Payment Policy

Last updated: 10 November 2026

1. Introduction

Welcome to Cozy Wing.

This Payment Policy explains how payments work when you purchase products from our online store, https://cozywing.com.

It covers the payment methods available at checkout, when payments are charged, how transactions are secured, and what happens if a payment fails or a refund is required.

This Payment Policy forms part of our Terms of Service and should be read together with our Shipping Policy, Refund & Returns Policy and Privacy Policy.

Nothing in this policy affects your statutory consumer rights under applicable law.

2. Quick Summary

Payment Information	Details
Store Name	Cozy Wing
Website	https://cozywing.com
Currency	British Pounds (£ GBP)
VAT	Included in prices where applicable
Accepted Payment Methods	Visa, Mastercard, American Express, Maestro, PayPal, Apple Pay, Google Pay and Shop Pay, where enabled
Payment Timing	Payment is collected when an order is placed
Payment Security	Encrypted checkout and secure payment processing
Card Information	Full payment card details are not directly stored by Cozy Wing
Refund Method	Original payment method
Refund Processing	Within applicable legal deadlines
Additional Charges	All applicable charges are displayed before payment

Available payment options may vary depending on your location, device and the payment methods enabled at checkout.

3. Accepted Payment Methods

At Cozy Wing, we aim to provide customers with convenient and secure payment options.

Depending on availability, the following methods may be accepted at checkout.

3.1 Visa

Customers may pay using eligible Visa credit or debit cards.

Transactions are processed securely through the payment provider.

3.2 Mastercard

We may accept Mastercard credit and debit cards.

Payments are subject to authorisation by the card issuer.

3.3 American Express

Eligible American Express cards may be accepted where this payment method is enabled.

3.4 Maestro

Maestro debit card payments may be available depending on your bank, location and payment processor.

3.5 PayPal

Customers may be able to pay securely using their PayPal account.

PayPal payments may be funded through an eligible PayPal balance, linked bank account or payment card.

3.6 Apple Pay

Apple Pay allows customers using compatible Apple devices to complete purchases using payment cards stored in Apple Wallet.

Authentication may be required through Face ID, Touch ID or a device passcode.

3.7 Google Pay

Google Pay enables eligible customers to pay using supported payment methods saved to their Google account or digital wallet.

Availability depends on the device, browser, country and payment provider.

3.8 Shop Pay

Shop Pay may allow customers to complete purchases more quickly using securely saved checkout information.

Customers using Shop Pay are subject to the applicable terms and privacy policies of that service.

3.9 Payment Method Availability

The payment methods displayed at checkout are the methods available for your specific order.

Cozy Wing may add, remove or modify supported payment methods.

Unless explicitly offered during checkout, we do not accept cash, cheques or direct bank transfers.

Customers must only use payment methods they own or are authorised to use.

4. Currency, Prices and VAT

4.1 Currency

Prices on cozywing.com are displayed in British Pounds Sterling (£ GBP), unless another currency is clearly indicated.

The currency displayed at checkout determines the amount charged for your purchase.

4.2 Product Prices

We aim to display accurate and transparent prices.

The price shown during checkout includes applicable taxes as required by law.

4.3 Shipping Charges

Shipping charges, where applicable, are calculated and displayed before you confirm payment.

The final checkout total includes the applicable product prices, taxes and shipping charges.

4.4 Currency Conversion

If your payment card or account uses a different currency, your bank or payment provider may convert the transaction amount.

Your bank or card provider may apply:

Currency conversion charges.
Foreign transaction fees.
Exchange rate adjustments.
Other charges permitted under your account agreement.

These charges are determined by your bank or payment provider and are not controlled by Cozy Wing.

4.5 Customs and Import Charges

Where relevant, applicable customs duties, import taxes or mandatory charges will be disclosed before purchase as required by law.

Please review our Shipping Policy for further details.

5. When You Are Charged

5.1 Payment Collection

Payment is normally collected when you place your order.

After a successful transaction, you will receive an order confirmation email.

5.2 Payment Authorisation

Some banks or payment providers may initially place a temporary authorisation hold on your account.

This is used to verify that sufficient funds are available.

If the transaction is not completed, the hold will normally be released according to your bank's processing procedures.

5.3 Order Acceptance

Receiving an order confirmation email means that we have received your order.

A purchase contract is normally formed when we confirm acceptance by dispatching the products, as described in our Terms of Service.

5.4 Cancelled Orders

If an order cannot be accepted because of product unavailability, payment verification issues or another legitimate reason, any payment already collected will be refunded.

5.5 Multiple Shipments

Some orders may be delivered in separate parcels.

You will not be charged an additional payment simply because your order is divided into multiple shipments.

6. Secure Payments

Protecting customer payment information is important to Cozy Wing.

6.1 Secure Checkout

Payments are processed through secure payment processing systems.

