certain wallets or additional payment methods, the customer may be charged when the relevant payment provider completes its processing.

A transaction may temporarily appear as:

authorised;
pending;
processing;
captured;
declined; or
cancelled.

The timing and wording shown by the customer’s bank or payment provider may differ from the order status displayed by Anyora.

11. Order acknowledgement and contract formation

Submitting an order constitutes an offer to purchase the products listed in that order.

An automated:

order acknowledgement;
payment authorisation;
payment capture;
payment-provider notification; or
payment receipt

does not by itself mean that Anyora has accepted the order.

Unless our Terms and Conditions expressly state otherwise, a binding contract is formed when we send a dispatch confirmation identifying the goods dispatched.

If only part of an order is dispatched and confirmed, a contract is formed only for the goods identified in that dispatch confirmation.

If payment was captured for an order or item that we do not accept, we will cancel the affected order or item and issue the applicable refund without undue delay.

12. Payment authentication

A card issuer, PayPal, digital-wallet operator or other payment provider may require additional authentication.

This may include:

3D Secure authentication;
a one-time passcode;
confirmation through a banking application;
biometric authentication;
digital-wallet authentication;
account sign-in; or
additional billing or identity verification.

If required authentication is not completed successfully, payment and order submission may fail.

13. Failed or declined payments

A payment may fail or be declined because of:

incorrect card, account or billing information;
insufficient funds or available credit;
an expired, blocked or restricted payment method;
failed authentication;
a decision by the bank or payment provider;
fraud or security screening;
a technical interruption;
provider unavailability; or
the payment method not being eligible for the transaction.

Anyora does not control whether a bank, card issuer, PayPal or another payment provider approves a transaction.

If payment fails, the customer may try again using corrected information or another method displayed during checkout.

Repeated failed attempts may be restricted by Anyora or a payment provider for security purposes.

14. Pending authorisations

A failed, cancelled or incomplete payment attempt may temporarily appear as a pending authorisation.

A pending authorisation is not necessarily a completed charge.

The customer’s bank, card issuer or payment provider controls when a pending authorisation is released.

If a pending authorisation remains for longer than the period indicated by the provider, the customer should contact that provider.

Customers may also contact Anyora so that we can confirm the payment and order status visible to us.

15. Payment providers

Card and digital-wallet payments are processed through Shopify Payments or another provider made available during checkout.

PayPal transactions are processed through PayPal.

Payment providers may process transaction information for purposes including:

completing the payment;
authentication;
fraud prevention;
regulatory compliance;
refunds;
disputes; and
security.

Each provider may also apply its own terms and privacy information.

16. Fraud prevention and order verification

Anyora and its payment providers may perform proportionate authentication, fraud-prevention and security checks.

These checks may include:

reviewing order and payment-risk indicators;
verifying billing or delivery information;
requesting reasonable additional information;
delaying processing while an order is reviewed;
restricting repeated payment attempts;
refusing an order before acceptance; or
cancelling and refunding an order that cannot be verified or accepted.

Payment providers may independently approve, decline, hold or review payments using their own systems.

Where a customer believes that Anyora has made an incorrect decision concerning an order, the customer may contact us and request that the circumstances be reviewed.

We will never ask a customer to provide a complete card security code, online-banking password or digital-wallet password by email, telephone or contact form.

17. Payment surcharges

Anyora does not charge an additional fee solely because a customer uses an accepted:

consumer credit card;
debit card;
PayPal account;
Shop Pay;
Apple Pay; or
Google Pay.

The amount payable through an available payment method will be the amount displayed at checkout.

A bank, card issuer or payment provider may impose a charge under its own agreement with the customer. Any such charge is not imposed, received or controlled by Anyora.

18. Payment security

Checkout uses secure and encrypted connections provided through Shopify and the applicable payment provider.

Complete card numbers and card security codes are normally submitted directly through the payment interface rather than sent to Anyora through ordinary communications.

Depending on the transaction, Anyora may receive limited payment information such as:

payment status;
payment-method type;
transaction reference;
billing name and address;
masked card information;
refund status;
dispute information; and
fraud or security indicators.

Do not send Anyora complete:

card numbers;
card security codes;
online-banking passwords;
PayPal passwords;
digital-wallet passwords; or
authentication codes

by email, telephone, photograph, contact form or other ordinary communication.

19. Cancelling an order before dispatch

Customers may submit a self-service cancellation request within 24 hours after placing an order while the relevant item remains unfulfilled.

