Payment Terms

Last Updated: September 4, 2026

At Pungakan, we are committed to providing secure, reliable, and convenient payment options for our customers. This Payment Policy explains accepted payment methods, payment processing procedures, security practices, currency information, taxes, order verification, and other important payment-related details.

1. Accepted Payment Methods

We accept the payment methods available during checkout, which may include:

  • Credit and Debit Cards: Visa, Mastercard, American Express, Discover, Maestro, and other supported card networks.
  • Digital Wallets and Express Checkout: Apple Pay, Google Pay, Shop Pay, and other available express payment options.

Available payment methods may vary depending on your location, device, and payment provider availability. All available payment options will be displayed during checkout before payment confirmation.

2. Secure Payment Processing

All payments made through Pungakan are processed using secure payment systems provided by Shopify and trusted third-party payment providers.

  • Secure Checkout: Our website uses encryption technology to help protect information transmitted during the checkout process.
  • Payment Security Standards: Our payment providers follow applicable industry security standards designed to protect payment information.
  • Payment Information Protection: Pungakan does not store customers' complete credit card numbers or full payment credentials on our website.

Payment information is securely handled by authorized payment processors during the transaction process.

3. Currency and Pricing

  • Transaction Currency: Unless otherwise displayed during checkout, payments are processed in United States Dollars (USD).
  • Currency Conversion: If your payment method uses a different currency, your bank or card issuer may apply applicable exchange rates or related fees.
  • Additional Bank Fees: Pungakan is not responsible for foreign transaction fees, exchange rate differences, or charges applied by your financial institution.

The final order amount displayed during checkout represents the amount charged by Pungakan before any separate fees applied by your bank or payment provider.

4. Taxes and Additional Charges

  • Applicable taxes may be calculated based on your shipping address and local regulations.
  • Any required taxes or charges will be displayed during checkout before payment is completed.
  • Pungakan does not add hidden payment fees or undisclosed charges to customer orders.

5. Payment Verification and Order Review

To help protect customers and prevent unauthorized transactions, Pungakan may review payment and order information before order fulfillment.

In some cases, additional verification may be required to confirm transaction security or billing information accuracy.

Orders may be delayed or canceled if payment verification cannot be completed successfully.

6. Payment Authorization and Confirmation

  • Payment Authorization: Payment authorization or payment confirmation occurs when your order is successfully submitted through checkout, depending on the payment method used.
  • Order Confirmation: Customers will receive an order confirmation email after successful payment processing.
  • Payment Issues: If your payment is declined, please confirm your billing details, verify available funds, or contact your card issuer or payment provider for assistance.

7. Refunds, Returns, and Chargebacks

Approved refunds for eligible returns, cancellations, or other approved cases will be issued to the original payment method used for the purchase.

Refund processing times may vary depending on your bank, card issuer, or payment provider.

Customers should contact Pungakan first regarding payment disputes, order concerns, refunds, or transaction issues so we can provide assistance and help resolve the matter.

For additional information regarding refunds and returns, please review our Refund Policy.

8. Contact Information

If you have questions regarding payments, transactions, or billing information, please contact us:

Store Name
Pungakan

Email
hello@pungakan.com

Phone
+44 7951 935801

Business Address
Pungakan
11 Mandeville Close
London SE3 7AQ
United Kingdom

Business Hours
Monday – Friday
9:00 AM – 6:00 PM GMT

Customer Support Response Time
We aim to respond to customer inquiries within 24–48 business hours.