At The Warm Living, we want your purchasing experience to be as smooth and secure as possible. This Payment Policy outlines the accepted payment methods, currency, billing procedures, and finance options available on our website.
1. Accepted Payment Methods
We accept a wide range of secure payment methods to suit your preferences:
- 💳 Visa & Mastercard (Credit and Debit)
- 🍎 Apple Pay & Google Pay
- 💠 American Express
- 🛍️ Shop Pay (instant checkout)
- 🟦 Klarna (Buy Now, Pay Later)
- 💛 Maestro & Union Pay
- 🔒 Secure bank transfer (for orders over £3,000 – contact us)
2. Currency
All prices on our website are displayed in GBP (British Pounds Sterling) by default. We also support multi-currency display in INR, CAD, USD, AUD, EUR, and JPY for international visitors. Please note that all final transactions are processed in GBP. Any currency conversion fees are charged by your bank or payment provider.
3. Buy Now, Pay Later – Klarna
We're proud to offer Klarna as a flexible payment option for eligible customers. Klarna allows you to:
- Pay in 3 interest-free instalments
- Pay in 30 days (pay after you've received your order)
- Finance larger purchases over 6–36 months (subject to eligibility and credit check)
Klarna financing is provided by Klarna Bank AB and is subject to their terms and conditions. Eligibility is subject to status. Late fees may apply if payments are missed. Please use credit responsibly.
4. Secure Payments
All transactions on The Warm Living are processed through Shopify's secure, PCI-DSS compliant payment gateway. Your financial information is encrypted using SSL technology and is never stored on our servers. We take your security seriously and continuously monitor for fraudulent activity.
5. Order Confirmation
Upon successful payment, you will receive an automated order confirmation email to the address provided at checkout. If you do not receive this email within 30 minutes, please check your spam folder or contact us at support@thewarmliving.com.
6. Failed Payments
If your payment is declined, please verify that the card details entered are correct and that sufficient funds are available. You may also try an alternative payment method. If the issue persists, please contact your bank or reach out to our support team for assistance.
7. VAT & Tax
All prices displayed on our website are inclusive of UK VAT (20%) where applicable. A VAT receipt is included with all orders. Business customers seeking VAT invoice documentation should contact us after placing their order.
8. Trade & Bulk Order Payments
For trade accounts, hotel & gym supplies, or bulk orders, we offer flexible payment terms including credit accounts for approved businesses. Please visit our Trade Accounts or Bulk Orders pages, or contact us directly to discuss arrangements.
9. Contact
📞 +44 333 539 1003 | 📧 support@thewarmliving.com | Mon–Fri: 9am–6pm | Sat: 10am–4pm