Payment Policy

Last Updated: April 2026

At Tremy Nayla, owned and operated by Butterfly Apartments LTD, we are committed to providing a secure, transparent, and seamless checkout experience. This policy outlines our accepted payment methods, security standards, and billing terms for all customers in the UK, USA, and EU.

1. Accepted Payment Methods

To ensure convenience, we offer a wide variety of secure payment options at checkout:

Credit/Debit Cards: Visa, Mastercard, Maestro, American Express (Amex), Discover, Diners Club, UnionPay, and Elo.
Digital Wallets: Google Pay and Apple Pay.
Express Checkout: Shop Pay and PayPal.
Flexible Financing: Klarna (available in supported regions).

2. Secure Transaction Standards

Your financial security is our primary concern. We employ industry-leading protocols to protect your data:

SSL Encryption: Our website utilises Secure Sockets Layer (SSL) technology to encrypt your personal and payment information during transmission.
PCI Compliance: All transactions are processed via level 1 PCI-DSS-compliant payment gateways. This ensures your card data meets the highest global security standards.
Data Privacy: Tremy Nayla does not store, host, or have access to your full credit or debit card details. All sensitive payment data is handled exclusively by our encrypted payment processors.

3. Currency and Pricing Transparency

Billing Currency: All transactions are processed in British Pounds (GBP/£). If you are shopping from the USA or EU, your bank may apply a currency conversion fee based on their current rates.
Price Guarantee: The total price displayed at checkout includes the product cost, calculated shipping fees, and applicable UK VAT. There are no hidden fees.

4. Billing Terms & Conditions

Immediate Authorisation: Your chosen payment method will be charged at the moment your order is successfully placed and confirmed.
Payment Verification: For your protection, all orders undergo a security screening. We reserve the right to request additional verification or cancel orders that fail our fraud prevention protocols.

5. Sales Tax & VAT

United Kingdom: Prices shown are inclusive of VAT where applicable.
USA & EU Customers: While we handle UK-based taxes, international orders may be subject to local import duties or state taxes upon arrival. As outlined in our Shipping Policy, these charges are the responsibility of the recipient.

6. Third-Party Payment Providers

PayPal & Shop Pay: When selecting these options, you will be redirected to their secure platforms. Please ensure your shipping address on those accounts matches your order details to prevent dispatch delays.
Klarna: By choosing Klarna, you agree to their specific Terms and Conditions and Privacy Policy. Klarna may perform a soft credit check that does not impact your credit score.

7. Troubleshooting Payment Failures

If your transaction is declined, please verify the following:

Card Details: Check the expiration date and CVV code.
Billing Address: Ensure the billing address entered matches the record held by your bank.
Fund Availability: Confirm sufficient funds or credit limit for the purchase.
If issues persist, we recommend contacting your financial institution or attempting an alternative payment method.

8. Refunds

In the event of a return or cancellation, all refunds are strictly issued back to the original payment method used. Please allow up to 10 business days for the funds to reflect in your account, depending on your bank's processing times.