Payment Policy

Last updated: 12 June 2026

This Payment Policy applies to all orders placed through Hcofurniture.co.uk.

Accepted Payment Methods

We accept the payment methods displayed at checkout.

Available payment options may include major debit cards, credit cards and other secure payment methods supported by our payment provider.

The available payment methods will be shown before you complete your order.

Payment Currency

All prices and payments are processed in British pounds sterling (GBP).

Any currency conversion fees charged by your bank or card provider are your responsibility.

When Payment Is Taken

Full payment is required when an order is placed.

Your order will only be processed after payment has been successfully authorised.

After successful payment, an order confirmation will be sent to the email address provided at checkout.

Secure Payment Processing

Payments are processed through secure third-party payment providers.

HCO Furniture does not normally receive or store your complete debit or credit card details.

Customers are responsible for providing accurate payment and billing information.

Prices and Additional Charges

The total price of your order, including any applicable delivery charges, will be clearly displayed before payment is completed.

We will not add unexpected charges after your order has been placed.

Declined or Failed Payments

A payment may be declined for reasons including:

  • Incorrect card or billing information.

  • Insufficient funds.

  • An expired or unsupported card.

  • Bank security checks.

  • Online payment restrictions.

  • Fraud-prevention checks.

If your payment is declined, please check the information entered or contact your bank or payment provider.

We cannot override a decision made by your bank or payment provider.

Payment Verification

We may carry out payment and identity checks to prevent fraud and unauthorised transactions.

We may contact you for additional information before processing an order.

An order may be cancelled if payment cannot be verified or if we reasonably suspect unauthorised or fraudulent activity.

Pricing Errors

We aim to ensure that all prices are accurate.

If an obvious pricing error occurs, we may cancel the affected order and issue a full refund to the original payment method.

We will contact you before taking further payment if a corrected price applies.

Refunds

Approved refunds will be issued to the original payment method used for the order.

We aim to process approved refunds within 3–5 business days.

Your bank or payment provider may take additional time to display the refund in your account.

Further information is available in our Returns and Refund Policy and Cancellation Policy.

Payment Disputes

Please contact us before opening a payment dispute or chargeback so we have an opportunity to investigate and resolve the matter.

This does not affect your statutory consumer rights.

Contact Us

For questions about payments or an existing order, contact:

HCO Furniture
Email: contact@hcofurniture.co.uk
Phone: +44 7466 027817
Address: 37 Carnanton Road, London, England, E17 4DB
Website: Hcofurniture.co.uk