At Fruktos, we accept standard and secure payment methods for furniture orders placed through our website.

Please review this Payment Policy before completing your purchase.

1. Accepted Payment Methods

Fruktos accepts major credit cards, debit cards, and official online payment gateways to ensure a seamless and secure checkout experience. Accepted payment methods include:

• Credit Cards: Visa, Mastercard, American Express (AMEX)
• Debit Cards: Visa Debit, Mastercard Debit, Maestro
• Digital Wallets: Apple Pay, Google Pay
• Online Payment Gateways: PayPal (supporting PayPal balance, linked bank accounts, and major card payments)

During checkout, you can choose your preferred payment method. Transactions are processed securely through official encrypted checkout channels. Fruktos does not control individual bank approval decisions, card transaction limits, or account eligibility checks enforced by issuing banks or payment gateways.

2. Currency

All product prices and delivery charges on our website are displayed and processed in pounds sterling (GBP £) unless clearly stated otherwise.

If your card or payment account is issued in a currency other than GBP, your bank, card issuer, or payment provider will apply their official exchange rate and applicable international transaction fees. Please review the final payment total before confirming your order.

3. When Payment Is Taken

Payment is requested and charged when you place your order.

Your order will not be processed for dispatch until payment has been successfully authorized and confirmed to us. An attempted payment, pending authorization, declined payment, or unconfirmed transaction does not constitute a completed purchase.

After successful payment and order processing, an official order confirmation receipt will be automatically sent to the email address provided at checkout.

4. Customer Payment Responsibilities

You must provide accurate information and use a payment method or card that you are legally authorized to use.

You are responsible for:

• Ensuring your billing address and payment details are accurate.
• Confirming that your selected payment card or method is valid and active.
• Making sure sufficient funds or credit limits are available for the transaction.
• Reviewing the total amount before approving payment.

Fruktos will never ask you to send your payment card password, PIN, security code (CVV), or complete card details via email, telephone, social media, or message.

5. Payment Security & Data Handling

All online transactions are processed using industry-standard SSL (Secure Sockets Layer) encryption and 3D Secure authentication procedures.

Fruktos does not receive, store, or process your complete credit/debit card numbers or passwords on our servers. We receive only transaction status and fulfillment information necessary to complete your order, such as:

• Your name and order reference.
• Payment provider transaction ID.
• Payment status and total amount paid.
• Billing and delivery details.
• Order items and quantity.
• Risk verification information provided by payment processors.

6. Payment Confirmation and Order Acceptance

Receiving a payment authorization or email confirmation does not constitute final order acceptance by Fruktos. We reserve the right to cancel or refund an order if:

• The product is unavailable or out of stock.
• The delivery address cannot be serviced by our carriers.
• There is an obvious pricing or product-description error.
• The payment is reversed, disputed, flagged, or cannot be verified.
• We suspect fraud or unauthorized activity.
• We are unable to fulfill the order for another lawful reason.

If we cancel an order after receiving payment, we will issue a full refund back to the original payment source used during purchase.

7. Failed, Declined, or Pending Payments

If your payment fails, is declined, remains pending, or cannot be verified by your bank or payment provider, your order will not be accepted or processed.

You may need to:

• Check with your issuing bank or card provider.
• Confirm your funding source and available balance.
• Try an alternative valid payment card or method.
• Place the order again after the payment issue is resolved.

Do not submit multiple payments for the same order without checking whether the first transaction was completed. If you believe you have been charged more than once, contact us at info@fruktos.co.uk with your order details and transaction reference.

8. Payment Reversals, Disputes, and Chargebacks

If a payment is reversed, disputed, charged back, or otherwise withdrawn, we may pause order processing, suspend delivery, or contact you for further information.

We work directly with card networks and payment service providers to resolve payment queries efficiently and transparently.

9. Consumer Rights & Protection

Your purchase is protected under applicable UK Consumer Law, including the Consumer Rights Act 2015 and Consumer Contracts Regulations. Additionally, payments made via eligible payment methods or PayPal may carry provider-specific buyer protection according to their official terms.

Third-party protection schemes do not replace your statutory rights under UK law or Fruktos’s Returns and Refund Policy.

10. Refunds

Where a refund is approved under our Terms of Service, Returns & Refund Policy, or applicable law, it will be issued directly to the original payment method (Visa, Mastercard, AMEX, Apple Pay, Google Pay, or PayPal) used at checkout.

Refund timing typically ranges from 3 to 5 business days depending on your issuing bank, card provider, or payment gateway processing speeds.

11. Delivery, Returns, and Refund Charges

Payment of an order does not remove your rights under our Shipping Policy, Returns and Refund Policy, or applicable UK consumer law.

Any delivery charge, return cost, refund deduction, or re-delivery charge will be handled as explained in the applicable policy and will not be applied contrary to your statutory rights.

12. Order and Payment Records

We may retain order and payment information for lawful purposes including:

• Confirming transactions and issuing invoices.
• Fulfilling and delivering orders.
• Processing returns and refunds.
• Responding to customer service enquiries.
• Maintaining accounting and tax records.
• Preventing fraud and resolving disputes.
• Complying with UK legal obligations.

For more information, please read our Privacy Policy.

13. Contact Us

If you have questions regarding a payment, order status, refund, or transaction, please contact us:

Fruktos
Phone: +44 7766 854757
Email: info@fruktos.co.uk
Business address: Flat 36 Witham Court, Thant Close, London, England, E10 5PJ
Customer service hours: Monday to Friday, 8:00 AM to 6:00 PM Greenwich Mean Time (London)

Please include:

• Your order number.
• The email address used at checkout.
• Transaction ID or payment reference (if available).
• A brief description of your query.

Do not send your card PIN, password, CVV security code, or sensitive financial information via email.

14. Changes to This Policy

We may update this Payment Policy periodically to reflect changes in payment processors, website updates, or legal requirements.

The latest version will always be published on this page with the updated revision date.