1. Payment Authorization
By submitting payment, you authorize Reinier Verplancke to:
- Charge your credit/debit card for the full order amount
- Place temporary pre-authorization holds (up to 7 days)
- Process refunds to original payment method
Authorization remains valid until full settlement of all charges.
2. Accepted Payment Methods
Exclusively Credit/Debit Cards:
- Visa | Mastercard | American Express | Maestro (UK-issued)
- Virtual/prepaid cards accepted with address verification
Not Accepted: PayPal, bank transfers, cash, checks, cryptocurrency, or Buy Now Pay Later services.
3. Currency & Exchange Rates
- All transactions processed in GBP (£)
- Non-UK cards subject to:
• Dynamic Currency Conversion (DCC) fees
• Exchange rates set by card issuer
• Cross-border transaction fees (typically 1-3%)
- We do not control or reimburse bank-imposed fees.
4. Billing Verification Protocol
To prevent fraud, we enforce:
- AVS (Address Verification System): UK postcode must match card issuer records
- CVV/CVC: 3-digit security code mandatory
- 3D Secure 2.0: Authentication via card issuer's app
- Suspended transactions requiring ID verification may occur
5. Invoice Specifications
All invoices include:
- Unique invoice number
- Business VAT number (if applicable)
- Itemized product costs
- Shipping fees (marked £0.00 for UK orders)
- Transaction date/time in GMT
- Billing descriptor: "REINIER VERPLANCKE * [OrderID]"
6. Failed Payment Resolution
Immediate Actions:
- 3 automatic re-attempts within 24 hours
- Email notification after first decline
Customer Responsibilities:
- Resolve within 72 hours or order cancels automatically
- Contact bank if suspected false decline
- Use alternative card if necessary
7. Refund Processing Terms
- Issued exclusively to original payment method
- Processing time: 7 business days after return approval
- Bank clearance: Additional 3-5 business days
- Declined refunds: We'll contact you for alternative card
- Chargebacks will suspend account privileges
8. Dispute Resolution Procedure
Step 1: Email billing@reinierverplancke.shop within 30 days with:
- Transaction ID
- Bank statement excerpt
- Error description
Step 2: We respond within 48 hours with investigation timeline
Step 3: Resolution within 14 business days
Final Recourse: UK Financial Ombudsman Service
9. Data Retention Policy
We retain billing data:
- Transaction records: 6 years (UK tax compliance)
- Card tokens: 18 months for refund processing
- Fraud reports: 7 years
- Encrypted card data stored with PCI-DSS Level 1 processor
10. Regulatory Compliance
We adhere to:
- UK Consumer Rights Act 2015
- Payment Services Regulations 2017
- Financial Conduct Authority guidelines
- General Data Protection Regulation (GDPR)
- PCI-DSS v4.0 security standards
11. Liability Limitations
We are not liable for:
- Bank-imposed currency conversion fees
- Pre-authorization holds exceeding 7 days
- Technical errors in third-party payment gateways
- Fraudulent charges verified by 3D Secure
Liability cap: 125% of transaction value
12. Policy Amendments
- Changes effective 30 days after website posting
- Material modifications notified via email
- Continued use constitutes acceptance
Archived versions available upon request
13. Contact Information
Billing Inquiries: billing@reinierverplancke.shop
Dispute Resolution: disputes@reinierverplancke.shop
Phone Support: +44 785 5632-8945 (GMT 9AM-5PM)
Legal Correspondence:
Reinier Verplancke Billing Department
1726 Dormont Ln, Orlando, FL 32804 USA
