Payment & Billing Policy

Last Updated: 15 August 2026

At JML Pets, we aim to provide customers with secure, convenient, and transparent payment options when purchasing products from JMLPets.co.uk.

This Payment & Billing Policy explains the payment methods we accept, how payments are processed, the currency used on our website, what happens when a payment fails, and how refunds and billing issues are handled.

This policy should be read together with our Terms of Service, Returns & Refund Policy, Shipping & Delivery Policy, and Privacy Policy.

1. About JML Pets

JML Pets is operated by:

Maxence Hermange
Trading as JML Pets

Business Address:
Unit 12 Dodds Ln
Gwersyllt, centre LL11 4NT
United Kingdom

Phone: +44 74 4992 4582
Email: contact@JMLPets.co.uk
Website: JMLPets.co.uk

References in this policy to “JML Pets”, “we”, “us”, or “our” mean Maxence Hermange trading as JML Pets.

2. Accepted Payment Methods

JML Pets currently accepts the following payment methods for eligible purchases:

American Express
Apple Pay
Diners Club
Discover
Google Pay
Maestro
Mastercard
Shop Pay
UnionPay
Visa

The payment methods available for a particular transaction may depend on factors such as your device, browser, payment provider, card issuer, or the checkout options available at the time of purchase.

Only payment methods displayed as available during checkout can be used to complete an online order.

3. Payment Currency

Unless clearly stated otherwise, prices and payments on JMLPets.co.uk are presented and processed in:

Pounds Sterling (GBP / £)

If you use a payment method or account denominated in another currency, your bank, card issuer, or payment provider may convert the transaction into your local currency.

Any currency conversion rate or foreign transaction charge imposed independently by your bank or payment provider is outside the control of JML Pets.

We recommend checking with your payment provider if you need information about currency conversion or charges applied by them.

4. Prices and the Total Amount Payable

We aim to display pricing information clearly and accurately.

Before completing an order, you will be shown the amount payable for your purchase, including applicable delivery charges and other mandatory charges where required.

Where a mandatory charge cannot reasonably be calculated in advance, information explaining how that charge is calculated will be provided where required by law.

Optional products or services will not be added to your order without the consent required by applicable law.

The price that applies to your purchase will be the price presented as part of the ordering process, subject to our Terms of Service and applicable consumer law.

5. Payment Processing

Payments made through JMLPets.co.uk are processed using trusted third-party payment services.

Depending on the payment method you select, your transaction may be processed by:

Your card issuer
Your bank
A digital wallet provider
A payment gateway
An e-commerce payment service
Another authorised payment service provider involved in the transaction

These organisations may process payment information according to their own terms, privacy policies, security requirements, and legal obligations.

JML Pets does not itself store or have access to your complete payment card details where those details are processed directly by our payment service providers.

6. Payment Security

We take reasonable steps to use reputable payment services and appropriate measures designed to protect transactions made through our website.

Payment providers may use security measures such as:

Encryption
Fraud detection
Card verification
Transaction monitoring
Identity or payment authentication
Bank or card issuer verification

In some circumstances, your bank or payment provider may request additional authentication before approving a transaction.

JML Pets will never ask you to send your complete payment card number, card security code, or online banking password to us by ordinary email.

No online payment system can be guaranteed to be completely free from security risks, but we take reasonable precautions when selecting and using payment services.

7. Payment Authorisation

When you place an order, your selected payment method may be subject to authorisation by your bank, card issuer, digital wallet provider, or payment processor.

An order may not be completed if payment cannot be successfully authorised.

Payment authorisation may be refused for reasons including:

Insufficient funds
Incorrect card or payment information
An expired card
Security or fraud-prevention checks
Restrictions imposed by your bank or card issuer
Failure to complete required authentication
Technical problems affecting the payment service

JML Pets does not control the approval decisions made independently by banks, card issuers, or payment providers.

8. Failed or Declined Payments

If your payment is declined or cannot be completed, your order may not be accepted or processed.

If this happens, you may:

Check that your payment information has been entered correctly
Try another accepted payment method
Contact your bank or card issuer for further information
Contact JML Pets if you believe there is a problem with our checkout

For security reasons, we may not receive detailed information explaining why a payment provider declined a particular transaction.

9. Pending Payments

In some cases, a transaction may temporarily appear as pending or reserved on your bank or payment account.

A pending payment does not necessarily mean that JML Pets has received the funds.

If an order is not completed, an authorisation hold may be released automatically by your bank or payment provider.

The time required to release a pending authorisation is determined by the relevant financial institution or payment provider.

If you have questions about a pending transaction, you may need to contact your bank or payment provider directly.

10. Billing Information

When placing an order, you are responsible for providing accurate and complete billing information where requested.

This may include:

Your name
Billing address
Contact information
Other information required to verify or process the transaction

Providing inaccurate or incomplete information may result in a payment being declined, an order being delayed, or additional verification being required.

Please review your billing information carefully before completing checkout.

11. Payment Verification and Fraud Prevention

To protect our customers and business, transactions may be subject to reasonable security and fraud-prevention checks.

