Payment Policy

Paying at Lofifo

This page covers what you can pay with, when the money leaves your account, how your card details stay protected, and what to do if a charge looks unfamiliar.

Anything unclear, email info@lofifo.com and we will explain it properly.

Accepted Payment Methods

These are the options at our checkout, and nothing beyond them:

Credit and debit cards, including Visa, Mastercard, American Express, UnionPay and JCB
Apple Pay
Google Pay
Shop Pay

Everything runs through Shopify's encrypted checkout. We do not take cheques, bank transfers, cash on delivery or cryptocurrency.

Currency and Pricing

Every price is in pounds sterling and it is the price you pay. Nothing gets added at the checkout stage and nothing is owed at the door.

Cards issued outside the United Kingdom may pick up a conversion or foreign transaction fee. That comes from your bank, not from us.

Prices can change at any time, but the figure shown when you check out is the figure charged.

When You Are Charged

Payment is authorised and taken the moment you place the order, not at dispatch. A confirmation email with an itemised receipt follows within minutes. Hold onto it, as the order number is what you will need for a return.

Nothing after 24 hours? Check spam, then email us and we will locate the order.

If an item sells out between your order and our picking it, that item is refunded in full within 5 working days.

How the Charge Appears

Charges show as LOFIFO on your statement.

If something looks unfamiliar, email us before raising it with your bank. We can usually match a charge to an order the same day. A bank dispute takes weeks and freezes the funds while it runs.

Card Security

Checkout runs over an encrypted HTTPS connection with a valid SSL certificate. Card details pass straight to our PCI DSS Level 1 compliant payment providers. They never reach our servers and we never see your full card number.

Your bank may ask you to approve the payment in its app or with a passcode. That is Strong Customer Authentication, a UK legal requirement, and it exists to stop anyone else using your card.

If you open an account, keeping the password safe is your responsibility.

Declined Payments

Nothing is taken and no order is created. The usual causes:

A mistyped card number, expiry date or security code
An expired card
A billing address that does not match your bank's records
An authentication step left incomplete
Your bank's fraud filters

A pending line may still appear on your account. That is an authorisation hold rather than a charge, and your bank releases it automatically, usually within 3 to 5 working days.

Check the details and try again, or use another method. Still stuck, email us.

Fraud Screening

Orders are screened automatically. We may occasionally ask you to confirm identity or billing details before dispatch, and we may cancel an order we believe to be fraudulent. Where we do, the full amount returns to the original payment method. This protects you as much as us.

Cancelling and Refunds

Cancel free of charge any time before dispatch by emailing info@lofifo.com with your order number and CANCEL ORDER in the subject line.

Refunds are processed within 5 working days of your return arriving and being checked, then your bank takes another 3 to 10 working days to display it. Refunds return along the original payment path. Detail is in our Return and Refund Policy.

Before Raising a Chargeback

Come to us first. We reply within 24 hours and would rather refund you directly than leave you waiting up to 90 days on a bank process. Nearly everything resolves in a single email.

Protections You Keep Regardless

Nothing here affects your legal rights. Credit card purchases over 100 pounds may carry additional protection under section 75 of the Consumer Credit Act 1974. Debit card payments may fall under your bank's chargeback scheme.

Pricing Mistakes

If a product goes live at an obviously wrong price through a system fault or human error, we may cancel and refund in full, even after confirmation. We will always contact you first.

Governing Law

This Payment Policy is governed by the law of England and Wales and by applicable United Kingdom consumer protection legislation.

Summary

Accepted: Visa, Mastercard, American Express, UnionPay, JCB, Apple Pay, Google Pay, Shop Pay
Currency: Pounds sterling, nothing added at checkout
Charged: When the order is placed
Statement descriptor: LOFIFO
Refund route: Original payment method only
Refund timing: 5 working days to process, then 3 to 10 working days to your bank

Contact

Store Name: Lofifo
Company Name: RHEAKALI LLC
Entity Number: 0008085412
Warehouse Address: Sylvester Path, Hackney, London, E8, United Kingdom
Company Address: 1209 Mountain Road Pl NE, Ste R, Albuquerque, New Mexico, 87110, United States
Email: info@lofifo.com
Phone: +44 7441 429628