Payment Policy
Payment Policy
At Baby Blossom & Bloom, we are committed to providing secure, transparent, and convenient payment options for all our customers. This page explains our accepted payment methods, payment service providers, associated fees, and important information about transactions.
Payment Service Provider
All payments on our website are securely processed through Shopify Payments, powered by Stripe. This ensures your payment information is encrypted and handled with the highest security standards, including PCI DSS Level 1 compliance.
Your payment details are never stored on our servers and are processed directly through secure, encrypted connections.
Accepted Payment Methods
Credit & Debit Cards
We accept all major credit and debit cards:
- Visa
- Mastercard
- American Express
- Maestro
Your card will be charged at the time your order is confirmed. All transactions are processed in British Pounds (GBP).
Digital Wallets
For faster, more convenient checkout, we accept:
- Apple Pay - Available on Safari and iOS devices
- Google Pay - Available on Chrome and Android devices
- Shop Pay - Save your details for express checkout on future purchases
Digital wallet payments are processed instantly and offer enhanced security through biometric authentication.
PayPal
We accept PayPal for both desktop and mobile purchases. When you select PayPal:
- You'll be redirected to PayPal's secure login page
- If you have a PayPal balance, it will be used first before your linked payment method
- You can pay with your PayPal balance, linked bank account, or linked card
- PayPal Buyer Protection may apply to eligible purchases
Payment Methods We Do NOT Accept
For security and processing reasons, we currently do not accept:
- Cash on delivery (COD)
- Bank transfers or wire transfers
- Cheques or postal orders
- Cryptocurrency
- Payment by invoice
When Will I Be Charged?
Your payment method will be charged immediately when you complete your order. You will receive an order confirmation email once payment has been successfully processed.
Important: Authorization holds may appear on your account before the final charge is processed. These typically clear within 1-3 business days.
Payment Security
We take payment security seriously:
- SSL Encryption: All payment pages use 256-bit SSL encryption
- PCI Compliance: Our payment processor is PCI DSS Level 1 certified
- 3D Secure: Additional authentication may be required for certain transactions under Strong Customer Authentication (SCA) regulations
- Fraud Prevention: Advanced fraud detection systems protect both you and us from unauthorized transactions
- No Storage: We never store your complete card details on our servers
Fees & Additional Charges
Transaction Fees
There are no additional fees charged by Baby Blossom & Bloom for using any of our accepted payment methods. The price you see at checkout is the final price you pay.
Currency Conversion
All prices on our website are displayed in British Pounds (GBP). If your bank or card is in a different currency:
- Your bank or card issuer may apply currency conversion fees
- Exchange rates are determined by your card issuer, not by us
- International transaction fees may apply depending on your card issuer's policies
Please check with your bank or card provider for their specific fees and exchange rates.
Shipping Costs
A standard shipping fee of £7.99 applies to all UK orders. This cost is clearly displayed at checkout before you complete your purchase.
Free shipping may be available during promotional periods - check our homepage for current offers.
VAT (Value Added Tax)
All prices include UK VAT at the applicable rate (currently 20% for most products, 0% for certain children's items). VAT is included in the displayed price - there are no hidden tax charges at checkout.
Failed or Declined Payments
If your payment is declined, this may be due to:
- Insufficient funds in your account
- Incorrect card details entered
- Your card issuer's fraud prevention measures
- Card expiry or restrictions
- 3D Secure authentication failure
What to do:
- Check your card details are entered correctly
- Ensure you have sufficient funds available
- Contact your card issuer to authorize the transaction
- Try an alternative payment method
- Contact us if the problem persists
Refunds & Returns
Refund Processing
When a refund is approved:
- Credit/Debit Cards: Refunds are processed to your original payment method within 5-10 business days
- PayPal: Refunds appear in your PayPal account within 3-5 business days
- Digital Wallets: Refunds are processed to the original wallet within 5-10 business days
Please note that your bank or payment provider may take additional time to show the refund in your account.
Return Shipping Costs
Return shipping costs may apply depending on the reason for return. Please see our Refund Policy for full details.
Restocking Fees
We do not charge restocking fees for standard returns. However, items must be returned in their original, unused condition with all packaging and tags intact.
Pre-Orders & Backorders
For pre-order or backordered items:
- Payment is taken at the time of order placement
- Items will be dispatched as soon as they become available
- Estimated dispatch dates are provided on the product page
- You can cancel pre-orders before dispatch for a full refund
Price Matching & Price Adjustments
We do not offer price matching or post-purchase price adjustments. Prices are subject to change without notice, and promotional pricing is valid only during the specified promotional period.
Payment Disputes
If you have a concern about a charge on your account:
- Contact us first at the details below - we're here to help resolve any issues
- Provide your order number and details of the concern
- We'll investigate and respond within 2-3 business days
If you initiate a chargeback or payment dispute with your bank before contacting us, it may delay resolution and could affect future orders.
Contact Us
Contact Us
If you have questions about payments, experience checkout issues, or need assistance with a transaction, please contact us:
Email: support@babyblossomandbloom.com
Phone: 03330900657
Address: 28 Church Road, Elmstead, Colchester, Essex, CO7 7AW, United Kingdom
Subject Line: Payment Inquiry - [Your Order Number]
Response Time: Within 24-48 hours during business days
If you have questions about payments, experience checkout issues, or need assistance with a transaction, please contact us:
Email: support@babyblossomandbloom.com
Subject Line: Payment Inquiry - [Your Order Number]
Response Time: Within 24-48 hours during business days
For urgent payment issues during checkout, please email us immediately and we'll prioritize your request.
Changes to This Policy
We may update this payment policy from time to time to reflect changes in payment methods, service providers, or regulations. Any changes will be posted on this page with an updated revision date.
This payment policy was last updated on 27 November 2025.
Your Rights
This payment policy does not affect your statutory rights under UK consumer law, including the Consumer Rights Act 2015. For more information about your rights, visit Citizens Advice.