Payment Methods & Security

Last updated: 16 August 2026

This policy sets out how you can pay, how your payment details are protected, and what appears on your statement.

Accepted payment methods

We accept major credit and debit cards, including Visa, Mastercard and American Express, processed by our third-party payment providers.

The payment methods actually available to you are the ones displayed at checkout at the time you order. If a method is not shown at checkout, it is not currently available — please do not assume otherwise from any other page or from a third-party listing.

Currency

All transactions are processed in pounds sterling (GBP). If your card is denominated in another currency, your bank converts the amount at its own exchange rate and may add a foreign-transaction fee. Those bank charges are outside our control. See Pricing & Currency.

When you are charged

Payment is taken when you place your order. If we cannot fulfil the order, we refund it in full to the original payment method.

How your card details are protected

Card details are entered on a secure, encrypted page and passed directly to our payment provider.
UrbanFarmly never sees or stores your full card number, expiry date or security code.
Our payment providers are PCI-DSS compliant.
Card payments may require additional authentication from your bank, such as 3-D Secure. This is a bank requirement, not an extra step we add.

Declined payments

If a payment is declined, the order is not placed. The most common causes are an address mismatch, insufficient funds, or a bank fraud block. You may see a temporary authorisation hold on your account which your bank releases, usually within a few business days. Contact your bank first; if the problem persists, contact us.

What appears on your statement

The descriptor on your statement is set by the payment provider that handled the transaction and may not read exactly as "UrbanFarmly". If you do not recognise a charge, contact us with your order number before raising a dispute — we will identify it for you straight away.

Pricing errors

If an item is listed at an obviously incorrect price, we may cancel the order and refund you in full rather than fulfil it. We will always contact you first.

Fraud prevention

Orders are screened for fraud. We may ask for verification before dispatch, or decline an order we cannot verify. See Account Security & Fraud Prevention.