Payment Policy – Lorvain

Effective Date: November 7, 2025

This Payment Policy explains how payments are processed for orders placed on the Lorvain website. We are committed to providing a secure, transparent, and reliable shopping experience for all customers.

Accepted Payment Methods

We accept a variety of secure payment methods to ensure convenience and flexibility for our customers. The following payment options are available at checkout:

• Credit and debit cards: Visa, Mastercard, Discover

• Digital wallets: Apple Pay, Google Pay, Shop Pay
  

• All payment options available will be displayed at checkout based on the customer’s region.

Secure Payment Processing

All payments are processed securely through Shopify’s encrypted payment systems and trusted third-party payment providers.
We do not store or have access to complete credit card information.
Payment data is handled in compliance with PCI-DSS (Payment Card Industry Data Security Standards), ensuring that all financial information is protected during the transaction.

Authorization and Order Verification

When placing an order, your payment method may be pre-authorized to verify funds and prevent fraud.
In certain cases, orders may require additional verification, such as identity confirmation or billing information validation. If verification is required, we will contact you directly via email.

When Payment Is Charged

Payments are charged in full at the time the order is placed.
If the payment fails or is declined, the order will not be processed.

Currency and Exchange Rates

All orders are processed in the currency displayed at checkout.
If your card or payment method is in a different currency, your bank or provider may apply exchange rates or additional fees. Lorvain is not responsible for these charges.

Taxes and VAT

Applicable taxes, including VAT for customers in eligible regions, are automatically calculated at checkout in accordance with local laws.
The final amount shown at checkout includes all required taxes based on your shipping destination.

Payment Security and Fraud Prevention

To protect our customers and our business, all orders go through automated fraud detection systems provided by Shopify and our payment partners.
We reserve the right to cancel or refuse any order if fraudulent or unauthorized activity is suspected.

Failed or Declined Payments

If your payment is declined:

• Verify the billing information

• Check card limits or available balance

• Contact your bank or payment provider
  Orders with failed payments will not be processed until a successful transaction is completed.

Refunds to Payment Methods

Refunds are issued only to the original payment method used during checkout.
Refund processing times depend on your bank or payment provider, typically taking 5–10 business days after we issue the refund.
More details are available in our Return & Refund Policy.

Buy Now, Pay Later (BNPL) Information

If using Klarna, Shop Pay Installments, or similar services:

• Approval is determined by the provider

• Payment schedules and interest (if applicable) are defined by the provider

• Lorvain has no control over installment decisions or payment plan adjustments
  All disputes or questions related to installments must be directed to the BNPL provider.

Contact Us

For questions about payments, charges, billing, or refund methods, please contact our support team:
support@lorvain.co.uk

For legal or privacy-related payment concerns:
privacy@lorvain.co.uk

VAP GLOBAL COMMERCE LLC (d/b/a “Lorvain”)
7901 4th St N, Ste 300, 130
St. Petersburg, FL 33702
United States