Payment Policy

1. Standard Range Payments

Standard pieces (typically under €1,500 equivalent) are available for direct purchase through our online checkout. Payment is completed at checkout using secure card payment methods.

Once payment has been successfully authorised and confirmed, orders are processed and dispatched within 3–5 working days.

2. Premium Range Payments

Premium pieces (€1,500 equivalent and above) begin with an inquiry process rather than instant checkout. Our team confirms pricing, availability, and delivery details before issuing a secure payment request.

Payment may be completed by card or bank transfer, including SEPA Credit Transfer (SCT), SEPA Instant Credit Transfer (SCT Inst), or Faster Payments (UK), depending on the customer's location and available payment methods.

Orders are dispatched within 3–5 working days after cleared payment.

3. Currency & Taxes

Prices on LUME & HOME LIMITED are displayed in EUR, USD, or GBP depending on the customer's selected region and browsing preferences.

Final payment is processed in the currency displayed at checkout or specified in the payment request. Currency availability may depend on the selected payment method and customer location.

Import duties, customs charges, and local taxes for international shipments are the responsibility of the customer unless confirmed otherwise in writing at the time of purchase.

4. Payment Security

All payments are processed through secure, encrypted connections via authorised payment providers and acquiring partners.

Card payments are handled in accordance with PCI DSS security standards, and Strong Customer Authentication (SCA) is applied where required under applicable regulations.

We do not store full card details or online banking credentials.

5. Failed or Declined Payments

If a payment is declined, incomplete, or not successfully authorised, the order will not be confirmed and no funds will be captured.

Customers may retry payment or contact our support team for assistance.

6. Contact for Payment Queries

For any payment-related questions, please contact payments@lumeandhome.com.