1. Introduction
This Payment Gateway and Tax Policy explains how FikFis Limited ("FikFis") processes payments for orders placed through www.fikfis.co.uk, including how payments are secured, how taxes are applied, and how payment disputes are handled.
2. Payment Gateway: PayPal
2.1 Our Payment Processor
FikFis uses PayPal as its authorised payment processing service provider. All payment transactions are processed by PayPal on our behalf. When you make a payment on our Website, you will be directed to PayPal's secure payment interface.
FikFis Limited remains your retailer and the party responsible for your order under the contract of sale. PayPal's role is to securely process and transfer funds on our behalf; it does not become a party to the retail contract between you and FikFis.
2.2 Accepted Payment Methods
Through our PayPal integration, we accept the following payment methods:
• PayPal balance payments
• Debit cards (Visa, Mastercard)
• Credit cards (Visa, Mastercard)
• PayPal Pay Later options (where available and subject to PayPal's own eligibility criteria)
Availability of specific payment methods may vary and is subject to PayPal's current supported options.
2.3 Currency
All transactions on our Website are processed in pound sterling (GBP). If your payment account is denominated in a different currency, your payment provider or bank may apply a currency conversion, and associated exchange rate fees may apply. FikFis is not responsible for any fees or charges imposed by your bank or payment provider.
3. Payment Security
3.1 Secure Payment Processing
All payment data entered during the checkout process is processed through PayPal's secure platform, which uses industry-standard SSL/TLS encryption. FikFis does not receive, store, or have access to your full payment card details.
3.2 PCI DSS Compliance
PayPal is a PCI DSS Level 1 compliant payment processor, which is the highest level of payment card industry security certification. This means all cardholder data processed by PayPal is subject to rigorous security controls.
3.3 Fraud Prevention
We, in conjunction with PayPal, employ the following fraud prevention measures:
• SSL encryption on all website pages
• PayPal's fraud detection and prevention systems
• Address verification and CVV checks (where applicable)
• Order review processes for high-value or unusual orders
FikFis reserves the right to decline, cancel, or hold for review any order that we or our payment processor reasonably suspect to be fraudulent or placed without the authorisation of the account holder.
4. Payment Authorisation and Order Processing
By submitting your order and completing payment through our checkout:
• You confirm that you are authorised to use the payment method provided
• You confirm that the payment details you have provided are accurate
• You authorise FikFis to process payment for the total order amount displayed at checkout
Payment is taken at the point of order. Your order will be processed only upon successful payment confirmation from PayPal.
5. Failed and Declined Payments
If your payment is declined or fails, your order will not be accepted or processed. Common reasons for payment failure include:
• Insufficient funds in your account or PayPal balance
• Incorrect payment details entered
• Card or account restrictions imposed by your bank or PayPal
• Suspected fraudulent activity flagged by PayPal
If your payment is declined, please:
1. Check the payment details you entered
2. Contact your bank or PayPal to check for any restrictions or issues
3. Try an alternative payment method
4. Contact us at support@fikfis.co.uk if the issue persists
6. Refunds
Refunds will be processed in accordance with our Returns and Refunds Policy and Order Cancellation and Refund Policy. Approved refunds will be returned to the PayPal account or payment method used for the original purchase.
Refunds are processed by FikFis through PayPal. The time it takes for a refund to appear in your account will depend on PayPal's processing times and your bank. Typically, refunds appear within 3–10 business days following processing by us.
7. Payment Disputes and Chargebacks
7.1 Raising a Dispute
If you have a concern about a payment or an order, we encourage you to contact us first at support@fikfis.co.uk so that we can resolve the matter directly and promptly. Most payment disputes can be resolved faster through direct contact with our customer support team than through a formal dispute process.
7.2 PayPal Disputes and Buyer Protection
If you made payment via PayPal, you may also be covered by PayPal Buyer Protection in appropriate circumstances. PayPal Buyer Protection is a service provided by PayPal independent of FikFis and is subject to PayPal's own terms and eligibility criteria. For further details, please refer to PayPal's Buyer Protection policy.
We note that FikFis's own return and refund policies and your statutory rights under UK consumer law provide comprehensive protection and in many cases broader coverage than PayPal Buyer Protection. We encourage you to contact us directly in the first instance.
7.3 Chargebacks
If you initiate a chargeback with your bank or payment provider without first attempting to resolve the matter with FikFis, we reserve the right to dispute the chargeback where we believe it is not warranted. Raising a fraudulent or unwarranted chargeback may result in your account being suspended or orders being refused in future.
If a chargeback is raised after we have already issued a refund for the same transaction, we will provide evidence of the refund to your payment provider as part of the dispute resolution process.
8. Tax and VAT
8.1 Value Added Tax (VAT)
Where applicable, prices displayed on our Website include any applicable VAT. FikFis will comply with its VAT obligations in accordance with HMRC requirements. A VAT receipt will be available upon request for orders to which VAT applies.
8.2 Import Duties and Customs
Products are sourced from international suppliers and imported into the United Kingdom. FikFis takes responsibility for ensuring products are imported in compliance with applicable UK import regulations. However, please note:
• For orders below the current UK customs de minimis threshold, no additional import duties should apply.
• For orders above applicable thresholds, import duty or VAT may be applied at the UK border. FikFis will endeavour to ensure these costs are reflected in the product price or pre-paid where possible.
• In certain circumstances, a customs or carrier fee notice may be issued to you by the delivery carrier upon or before delivery. If this occurs, please contact us at support@fikfis.co.uk as soon as possible so we can assist.
8.3 Your Tax Responsibilities
FikFis is not a tax adviser and cannot provide advice on your personal tax position. If you are purchasing goods as a business customer and require specific tax documentation, please contact us at support@fikfis.co.uk.
9. Changes to This Policy
We may update this policy from time to time. Any changes will be published on our Website with an updated effective date.