Payment Policy

At Ilay Home, we want your checkout experience to be simple, secure, and reliable. This Payment Policy explains how we process payments and what you can expect when making a purchase with us.

Accepted Payment Methods
We accept payments securely through Stripe, a trusted third-party payment processor. Depending on your card and location, this includes major credit and debit cards such as Visa, Mastercard, and American Express, as well as other payment methods supported by Stripe (such as Apple Pay and Google Pay, where available).

Payment Security
All payments are processed through Stripe’s secure, encrypted payment gateway. Ilay Home does not store or have access to your full card details at any time — this information is handled entirely by Stripe in compliance with PCI-DSS (Payment Card Industry Data Security Standard) requirements.

When You’re Charged
Your payment method is charged in full at the time your order is placed, once it has been successfully authorized by Stripe.

Currency
All transactions are processed in GBP (£). If your card is issued in a different currency, your bank or card provider may apply a currency conversion fee — this is determined by your bank, not by Ilay Home.

Payment Declines
If your payment is declined, please check that your card details, billing address, and available balance are correct, or try an alternative payment method. If the issue persists, please contact your card issuer directly, or reach out to us at support@ilayhome.co.uk for assistance.

Order Confirmation
Once your payment has been successfully processed, you will receive an order confirmation email. If you do not receive this within a reasonable time, please check your spam folder or contact us.

Fraud Prevention
We may use Stripe’s fraud detection tools to screen orders for suspicious activity. In rare cases, this may result in an order being delayed, held for review, or cancelled. We will notify you if this affects your order.

Refunds
Any refunds are issued back to the original payment method via Stripe. Please refer to our Return and Refund Policy for details on eligibility and timeframes.

CONTACT INFORMATION:
Ilay Home
Business Address: 1a Lansdowne Road, London N17 0LL, United Kingdom
Phone: +44 7862 617019
Email: support@ilayhome.co.uk
Business Hours: 9:00 AM to 5:00 PM, Monday through Friday (GMT/UTC+0)
Order Cut-off Time: 5:00 PM (GMT/UTC+0)