Where Shopify is used as our e-commerce platform, payment transactions may be processed through Shopify's checkout and integrated payment providers.

6.2 Encrypted Connections

Our checkout uses secure encrypted connections intended to protect payment information transmitted during transactions.

6.3 Payment Industry Standards

Payment service providers handling payment card data are expected to comply with applicable Payment Card Industry Data Security Standard (PCI DSS) requirements.

6.4 Card Information

Cozy Wing does not directly store customers' complete payment card numbers or card security codes.

Our payment providers may share limited transaction information necessary for order management, such as:

Payment status.
Card type.
Last four digits of the card.
Transaction reference.
Refund status.

6.5 Strong Customer Authentication

Some payments may require additional security verification.

Depending on your bank or payment method, this may include:

A one-time verification code.
Confirmation through a banking application.
Biometric authentication.
3-D Secure verification.

6.6 Digital Wallet Security

Digital payment services such as Apple Pay and Google Pay may use tokenisation and other security technologies.

These technologies help protect actual payment card details during transactions.

6.7 Customer Security Recommendations

To protect your payment information:

Only enter payment details through the official Cozy Wing checkout.
Never share your banking password or PIN.
Do not provide full card details through email or social media messages.
Be cautious of suspicious payment requests.
Contact customer support if you receive a suspicious message claiming to represent Cozy Wing.

7. Declined or Failed Payments

Occasionally, payments may be declined or unsuccessful.

Common reasons include:

Incorrect payment card information.
Expired cards.
Incorrect billing details.
Insufficient available funds.
Transaction limits.
Incomplete bank authentication.
Bank security restrictions.
Temporary payment processing errors.

7.1 What to Do if Your Payment Fails

If a payment is unsuccessful, we recommend:

Checking your card details.
Confirming your billing address.
Ensuring sufficient funds are available.
Completing any required security verification.
Trying another payment method displayed at checkout.
Contacting your bank or payment provider.
Contacting Cozy Wing if the problem continues.

7.2 Payment Taken Without Order Confirmation

If you see a charge but have not received an order confirmation:

Check your email inbox.
Review your spam or junk folder.
Check whether the transaction is pending.
Contact your bank if necessary.
Contact Cozy Wing with the transaction reference and relevant information.

Please do not send your full payment card number or security code.

7.3 Bank Fees

Cozy Wing is not responsible for independent bank fees such as overdraft fees or foreign transaction charges, except where applicable law requires otherwise.

8. Fraud Prevention and Order Verification

Cozy Wing takes reasonable measures to protect customers and the business against fraudulent transactions.

8.1 Fraud Monitoring

Our payment providers may use automated systems to identify unusual or suspicious transactions.

8.2 Additional Verification

In certain circumstances, we may request additional information to verify an order.

We will only request information reasonably necessary for the verification process.

We will never ask customers to provide their complete card number, PIN or security code through email.

8.3 Suspicious Transactions

We may delay, decline or cancel an order where there are legitimate concerns about fraud or unauthorised payment activity.

Where an order is cancelled and payment has already been collected, the appropriate refund will be issued.

8.4 Unauthorised Payments

Customers must only use payment methods they own or have permission to use.

Suspected fraudulent transactions may be reported to relevant payment providers or authorities where appropriate and lawful.

9. Pricing Errors

Cozy Wing makes reasonable efforts to ensure product prices are accurate.

However, occasional technical or administrative errors may occur.

If a product is displayed at an obviously incorrect price, we may contact you before accepting the order.

You may be offered the option to:

Continue with the purchase at the correct price.
Cancel the order and receive a full refund.

We will not charge you more than the price confirmed during checkout without your agreement.

Accepted orders remain subject to applicable contract and consumer protection laws.

10. Refunds

Refunds are handled in accordance with our Refund & Returns Policy and applicable consumer protection legislation.

10.1 Refund Method

Refunds are normally issued to the original payment method used during checkout.

For example:

Visa refunds are returned to the original Visa card.
Mastercard refunds are returned to the original Mastercard card.
American Express refunds are returned to the original card.
PayPal refunds are processed through PayPal.
Apple Pay refunds are returned through the original underlying payment method.
Google Pay refunds are processed through the original underlying payment method.
Shop Pay refunds are returned through the original payment method used.

10.2 Refund Processing

Where a customer exercises a valid statutory cancellation right, refunds will be processed within the applicable legal timeframe.

For eligible change-of-mind returns, this is generally within 14 days after receiving the returned goods or satisfactory evidence that they have been sent back, whichever occurs first.

Different rules may apply where an order has not been delivered or goods are faulty.

10.3 Bank Processing Times

After Cozy Wing issues a refund, your bank or payment provider may require additional time to display the funds.

This may take approximately 3–10 business days, depending on the payment provider.

If your refund has not appeared after the expected processing period, please contact your payment provider and then our customer support team.

10.4 Refund Fees

Cozy Wing does not charge administrative fees for legally required refunds.

10.5 Promotional Discounts

If your order was purchased using a promotional code or discount, the refundable product amount is normally based on the price actually paid.

10.6 Refund Confirmation

You will normally receive an email confirming that your refund has been processed.

For further information, please review the Refund & Returns Policy on cozywing.com.

11. Cancelling an Order and Payment

If you wish to cancel an order, please contact Cozy Wing as soon as possible.

11.1 Cancellation Before Dispatch

If your order has not been dispatched, we will make reasonable efforts to cancel it.

Where cancellation is completed, any collected payment will be refunded in full.

11.2 Cancellation After Dispatch

If your order has already been dispatched, you may still have the right to cancel your purchase under applicable consumer law.

Eligible customers generally have a 14-day cancellation period after receiving goods.

Please follow the procedures explained in our Refund & Returns Policy.

11.3 Statutory Rights

Nothing in this section limits your legal rights concerning cancellations, faulty goods or undelivered orders.

12. Payment Disputes and Chargebacks

If you experience a payment problem, please contact our customer support team.

We aim to investigate and resolve legitimate concerns fairly.

12.1 Chargebacks

Depending on the payment method, you may have the right to request a chargeback through your bank or card provider.

These procedures are governed by the relevant payment provider's rules.

12.2 Credit Card Protection

Eligible customers may have additional protection under applicable consumer credit legislation.

For example, Section 75 of the UK Consumer Credit Act 1974 may apply to certain qualifying credit card purchases where the cash price exceeds £100 and does not exceed £30,000.

12.3 PayPal Buyer Protection

Eligible PayPal purchases may be covered by PayPal's Buyer Protection programme, subject to PayPal's terms and eligibility requirements.

12.4 Dispute Investigation

If a payment dispute is opened, we may provide relevant order information, delivery records and customer correspondence to the payment provider.

We handle personal information in accordance with our Privacy Policy and applicable data protection law.

12.5 Fraudulent Disputes

We reserve the right to challenge fraudulent or unjustified disputes using available lawful procedures.

Nothing in this section restricts a customer's legitimate right to dispute a transaction.

13. Saved Payment Details and Digital Wallets

Some payment services allow customers to save payment and checkout information for future purchases.

These services may include:

Shop Pay.
Apple Pay.
Google Pay.
Other supported digital wallets.

Saved payment information is generally managed by the relevant payment provider under its own privacy policy and terms.

Cozy Wing does not directly manage the complete card details stored in these digital wallets.

Customers should protect their payment accounts through appropriate security measures.

We recommend enabling device authentication and keeping passwords confidential.

14. Receipts and VAT Invoices

After successfully placing an order, you will normally receive an order confirmation email.

This email contains your purchase information, including:

Order number.
Purchased products.
Product quantities.
Total amount paid.
Applicable shipping charges.
Payment information.

If you require a receipt or VAT invoice, please contact Cozy Wing.

Email: [Your customer service email]

Please include:

Your order number.
Your full name.
Billing address.
Any additional invoice information required.

VAT invoices will be issued where applicable and in accordance with relevant tax requirements.

15. Personal Data and Payments

Cozy Wing respects your privacy.

Personal information collected during payment transactions is processed in accordance with our Privacy Policy and applicable data protection laws.

We may share necessary information with payment service providers to:

Process payments.
Verify transactions.
Prevent fraud.
Issue refunds.
Handle disputes.
Meet legal and accounting obligations.

Payment providers may also process information as independent data controllers under their own privacy policies.

For additional details, please review the Privacy Policy available on https://cozywing.com.

16. Changes to This Payment Policy

Cozy Wing may update this Payment Policy periodically.

Changes may be made to reflect:

New payment methods.
Changes to existing payment providers.
Security improvements.
Updates to our checkout system.
Changes in applicable law.
Updates to business operations.

When this policy changes, we will publish the updated version on our Website.

The "Last updated" date will indicate the most recent revision.

The version applicable when your order is placed will generally govern that transaction, subject to mandatory legal requirements.

We encourage customers to review this policy occasionally.

17. Contact Us

If you have questions about payment methods, charges, failed transactions, refunds or payment disputes, please contact our customer support team.

Company Information

Store Name: Cozy Wing

Website: https://cozywing.com

Registered Business Name: [Your registered business name]

Business Registration Number: [Your registration number, if applicable]

VAT Number: [Your VAT number, if applicable]

Business Address: [Your registered business address]

Customer Support Email: [Your customer service email]

Phone: [Your business phone number, if applicable]

Customer Service Hours: [Your customer service hours]

When contacting us about an existing order, please include your order number.

We aim to respond to customer enquiries promptly and professionally.

Thank you for shopping with Cozy Wing.

Cozy Wing — Comfort, Quality & Care.

https://cozywing.com