Payment Terms

Last Updated: August 25, 2026

1. Accepted Payment Methods

At Shmorgen, we provide secure and convenient payment options for our customers. We currently accept the following payment methods, as displayed at checkout:

Credit and Debit Cards
Visa, Mastercard, Maestro, American Express, Discover, Diners Club

Express Checkout Options
Apple Pay, Google Pay, Shop Pay, PayPal

Available payment methods may vary depending on your location and will be clearly displayed during checkout before you complete your payment.

2. Secure Payment Processing

All payments on our store are processed through Shopify's secure payment system and trusted third‑party payment providers.

  • SSL Encryption — Our website uses Secure Socket Layer (SSL) technology to encrypt all data during transmission.
  • PCI DSS Compliance — Our payment processing partners comply with the Payment Card Industry Data Security Standard (PCI DSS).
  • No Card Storage — We do not store or have access to your full credit card or debit card details.

Your payment information is handled securely by certified payment processors at all times.

3. Currency and Pricing

Default Currency
All transactions are processed in British Pounds (GBP, £).

Currency Conversion
If your payment method uses a different currency, your bank or card issuer will apply the applicable exchange rate. Any foreign transaction fees or currency conversion charges are the responsibility of the customer and are not controlled by Shmorgen.

VAT
All prices displayed on our website include Value Added Tax (VAT) at the applicable rate for the United Kingdom, where required. The total amount payable, including any taxes, will be clearly shown at checkout before you complete your order.

We do not apply hidden charges or undisclosed fees.

4. Order Verification

To ensure transaction security and prevent fraudulent activity:

  • We reserve the right to verify billing and payment details before processing an order.
  • In some cases, additional verification may be required, and we may contact you by email or phone.
  • If your payment is declined, please check your billing information or contact your payment provider.
  • We may cancel orders that fail verification or show signs of suspicious activity.

5. Payment Timing

Immediate Charge
Payments are charged at the time of order placement. Your card will be authorised when you submit your order.

Order Confirmation
You will receive a confirmation email once your payment has been successfully processed. If you do not receive a confirmation, please check your spam folder or contact us.

6. Refunds and Chargebacks

Refunds for approved returns, cancellations, or faulty items will be issued to the original payment method used for the purchase. Please allow 5‑10 working days for the refund to appear in your account, depending on your payment provider.

If you have any concerns about a charge on your statement, please contact us before initiating a chargeback so we can resolve the issue directly. For full details on refunds, please refer to our Return and Refund Policy.

7. Failed Payments

If a payment fails to process, your order will not be completed. You may retry the payment using the same or a different payment method. We are not responsible for any fees charged by your bank or payment provider as a result of failed transactions.

8. Contact Information

If you have any questions regarding payments, please contact us:

Store Name: Shmorgen
Email: hello@shmorgen.com
Phone: +44 1708 479681
Business Address: 72 Heath Park Road, Romford, RM2 5XA, United Kingdom

Business Hours:
Monday — Saturday
9:00 AM — 6:00 PM (GMT)