Where reasonably necessary, we may ask for additional information to verify:

An order
Customer identity
Billing information
Payment authorisation
Suspicious or unusual transaction activity

We will only request information reasonably relevant to the verification process.

We may delay, decline, or cancel an order where we reasonably believe that:

A payment may be unauthorised
Fraud may be involved
Payment information cannot be verified
The transaction presents a significant security risk
Completing the transaction would be unlawful

If an order is cancelled after we have received payment and you are entitled to repayment, the relevant amount will be refunded.

12. Payment Charges and Surcharges

JML Pets does not impose an additional payment surcharge merely because a consumer chooses an eligible consumer credit card, debit card, or other payment method for which UK law prohibits such charges.

Any delivery charges or other legitimate charges associated with an order will be presented separately or included in the total price as required by applicable law.

This does not prevent your own bank, card issuer, currency provider, or other independent financial service provider from applying charges under its agreement with you, such as foreign exchange fees.

Those independently imposed charges are not collected by JML Pets.

13. Order Confirmation

Submitting payment does not necessarily mean that your order has been accepted.

After placing an order, you may receive an acknowledgement confirming that your order has been received.

Order acceptance is governed by our Terms of Service.

If we cannot accept an order after a payment has already been collected, any amount due back to you will be refunded using the appropriate payment process.

14. Refunds

Refund eligibility is determined in accordance with our Returns & Refund Policy and applicable UK consumer law.

Where a refund is approved, we will normally issue it to the same payment method used for the original purchase, unless:

Another method is expressly agreed;
The original method cannot reasonably be used; or
Applicable law or payment-provider requirements require another process.

Once JML Pets has submitted a refund, additional processing time may be required before it appears in your account.

The time taken for a completed refund to become visible depends on your bank, card issuer, digital wallet provider, or other payment service.

15. Cancelled Orders

If an order is cancelled before completion and payment has already been collected, we will refund the amount due in accordance with the circumstances of the cancellation and applicable law.

If a payment has only been authorised but not fully collected, the authorisation may instead be cancelled or allowed to expire.

The time required for your available balance to update is determined by your payment provider.

16. Duplicate or Incorrect Charges

If you believe that you have:

Been charged more than once for the same order
Been charged an incorrect amount
Been charged for an order you did not place
Received a refund for an incorrect amount

please contact us as soon as reasonably possible.

When contacting us, please provide information that will help us identify the transaction, such as:

Your order number
Your name
The date of the transaction
The amount concerned

For security reasons, please do not send us your complete card number or card security code.

We will review the information available to us and assist with resolving the issue where appropriate.

17. Unauthorised Transactions

If you believe your card, payment account, or digital wallet has been used without your permission, you should contact your bank, card issuer, or payment provider promptly.

You may also contact JML Pets if the transaction appears to relate to an order placed with us.

We may cooperate with payment providers, financial institutions, or relevant authorities where reasonably necessary to investigate suspected fraudulent or unauthorised transactions.

18. Changes to Payment Methods

We may add, remove, or modify the payment methods available through JMLPets.co.uk from time to time.

This may occur because of:

Changes to our payment providers
Technical requirements
Security considerations
Provider availability
Changes to our website platform
Legal or regulatory requirements

The payment methods shown as available during checkout will represent the options available for that particular transaction.

Changes to the payment methods available for future transactions will not affect any refund or other right already arising from a completed purchase.

19. Third-Party Payment Services

Payment methods such as digital wallets and card services may be operated by independent organisations.

Your use of an independent payment service may also be subject to the provider's own:

Terms and conditions
Privacy policy
Security procedures
Eligibility requirements
Account rules

JML Pets is not responsible for independent fees or account restrictions imposed directly by your bank, card issuer, digital wallet provider, or other financial service provider.

Nothing in this section limits JML Pets' responsibility for obligations that legally remain our responsibility as the retailer.

20. Personal Information and Payments

Information connected with an online payment may constitute personal data.

Information handled directly by JML Pets will be processed in accordance with our Privacy Policy and applicable UK data protection law.

Payment providers may separately process information necessary to:

Complete transactions
Verify payments
Prevent fraud
Maintain payment security
Meet regulatory or legal requirements

For further information about how JML Pets handles personal information, please review our Privacy Policy.

21. Your Consumer Rights

Nothing in this Payment & Billing Policy is intended to exclude, restrict, or replace any right or remedy that you have under applicable UK consumer law.

If any provision of this policy conflicts with a mandatory legal requirement, that legal requirement will take precedence.

22. Changes to This Policy

We may update this Payment & Billing Policy from time to time to reflect changes in:

Accepted payment methods
Payment technologies
Payment service providers
Website functionality
Business operations
Applicable laws or regulatory requirements

The latest version will be published on JMLPets.co.uk.

Where appropriate, the Last Updated date at the top of this policy will also be revised.

23. Contact JML Pets

If you have questions about payments, billing, refunds, or a transaction made through JMLPets.co.uk, please contact us:

JML Pets
Operated by: Maxence Hermange

Unit 12 Dodds Ln
Gwersyllt, centre LL11 4NT
United Kingdom