Payment Policy

1 Introduction

At Judith Kitchen Takeaway, we aim to give customers secure, convenient and reliable ways to pay. This Payment Policy explains how payments are processed for orders placed through our website, at our shop, and through any other approved ordering channel.

2 Accepted Payment Methods

We may accept the following payment methods:

• Visa, Mastercard, Maestro and American Express debit and credit cards
• Contactless payments
• Mobile wallet payments, where available
• Cash payments in-store, where available
• Other payment methods shown at checkout

Available payment methods may change from time to time, and some methods may only be available for online orders or for in-store orders.

3 Online Payments

When you place an order online, you choose your preferred payment method and your payment details are processed securely by our payment provider. We start preparing your food after your payment has been successfully confirmed. Orders will not be prepared or sent out for delivery until payment has been authorised.

4 Payment Security

We take payment security seriously. Card payments are processed by a trusted third-party payment provider using secure, encrypted systems designed to protect your information. We do not store your full card details on our website or systems, and we take reasonable steps to prevent fraudulent transactions.

5 Card Payments

When paying by card, you must be the cardholder or have the cardholder's permission to use the card. Payments must be authorised by the card issuer, and extra verification (such as 3D Secure or a one-time passcode from your bank) may be needed. We may refuse a payment where we suspect fraud or unauthorised use.

6 Failed or Declined Payments

If your payment is declined or fails, your order will not be completed and the kitchen will not start preparing your food. Please check your card details and available funds, or contact your bank or card provider if needed. If a payment is taken but we are unable to fulfil your order, we will refund you in full. Any amount held on your card during a failed payment is normally released by your bank within a few working days.

7 Pricing and Payment Errors

If a pricing or payment error occurs, we may correct the error, contact you before completing the order, or cancel the order and refund you where applicable. Prices shown at checkout include VAT where it applies, and any delivery charge is shown before you pay.

8 Refund Payments

Where a refund is approved under our Returns & Refund Policy, it will normally be returned to the original payment method. Processing times depend on your bank or payment provider, and we cannot control delays caused by third-party financial institutions.

9 In-Store Payments

Payments made at our shop may be processed through our till or EPOS system, which may record transaction details, the items purchased, the payment method and receipt information. Your payment information is handled securely.

10 Receipts and Order Confirmations

You may receive a printed receipt, a digital receipt or an order confirmation email. Please keep these, as we may ask for them if you contact us about a complaint or refund.

11 Fraud Prevention

To protect our customers and our business, we may check suspicious transactions, ask for extra information, and refuse or cancel orders where we suspect fraud. We may keep relevant transaction records where the law requires it.

12 Discounts and Promotions

Discount codes, vouchers and promotional offers may have expiry dates, usage limits, minimum order values and other conditions. Promotional offers cannot normally be exchanged for cash.

13 Contact Us

14 Changes to This Policy

We may update this Payment Policy from time to time. The latest version will always be available on judithkitchen.co.uk.