Billing terms and conditions

Last Updated: December 16, 2025

Introduction

At Klohy, your security and convenience are a priority. We offer a range of secure, reliable payment methods to ensure a smooth and seamless checkout experience, in line with applicable UK, EU, and Swedish regulations.

This Payment Policy should be read in conjunction with our Terms of Service and Privacy Policy.

Accepted Payment Methods

Credit and Debit Cards

We accept major credit and debit cards, including:

Visa
MasterCard
American Express

Card payments allow for fast and secure transactions. Your card details are transmitted directly to our payment processor and are never stored on our servers.

Digital Wallets

For a faster checkout experience, we support the following digital wallets on compatible devices and browsers:

Apple Pay
Google Pay

Digital wallets allow you to complete your purchase securely without manually entering your card details. Simply select Apple Pay or Google Pay at checkout and authenticate using your device (Face ID, Touch ID, or PIN).

Klarna

We offer Klarna as a flexible payment option, allowing you to:

Pay now in full
Pay in instalments (split your payment into interest-free instalments)
Pay later (delay payment for a set period)

Klarna options are displayed at checkout where available. Approval and payment plans are determined directly by Klarna and are subject to Klarna's terms and eligibility criteria. For more information, visit www.klarna.com.

Note: If you choose a Klarna pay-later or instalment option, you enter into a separate agreement with Klarna. Klohy is not responsible for Klarna's terms, fees, or decisions regarding your eligibility.

Currency and Pricing

All prices displayed on our website are in the currency indicated (GBP, EUR, or SEK as applicable) and include VAT where required by law.

The total amount payable, including any delivery charges, will be clearly displayed at checkout before you confirm your order. There are no hidden fees.

For more information about pricing, please see our Terms of Service.

When Payment is Taken

Payment is taken at the time you place your order. Your order confirmation email acknowledges receipt of your order, but a legally binding contract is only formed when we dispatch your order and send you a dispatch confirmation email.

If we are unable to fulfil your order for any reason (e.g., product unavailability, payment verification issues), we will notify you and process a full refund to your original payment method.

Security and Protection

Your privacy and payment security are extremely important to us. We implement the following measures to protect your payment information:

SSL/TLS Encryption: All transactions on the Klohy website are encrypted using advanced SSL/TLS technology, ensuring your data is securely transmitted.
PCI DSS Compliance: All payments are processed through secure, PCI DSS–compliant payment providers who meet the highest industry standards for payment security.
No Card Storage: Klohy does not store or have access to your full payment card details. This information is handled directly by our payment processors.
Fraud Prevention: We use fraud detection measures to help protect you and us from unauthorised transactions.

Payment Issues

Declined Payments

If your payment is declined, please check the following:

Your card details were entered correctly
Your card has not expired
You have sufficient funds or credit available
Your card issuer has not blocked the transaction
Your billing address matches the address registered with your card

If the problem persists, please contact your bank or card issuer, or try an alternative payment method. You can also contact our customer support team for assistance.

Unauthorised Transactions

If you believe an unauthorised transaction has been made using your payment details on our website, please contact your bank or card issuer immediately and notify us at support@klohy.co.

Refunds

If you are entitled to a refund under our Return & Refund Policy, we will process the refund to your original payment method within 14 days of receiving the returned items (or evidence that you have sent them back).

Depending on your payment provider, it may take an additional 5–10 business days for the refund to appear in your account.

Klarna Refunds: If you paid using Klarna, refunds will be processed through Klarna. Any outstanding balance or payment plan will be adjusted accordingly. Please refer to Klarna's terms for more information.

Data Protection

Any personal data collected during the payment process is handled in accordance with the General Data Protection Regulation (GDPR) and UK GDPR. For full details on how we collect, use, and protect your personal information, please refer to our Privacy Policy.

Your Rights

If you are a consumer in the United Kingdom or European Economic Area (EEA), you have statutory rights that are not affected by this policy. This includes your rights under the UK Consumer Rights Act 2015 and the EU Consumer Rights Directive, such as the right to a refund for faulty goods and the right to cancel certain purchases within the cooling-off period.

For more information about cancellations and refunds, please see our Return & Refund Policy.

Changes to This Policy

We may update this Payment Policy from time to time to reflect changes in our payment methods, security measures, or legal requirements. Changes will be effective upon posting to our website with an updated "Last Updated" date.