Payment Policy

This Payment Policy explains how payments are processed when you place an order with Tom Cottons. By completing a purchase on our website, you agree to the terms set out below. All transactions are processed in Canadian Dollars (CAD).

Accepted Payment Methods

We accept the following payment methods:

  • Visa
  • Mastercard
  • American Express
  • PayPal
  • Apple Pay
  • Google Pay

The payment options available to you at checkout may vary depending on your device, browser, and location.

Currency

All prices displayed on our website are in Canadian Dollars (CAD) unless stated otherwise. If your card or payment account is denominated in another currency, the final amount charged will be converted by your bank or payment provider at their applicable exchange rate, and additional foreign transaction fees may apply. These fees are set by your provider and are outside our control.

When You Are Charged

  • Payment is authorized and captured at the time your order is placed.
  • If a payment authorization fails or is declined, your order will not be processed. Please check your payment details or contact your bank, then try again.
  • You may see a temporary authorization hold on your account before the final charge settles. This is standard banking practice and is not a duplicate charge.

Payment Security

  • All payments are processed through secure, PCI-DSS compliant payment providers, including Shopify Payments and PayPal.
  • Card data is transmitted using SSL/TLS encryption.
  • We do not store your full card number, expiry date, or security code (CVV) on our servers. Card processing is handled entirely by our payment providers.

Billing Information

You agree to provide current, complete, and accurate billing and account information for all purchases. You confirm that you are authorized to use the payment method presented at checkout. Orders with billing information that cannot be verified may be delayed or cancelled.

Taxes and Duties

Applicable sales taxes (GST/HST/PST, as relevant to your province) are calculated and displayed at checkout before you confirm your order. As we currently ship within Canada only, no import duties apply.

Order Verification and Fraud Prevention

To protect our customers, we may carry out fraud and security checks before an order is dispatched. We may contact you to confirm order or payment details. If we are unable to verify a transaction, or if an order is flagged as potentially fraudulent, we reserve the right to cancel it and issue a full refund to the original payment method.

Pricing Errors

In the event that a product is listed at an incorrect price due to a typographical or system error, we reserve the right to cancel the order and refund any amount charged, whether or not the order has been confirmed.

Refunds

Approved refunds are issued to the original payment method used for the purchase. Please allow up to 10 business days for the refund to appear in your account, depending on your bank or payment provider. For full details, please see our Return & Refund Policy.

Business & Contact Information

Store Name: Tom Cottons

Company Name: ECOMMERCE TECHNOLOGIES LTD
Company Number: 10844998

Registered Address:
Cambridge House, 16 High Street
Saffron Walden, Essex, England, CB10 1AX
United Kingdom

Email: support@tomcottons.com

Customer Service:
Monday - Friday: 9:00 AM – 6:00 PM (Eastern Time)

We will respond to your email within 24 hours (Mon–Fri). Weekend messages will be answered on Monday.