Payment Policy

Last updated: 21 June 2026

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

This policy should be read with our Terms and Conditions, Shipping Policy, Returns, Refunds and Cancellations Policy, and Privacy Policy.

Nothing in this policy excludes, limits or replaces any statutory consumer right or remedy that cannot legally be excluded or limited.

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: https://anyora.uk

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

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

2. Currency

All prices, delivery charges, discounts, payments and refunds are shown and processed in pounds sterling.

If your bank, card or payment service operates in another currency, it may apply its own exchange rate or currency-conversion charge.

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

3. Prices and taxes

Product prices include any tax that Anyora is legally required to include.

The price payable for an order is the total shown during checkout, subject to the correction of an obvious pricing or product-information error before the order is accepted.

Standard delivery to an eligible United Kingdom address costs £5.99 per order unless a free or different delivery option is clearly stated.

We will not add an undisclosed compulsory processing, handling, service, logistics or delivery charge after you submit the order.

4. Accepted payment methods

Depending on eligibility and technical availability, payment methods displayed during checkout may include:

Visa;
Mastercard;
American Express;
Maestro;
UnionPay;
Discover;
Diners Club;
Shop Pay;
Apple Pay;
Google Pay; and
PayPal.

The payment methods available for a particular order are only those displayed during checkout.

Availability may depend on:

your device or browser;
your location;
your card issuer or payment provider;
the billing information provided;
the order value;
authentication or fraud-prevention checks; and
technical availability.

Displaying a payment logo does not guarantee that every card or account issued under that brand will be accepted.

5. Payment methods not currently accepted

Unless checkout expressly states otherwise, Anyora does not currently accept:

Shop Pay Instalments;
other buy-now-pay-later or instalment services;
gift cards;
store credit;
bank transfers;
cash on delivery;
cheques;
cryptocurrency; or
other manual or offline payment methods.

6. Placing an order

Before submitting an order, you will be able to review and correct material information, including:

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

The final checkout button or equivalent action will make clear that submitting the order creates an obligation to pay.

By submitting an order, you authorise the selected payment provider to process the total amount displayed during checkout.

7. Order acknowledgement and contract formation

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

An automated order acknowledgement, payment authorisation, payment receipt or payment capture does not by itself mean that Anyora has accepted the order.

A binding contract is formed when we send a dispatch confirmation stating that the relevant goods have been dispatched.

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

If payment has been captured for an order that we do not accept, we will cancel the order and initiate a refund promptly.

8. Payment authorisation and capture

Depending on the selected payment method, payment provider and checkout configuration, payment may:

be authorised and captured when the order is submitted;
be authorised first and captured later;
appear temporarily as pending or processing; or
require additional authentication before completion.

The payment status shown by your bank or payment provider may temporarily differ from the order status shown by Anyora.

9. Payment providers

Card and digital-wallet payments may be processed through Shopify Payments or another payment processor displayed during checkout.

PayPal payments are processed through PayPal where PayPal is selected.

Shop Pay, Apple Pay and Google Pay may be available where supported by your device, browser, account and payment method.

Payment providers, banks, card networks and digital-wallet operators may process transaction information under their own terms and privacy notices.

10. Payment authentication

Your card issuer or payment provider may require additional authentication, including:

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

If required authentication is not completed successfully, the payment or order may not be completed.

11. Failed or declined payments

A payment may fail or be declined because of:

incorrect payment or billing information;
insufficient funds or available credit;
an expired, blocked or restricted payment method;
failure to complete authentication;
a decision by the bank or payment provider;
fraud or security screening;
a technical interruption; or
the payment method being unavailable.

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

If a payment fails, you may try again using corrected information or another payment method shown during checkout.

Repeated unsuccessful payment attempts may be restricted for security reasons.

12. Pending authorisations

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

A pending authorisation is not necessarily a completed charge.

Your bank, card issuer or payment provider controls when a pending authorisation is released.

If a pending entry remains longer than the period stated by your provider, contact that provider. You may also contact Anyora so that we can confirm the order and payment status visible to us.

13. Fraud prevention and payment verification

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

We may:

review payment and order-risk indicators;
contact you to confirm order information;
request reasonable additional verification;
delay processing while an order is reviewed;
restrict repeated payment attempts;
refuse an order before acceptance; or
cancel and refund an order that cannot be verified or accepted.

Automated systems may provide fraud or security risk indicators, but Anyora will not refuse or cancel an order solely through a significant automated decision without meaningful human review.

A payment provider may independently approve or decline a payment under its own procedures.

We will not ask you to provide your complete card security code, online-banking password or digital-wallet password by email or telephone.

14. Payment surcharges

Anyora does not charge an additional fee solely because you use an accepted consumer credit card, debit card, PayPal, Shop Pay, Apple Pay or Google Pay.

Your bank or payment provider may impose a charge under its own agreement with you.

Any such charge is not imposed, received or controlled by Anyora.

15. Payment security

Checkout is provided through Shopify and the applicable payment provider.

Complete payment-card numbers and card security codes are normally collected and processed directly by the payment provider rather than stored by Anyora.

Anyora staff normally have access only to limited or masked payment information, such as:

payment status;
transaction reference;
payment-method type;
billing name and address;
the final digits of a payment card;
refund and dispute information; and
fraud or security indicators.

Do not send complete card numbers, card security codes, online-banking passwords or digital-wallet credentials to Anyora by email, telephone, contact form, photograph or other communication.

16. Cancelling an order before dispatch

Contact support@anyora.uk as soon as possible if you wish to cancel an order before dispatch.

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

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

If the order has already been dispatched, your cancellation and return rights are explained in our Returns, Refunds and Cancellations Policy.

This operational procedure does not restrict any statutory cancellation right.

17. Refund method

Refunds are normally issued through the original transaction and to the original payment method.

We will use another method only where:

the original payment method cannot receive the refund;
you expressly agree to another lawful method; or
applicable law requires another approach.

We do not normally redirect a refund to another person, an unrelated payment card, a different PayPal account or an unrelated bank account.

Anyora does not charge a fee for issuing a refund.

18. Refund timing

Where you are entitled to a refund, we will initiate it without undue delay and within the applicable legal deadline.

The relevant deadline depends on whether the refund relates to:

a statutory cancellation;
faulty or non-conforming goods;
a voluntary return;
an order cancelled by Anyora; or
an accidental duplicate payment.

Detailed refund deadlines are set out in our Returns, Refunds and Cancellations Policy.

We control when a refund is submitted, but not how quickly your bank or payment provider displays the funds after submission.

Depending on the provider, it may take up to 10 business days, or another period stated by that provider, for the funds to appear.

19. Digital-wallet and PayPal refunds

A refund for an order paid through 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 or displayed.

If a card linked to a digital wallet has expired or been replaced, the card issuer normally determines how the refund is routed.

20. Duplicate payments and technical errors

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

Contact support@anyora.uk and provide:

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

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

If an accidental duplicate payment is confirmed, we will initiate the applicable refund promptly.

21. Chargebacks and payment disputes

Please contact us first where possible if you do not recognise a payment or have a concern about an order.

This is not a requirement and does not restrict your right to contact your bank, card issuer, PayPal or another payment provider.

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

This may include:

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

22. Personal information

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

Depending on the selected payment method, payment providers may act as separate controllers for transaction, authentication, fraud, regulatory or security processing.

23. Changes to this policy

We may update this policy for future orders to reflect changes to:

our checkout;
payment methods;
delivery charges;
payment providers;
refund procedures;
security practices; or
legal obligations.

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

The version available when you place an order will apply to that order.

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

24. Contact us

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