Payment Policy

At West Cross Appliances, we prioritise clear pricing and bank-level checkout security. Below are the terms governing payments, supported currencies, and accepted cards.

1. Permitted Payment Methods (Strictly Visa & Mastercard)

To guarantee strict compliance with UK banking standards and point-to-point fraud screening, we accept only:

Notice of Exclusions: We do not accept American Express, Discover, Diners Club, PayPal, cash on delivery (COD), personal cheques, or direct BACS wire transfers. Orders must be completed and paid in full at the time of online checkout.

2. Settlement Currency & Transparent Pricing

• All prices across our store are displayed and settled in British Pounds (GBP £).
• Zero Surcharges: The amount shown at checkout is the final total. We do not charge credit card convenience fees, packing surcharges, or processing fees.
• Standard tracked shipping is completely Free (£0.00) throughout the UK.

3. Bank-Grade Checkout Security (SSL Encryption)

Our online checkout operates on bank-level 256-bit SSL encryption and complies with PCI-DSS Level 1 certification. Card details are tokenised directly within banking infrastructure during transaction authorisation. Our systems never store or have access to full card numbers or sensitive CVV codes.

4. Refund Method & Reversals

In accordance with our Returns Policy, all approved refunds are issued within 3 business days of return delivery and credited exclusively to the original Visa or Mastercard used for the initial purchase. We cannot redirect refunds to alternative cards, bank accounts, or issue cash equivalents.