Payment Policy

1. About This Payment Policy

This Payment Policy applies to all purchases made through oh-yes-toys.co.uk. It explains how payments are processed, how orders are reviewed, when payments may fail, how refunds work, and what happens in cases of suspected fraud, chargebacks, pricing errors, or unauthorised payment use.

This policy should be read together with our Terms & Conditions, Privacy Policy, Shipping Policy, Return Policy, Cookie Policy, Age Verification Policy, and Disclaimer.

2. Accepted Payment Methods

We accept the payment methods shown at checkout. Available payment options may vary depending on your location, currency, order value, device, payment provider availability, fraud checks, or technical settings.

We may update, add, remove, suspend, or restrict payment methods at any time without notice where needed for security, compliance, provider requirements, fraud prevention, or business reasons.

3. Secure Checkout

Payments are processed through secure checkout systems and trusted third-party payment providers where applicable. Oh Yes Toys does not knowingly store full card numbers or full payment card details on our website servers.

Payment providers may use encryption, authentication, fraud screening, transaction monitoring, and other security tools to help protect customers and the business.

4. Payment Authorisation

By placing an order, you confirm that you are authorised to use the selected payment method and that all payment, billing, and contact information you provide is accurate, complete, and lawful.

If payment is not authorised, if details are incorrect, or if a payment provider declines the transaction, your order may not be accepted or processed.

5. Billing Information

Billing information may be used to process payments, verify transactions, prevent fraud, handle refunds, manage chargebacks, comply with legal requirements, and maintain business records.

Customers are responsible for ensuring that billing names, addresses, email addresses, and payment details are accurate. Incorrect information may cause payment failure, order delay, cancellation, or additional checks.

6. Adult-Only Purchase Requirement

Oh Yes Toys is an adult-only store. By paying for an order, you confirm that you are at least 18 years old and legally permitted to purchase adult products in your location.

We may cancel or review orders where age, identity, payment, billing, or delivery information raises concerns. Additional age or identity verification may be requested before an order is dispatched.

7. Fraud Prevention and Security Checks

To protect customers and the business, orders may be screened for fraud or suspicious activity. Checks may include payment verification, billing and shipping comparison, address review, IP risk checks, order pattern review, failed payment history, chargeback history, or payment provider risk signals.

If an order appears suspicious, we may delay processing, request verification, cancel the order, refuse service, block future orders, or report unlawful activity where appropriate.

8. Failed or Declined Payments

A payment may fail or be declined for many reasons, including insufficient funds, incorrect card details, expired card, bank restrictions, fraud checks, authentication failure, payment provider issues, blocked transaction, or network errors.

If payment fails, your order may not be created, accepted, or processed. You may need to try another payment method or contact your bank or payment provider.

9. Pricing Errors

We aim to display prices accurately, but errors may occasionally happen. If a product, discount, shipping fee, tax amount, bundle price, or promotional offer is displayed incorrectly, we may correct the error, cancel the order, or contact you before proceeding.

We are not required to honour incorrect prices where the error is obvious, technical, accidental, or caused by system malfunction.

10. Currency, Taxes, and Charges

Prices are displayed in the currency shown on the website or at checkout. Depending on your location and payment provider, additional bank fees, currency conversion charges, foreign transaction fees, duties, taxes, or import charges may apply.

These additional charges may be set by banks, card issuers, payment providers, couriers, customs authorities, or local tax authorities and may not be controlled by Oh Yes Toys.

11. Refunds

Approved refunds are usually issued to the original payment method used for the order. Refund times may vary depending on your bank, card provider, payment processor, payment method, weekends, public holidays, and internal processing times.

Shipping fees, return shipping costs, customs duties, courier fees, payment fees, and handling costs may not be refundable unless required by law or unless the issue was caused by our error.

12. Chargebacks and Payment Disputes

If you have a problem with an order, please contact us first so we can help. Chargebacks should not be used as a substitute for contacting support, requesting a return, reporting a delivery issue, or following our policies.

We may provide order records, tracking information, delivery evidence, communication records, payment data, and policy information to payment providers or banks when responding to chargebacks or disputes.

13. Chargeback Abuse

We reserve the right to refuse service, cancel orders, restrict accounts, block future purchases, or take further action where we believe chargebacks, disputes, payment reversals, or refund claims are fraudulent, abusive, repeated, misleading, or made in bad faith.

14. Order Cancellation Before Dispatch

If you need to cancel an order, contact us as soon as possible. We will try to help, but cancellation may not be possible once an order has entered processing, packing, dispatch, courier handover, or fulfilment.

If cancellation is approved before dispatch, a refund may be issued to the original payment method.

15. Payment Privacy

We understand that privacy matters when shopping for adult products. We aim to handle payment-related information discreetly and use it only for order processing, fraud prevention, refunds, customer support, legal compliance, accounting, and business administration.

More information about how we handle personal information is available in our Privacy Policy.