Payment Policy

Last Updated: May 21, 2026

At Lunova Fashion, operated by Novus Invictus LLC, we prioritise your security and aim to provide a seamless, transparent checkout experience. This policy details our accepted payment methods, security protocols, and billing terms.

1. Accepted Payment Methods

To provide convenience for our customers in Ireland and the United Kingdom, we accept a wide range of secure payment options. You can complete your purchase using:

• Credit/Debit Cards: Visa, Mastercard.
• Digital Wallets: Apple Pay, Google Pay, Shop Pay (for fast and secure mobile checkout).

Irish orders are processed in Euro (€) and UK orders are processed in British Pounds (£). If your card is issued in a different currency, your bank may apply a small conversion fee according to their daily exchange rate.

2. Secure Payment Processing & Data Protection

Your financial security is our top priority.

• SSL Encryption: Our website is equipped with a Secure Sockets Layer (SSL) certificate. All data transmitted between your browser and our server is encrypted end-to-end.
• PCI Compliance: All payments are processed through third-party payment gateways that maintain PCI-DSS Level 1 compliance, the highest standard in the industry.
• No Card Storage: Lunova Fashion does not store or have access to your full credit card details at any point. Your payment information is only used for the specific transaction you authorise.

3. Billing Terms & Conditions

• Immediate Billing: Your chosen payment method will be charged immediately upon completion of the checkout process.
• Order Confirmation: Once the payment is successfully processed, you will receive an automated order confirmation email containing your receipt and order details.
• Verification: To prevent unauthorised transactions, all orders are subject to a security check. We reserve the right to delay or cancel an order if the payment information cannot be verified.

4. Pricing Transparency

We believe in honest pricing at checkout.

• The price displayed at the final checkout screen is the total amount you will pay to Lunova Fashion.
• No Hidden Fees: We do not charge any additional "handling" or "convenience" fees during payment processing.
• Shipping Costs: As per our Shipping Policy, we offer free shipping on orders over €60 (Ireland) or £50 (UK). For orders below that threshold, a flat delivery fee of €4.95 (Ireland) or £3.95 (UK) applies. The applicable shipping cost is added at checkout before payment.
• Import VAT & Customs Fees: Because your order may be dispatched from outside the European Union and the United Kingdom, the local tax authority (Irish Revenue or UK HMRC) or the delivery carrier may apply import VAT and/or a handling fee before releasing your package. These fees, where applicable, are the responsibility of the customer and are separate from the amount paid at checkout. For full details, please refer to our Shipping Policy.

5. Payment Security & Fraud Prevention

To protect both our customers and Lunova Fashion, we use advanced fraud detection tools.

• If our system identifies a transaction as high-risk, we may reach out via email to confirm the identity of the cardholder.
• In cases where fraud is confirmed, the order will be cancelled immediately, and the funds will be released back to the original payment method.
• If you notice any unauthorised charge from Lunova Fashion on your statement, please contact us immediately at support@lunova-fashion.com so we can investigate.

6. Troubleshooting Payment Issues

If your payment is declined at checkout, please ensure:

1. Your card details (number, expiry date, and CVV) are entered correctly.
2. Your card is authorised for international/online transactions.
3. You have sufficient funds available.
4. Your billing address matches the address on file with your bank.

If the issue persists, we recommend contacting your bank or trying an alternative payment method such as Apple Pay or Google Pay.

7. Refund Payments

In the event of a return or cancellation (as per our Refund Policy):

• Refunds are always issued back to the original payment method used during checkout, as required under UK, Irish, and EU consumer law.
• Once processed on our end, it typically takes 7 business days (Monday to Saturday) for the refund to reflect in your account, depending on your bank's processing time.
• Refunds include all applicable VAT and any original shipping fees paid in cases of damaged, defective, or incorrect items.

8. Digital Invoices

Upon successful payment, a digital copy of your order invoice will be sent to your email address. This serves as your proof of purchase and includes your order number, item details, and the total amount paid in your local currency (Euro for Ireland, British Pounds for the UK).

9. Business & Contact Information

For any payment-related inquiries or billing disputes, please reach out to us:

Ownership and Operation: Lunova Fashion is operated by Novus Invictus LLC

Registered Company Name: Novus Invictus LLC

Company Registration Number: 2026-001882100

Registered Address: 30 N Gould St #31823, Sheridan, WY 82801, USA

Email: support@lunova-fashion.com

Phone: +44 7478 057020

Business Hours: Monday to Saturday, 9:00 AM to 6:00 PM GMT/BST (UK and Ireland time)