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PAYMENT POLICY

Last updated: 28 October 2026

This Payment Policy explains how you can pay for orders on cubect.com (the “Website”), when and how payment is taken, how your payment details are protected, and what happens if a payment fails or is refunded. It forms part of our Terms of Service. By placing an order, you confirm that you have read and accepted this policy.

This policy applies to orders from customers in the United Kingdom. It does not affect your statutory rights as a consumer.

1. Accepted Payment Methods

We accept the following payment methods at checkout:

  • American Express
  • Apple Pay
  • Google Pay
  • Mastercard
  • Shop Pay
  • Visa

The payment methods available to you at checkout may vary depending on your device, browser, location and the card or wallet you use. For example, Apple Pay is shown only on compatible Apple devices and browsers, and Google Pay is shown only on compatible devices and browsers. We do not accept cash, cheques, bank transfers or cash on delivery.

2. Currency

All prices on the Website are shown and charged in British pounds (GBP). If your card or wallet is issued in a different currency, your bank or card provider converts the amount and may apply its own exchange rate and fees. We do not control these and are not responsible for them.

3. Prices, VAT and Delivery Costs

  • The price displayed for each product includes VAT where applicable.
  • Shipping is free on every order within the United Kingdom, so no delivery charge is added at checkout.
  • The total amount shown at the final checkout step is the full amount you pay. Any discount code or promotion you apply is shown there before you pay.
  • We do not ask for any further payment on delivery.

4. When Payment Is Taken

Payment is taken in full when you place your order and complete checkout. When you click to confirm your order, you authorise us, through our payment providers, to charge the total order amount to the payment method you chose.

After you pay, we send you an order confirmation email. Your order is accepted when we dispatch it, as explained in our Terms of Service. If we cannot accept or fulfil your order, we refund you in full as set out in Section 10.

5. Card Payments

When you pay by American Express, Mastercard or Visa, you confirm that:

  • you are the cardholder, or you have the cardholder’s permission to use the card;
  • the card details you entered are accurate and complete; and
  • the card has enough available funds or credit to cover the full order.

Your bank or card provider may charge fees or interest under your agreement with them. We are not responsible for these.

6. Digital Wallets and Express Checkout

You can also pay with digital wallets:

  • Apple Pay: you pay using a card saved in your Apple Wallet, confirmed with Face ID, Touch ID or your passcode.
  • Google Pay: you pay using a card saved in your Google account, confirmed on your device.
  • Shop Pay: you pay using Shop Pay, an accelerated checkout service provided by Shopify. If you use Shop Pay, your details are also handled under the Shop Pay terms and privacy policy, which are set by Shopify.

When you use a digital wallet, the wallet provider shares a secure token of your card with us and our payment provider instead of your full card number. We never see your full card number. Your use of a wallet is also governed by the terms of the wallet provider.

7. Payment Security

We take the security of your payment seriously.

  • Our Website uses encrypted connections (SSL/TLS) at checkout to protect data as it travels between your device and our systems.
  • Payments are processed by secure, certified third-party payment providers that follow the Payment Card Industry Data Security Standard (PCI DSS).
  • We do not see, collect or store your full card number, expiry date or security code (CVV). We receive only limited information, such as the payment status, the type of payment method and the last four digits of the card, which we use to manage your order and any refund.
  • Where required by UK and European rules, your bank may ask you to confirm the payment using strong customer authentication (for example, a code sent to your phone, a banking app approval, or a biometric check). This is normal and is done to protect you.

8. Fraud Prevention and Order Verification

To protect you and our business from fraud, we and our payment providers may carry out checks on orders. These checks may include verifying your identity, payment details, billing address and delivery address.

  • We may delay an order while we complete these checks. If we need more information, we will contact you by email.
  • We may cancel an order, and refund you in full, if we cannot verify it or if we reasonably suspect it is fraudulent.
  • You must not use a payment method that you are not authorised to use. We may report suspected fraud to the relevant authorities and to our payment providers.

9. Failed or Declined Payments

A payment may fail or be declined for several reasons, for example incorrect card details, insufficient funds, a card limit, a failed security check, or a decision by your bank. If your payment fails:

  • your order is not placed, and your Products are not reserved;
  • please check your details, and try again or use another payment method; and
  • if you are unsure why the payment was declined, please contact your bank or card provider, as we do not receive the reason from them.

If money has been taken from your account but you did not receive an order confirmation, please wait 24 hours, check your spam folder, and then email us at support@cubect.com with the date and amount of the payment. Some banks place a temporary hold on funds for a failed payment, which is released automatically, normally within 3 to 7 business days.

10. Refunds

Refunds are always made to the original payment method used for the order. For example, if you paid with a Visa card, the refund is returned to that card. If you paid with Apple Pay, Google Pay or Shop Pay, the refund is returned to the card linked to that wallet.

  • We process refunds within 14 days of receiving your returned goods (or evidence that you have sent them back), or within 14 days of the cancellation of your order, as explained in our Return and Refund Policy.
  • After we issue a refund, your bank or card provider may take 5 to 10 business days to show it in your account.
  • Refunds are made in British pounds (GBP). If your account is in another currency, the amount you receive may differ slightly because of exchange rate changes, which we cannot control.

Please see our Return and Refund Policy for full details on returns, conditions and refund amounts.

11. Duplicate or Incorrect Charges

If you think you have been charged twice, or charged the wrong amount, please contact us at support@cubect.com right away with your order number and payment details. We will review it promptly. If we find that you were charged incorrectly, we will refund the difference or the duplicate charge to your original payment method.

12. Chargebacks and Payment Disputes

If you have a problem with an order, please contact us first so we can resolve it quickly. This is usually the fastest way to get a solution. You also keep the right to ask your bank or card provider to look into a charge, including through a chargeback or, where it applies, a claim under Section 75 of the Consumer Credit Act 1974. If a chargeback is raised, we will cooperate with the bank by providing the relevant order and delivery information.

13. Discount Codes and Promotions

  • Discount codes and promotional offers must be entered at checkout before payment. They cannot be applied after an order is placed.
  • Unless stated otherwise, a code can be used once per order and cannot be combined with other offers.
  • A discount has no cash value. If an order is returned, we refund the amount you actually paid.
  • We may withdraw a promotion at any time. This does not affect orders already placed.

14. Taxes and Invoices

Prices include VAT where applicable. You will receive an order confirmation email with a summary of your order and the total paid. If you need a copy of your invoice or receipt for your records, please email support@cubect.com with your order number.

15. Price Errors

We take care to display accurate prices. If we discover an obvious pricing error after you place an order, we will tell you and give you the choice to confirm the order at the correct price or to cancel it for a full refund, as set out in our Terms of Service.

16. Changes to This Policy

We may update this Payment Policy from time to time, for example when we add or remove a payment method. The version in force when you place your order applies to that order. The date at the top shows when it was last updated.

17. Contact Us

For any questions about payments, charges or refunds, please contact us using the details below. We aim to respond within 1 business day.

Company Information:

Website Name: Cubect
Company Name: SH-Media

Address: Vergiliuslaan 20, 5926 SM, Venlo, Nederland

Chamber of Commerce (KvK): 52063178
VAT number: NL002199577B28

E-mail: support@cubect.com
Phone: +44 7460677254

Customer Service: Monday – Friday (9:00 Am – 6:00 Pm)
Saturday (10am –2pm) (UK time)

We aim to respond within 1 business day.