Submitting a cancellation request does not guarantee that cancellation is complete.

Customers may also contact support@anyora.uk as soon as possible to request cancellation or amendment.

We will try to stop the order, but cancellation cannot be guaranteed once processing, packing, fulfilment or dispatch has begun.

This administrative procedure does not restrict an applicable statutory cancellation right.

If an order is successfully cancelled after payment has been captured, we will issue the applicable refund.

20. Refund method

Refunds are normally issued:

through the original transaction; and
to the original payment method.

We may use another lawful method where:

the original payment method cannot receive the refund;
the customer expressly agrees to another method; or
applicable law requires another approach.

We do not normally redirect a refund to:

another person;
an unrelated card;
a different PayPal account; or
an unrelated bank account.

Anyora does not charge a fee for issuing a refund.

21. Refund approval and submission

Where a refund is due, Anyora will approve and submit it without undue delay and within the applicable legal or contractual deadline.

The applicable starting point and refund entitlement depend on whether the refund relates to:

a statutory cancellation;
a voluntary return;
faulty or non-conforming goods;
an order cancelled by Anyora;
an unfulfilled order successfully cancelled by the customer; or
a confirmed duplicate payment.

The detailed conditions, starting points and legal deadlines are explained in our Returns, Refunds and Cancellations Policy.

22. Time for a refund to be received

After Anyora submits a refund through the original transaction, customers should normally allow up to 14 calendar days for the funds to appear through the original payment method.

The exact timing depends on the customer’s:

bank;
card issuer;
PayPal account;
digital-wallet provider; or
other payment provider.

Timing may also be affected by weekends, public holidays, account reviews, or an expired, replaced or closed payment card.

A refund may therefore be submitted by Anyora before it becomes visible in the customer’s account.

This customer-receipt period does not extend any mandatory legal or contractual deadline by which Anyora must approve or issue the refund.

If a refund has not appeared after 14 calendar days, contact support@anyora.uk so that we can check its status and, where available, provide transaction or refund-tracing information.

23. Wallet and PayPal refunds

A refund for an order paid using PayPal, Shop Pay, Apple Pay or Google Pay will normally be submitted through the original transaction route.

The relevant provider determines how the refund is credited and displayed.

Where a card connected to a wallet has expired, been replaced or been closed, the card issuer or wallet provider normally determines how the refund is routed.

The customer should contact us if a refund has not appeared within the 14-calendar-day period stated in this policy.

24. Duplicate payments and technical errors

If checkout displays an incorrect total, duplicate-payment warning or technical error, customers should check whether an order confirmation or pending transaction already exists before trying again.

When contacting Anyora about a suspected duplicate payment, provide:

your name;
the email address used for the order;
the order number, if available;
the approximate time of the payment attempt;
the amount displayed; and
a description or screenshot of the issue.

Do not provide complete payment-card details, security codes or passwords.

If a duplicate payment is confirmed, we will issue the applicable refund without undue delay.

25. Chargebacks and payment disputes

Customers may contact Anyora before opening a payment dispute so that we have an opportunity to investigate and resolve the issue.

Contacting us first is not compulsory and does not restrict the customer’s right to contact:

their bank;
card issuer;
PayPal;
wallet provider; or
another relevant payment provider.

When investigating or responding to a dispute, we may provide relevant information to banks, payment providers, card networks and dispute-resolution services.

This information may include:

order and transaction records;
delivery and tracking information;
refund records;
customer communications; and
evidence relevant to the disputed transaction.

26. Personal information

Payment-related personal information is processed as explained in our Privacy Policy.

Depending on the payment method, Shopify Payments, PayPal, a card issuer, a digital-wallet operator or another provider may process information separately for:

payment processing;
authentication;
fraud prevention;
dispute handling;
security; and
regulatory compliance.

27. Changes to this policy

We may update this Payment Policy for future orders to reflect changes to:

checkout;
managed payment methods;
accepted payment methods;
payment capture;
delivery charges;
payment providers;
refund procedures;
security practices; or
legal requirements.

The updated version will be published with a revised “Last updated” date.

The version available when an order is placed applies to that order.

We will not apply a later change retrospectively to reduce a right forming part of an existing order.

Before making a material change, we will update the corresponding website, checkout and other relevant customer-facing information.

28. Contact us

For questions concerning a payment, failed transaction, pending authorisation, cancellation or refund, contact: