Payment & Billing

Billing Terms & Conditions

Last updated: July 2026

These terms explain how payment works when you order from Lawrence Jacob: how and when you are charged, in what currency, and what happens if something does not go to plan. They sit alongside our Terms of Service and Returns Policy.

Placing an order

When you complete checkout, you are authorising payment for the items in your basket, along with any shipping and tax shown at that point. By placing the order, you confirm that you are the authorised holder of the payment method used, or that you have the holder's permission to use it.

When you're charged

Payment is taken at the moment you place your order, through our payment provider. An order is an offer to buy; the contract between us is formed once we accept and dispatch it. Should we ever be unable to fulfil an order you have already paid for, we will refund you in full.

Currency & pricing

Prices and charges are shown, and taken, in the currency displayed at checkout. If you pay with a card held in another currency, your bank sets the exchange rate and may add its own conversion or foreign-transaction fee. Those charges are set by your bank and fall outside our control.

Payment methods

We accept the payment methods displayed at checkout. Your card details are handled securely by our payment provider; we never see or store your full card number on our own systems.

Pricing errors

We take care to price everything correctly, but occasionally an error slips through. If we find that an item was mispriced after you have ordered, we will contact you before taking payment or dispatching: you may confirm the order at the correct price, or cancel it for a full refund. We reserve the right to cancel any order placed at a price that is clearly incorrect.

Tax

Any tax due is calculated and shown at checkout, before you pay, based on your delivery address.

Failed or declined payments

If a payment is declined or cannot be completed, your order will not be processed. You are welcome to try again or to check with your bank; and if you would like a hand, write to us and we will help where we can.

Refunds

Refunds are returned to your original payment method and are governed by our Returns Policy. Once we have processed a refund, the time it takes to appear on your statement depends on your bank or card provider.

Chargebacks

If something is not right with your order, please contact us first: we can almost always resolve it more quickly than a formal bank dispute. Raising a chargeback without contacting us, on an order we have fulfilled correctly, may be treated as a breach of these terms. We reserve the right to contest disputes we believe are unwarranted, and to provide our records to the payment provider.