For scheduled items, payment is taken 2 weeks before the event date. This gives us enough time to produce your card and ensure it arrives on time.

You will receive a reminder notification before payment is taken, so you have the opportunity to review your order or update your payment details if needed. Once payment has been taken, you will receive an order receipt by email confirming the transaction.

Please ensure your saved payment method is valid and up to date to avoid any disruption to your scheduled sends.

We accept a wide range of payment methods to make checkout as convenient as possible:

• Credit & Debit Cards: Visa, Mastercard, and American Express
• Apple Pay
• Google Pay
• PayPal

All payments are processed securely. We do not store your full card details on our servers.

Absolutely. Our website uses SSL (Secure Socket Layer) encryption to protect all data transmitted during checkout. All card payments are processed through a PCI DSS-compliant payment gateway, meaning your card details are handled to the highest industry security standards.

We never store your full card number on our systems. If you have any concerns about payment security, please don't hesitate to get in touch with our support team.

Once an order has been placed and payment has been taken, we are unable to change the payment method used for that transaction. However, if you need to update your payment details for a future scheduled item that has not yet been charged, you can do so by visiting Account Settings > Payment Methods.

If you're experiencing payment issues with an existing order, please contact our support team as soon as possible and we'll do our best to assist.

There are several reasons why a payment may be declined. Common causes include:

• Insufficient funds: Your account may not have enough balance to cover the transaction.
• Incorrect card details: Please check that your card number, expiry date, and CVV have been entered correctly.
• Card expired: Ensure your card is still within its validity period.
• Bank restriction: Your bank may have flagged the transaction as unusual. Try contacting your bank to authorise the payment.
• 3D Secure failure: Some banks require additional verification. Make sure you complete any authentication steps prompted by your bank.

If you've checked all of the above and are still experiencing issues, please contact our support team and we'll help you resolve it.

Once your payment has been successfully processed, you will:

• See an order confirmation screen immediately after checkout.
• Receive an order confirmation email to your registered email address within a few minutes.
• See the order listed under Order History in your account.

If you do not receive a confirmation email within 15 minutes, please check your spam folder. If it's still not there, contact our support team to verify your order status.

Refunds are returned to the original payment method used at the time of purchase. Once a refund has been approved by our team, please allow:

• 3–5 working days for credit/debit card refunds to appear on your statement.
• 1–3 working days for PayPal refunds.

You will receive an email confirmation once your refund has been processed. If you haven't received your refund within the above timeframe, please contact your bank or payment provider, and feel free to reach out to us if you need further assistance.

If you experience an error during payment, please try the following:

• Refresh the page and attempt the payment again.
• Clear your browser cache and cookies, then retry.
• Try a different browser or device.
• Use an alternative payment method if one is available to you.
• Check with your bank to ensure the payment hasn't been blocked.

If you continue to experience problems, please contact our support team at support@memory-card.co.uk with details of the error and the payment method you were attempting to use. We'll investigate and help resolve the issue as quickly as possible.