Transaction Policy
Effective Date: 16 July 2026
At Zoë & Bella, we are committed to providing a secure, transparent and reliable shopping experience. This Transaction Policy explains how payments are processed, how orders are authorised, and what you can expect when making a purchase through our website.
By placing an order on zoeandbella.com, you agree to the terms outlined in this Transaction Policy.
1. Company Information
Trading Name
Zoë & Bella
Company
ZS ECOM LTD
Registered Office
71–75 Shelton Street
Covent Garden
London
WC2H 9JQ
United Kingdom
Website
zoeandbella.com
Telephone
+44 7460 017179
Customer Support Hours
Monday to Friday
9:00 am – 6:00 pm (UK time)
2. Accepted Payment Methods
For your convenience, Zoë & Bella accepts a range of secure payment methods.
At checkout, customers may pay using supported major credit and debit cards, including:
- Visa
- Mastercard
- American Express
- Maestro (where available)
We also accept the following digital payment methods:
- Apple Pay
- Google Pay
- Shop Pay
The payment options available may vary depending on your device, browser or payment provider.
We reserve the right to add, remove or modify accepted payment methods without prior notice.
3. Currency
All prices displayed on our website are shown and charged in British Pounds Sterling (GBP £).
We currently process payments in GBP only.
If your bank account or card operates in a different currency, your bank or card issuer may apply exchange rates or additional conversion fees. These charges are determined solely by your financial institution and are outside the control of Zoë & Bella.
4. Payment Authorisation
When you place an order, your chosen payment method will be authorised to verify that sufficient funds are available.
In some cases, your payment provider may place a temporary authorisation hold before the transaction is completed.
Receiving an order confirmation does not necessarily mean that payment has been successfully authorised.
Orders will only proceed once payment has been successfully verified.
If payment cannot be authorised, your order may be declined or cancelled.
5. Secure Payment Processing
Protecting your payment information is extremely important to us.
All online transactions are processed through trusted and secure third-party payment providers using industry-standard encryption technology.
Zoë & Bella does not store, access or retain your complete credit or debit card details.
Payment information is processed securely in accordance with the security standards maintained by our authorised payment partners.
6. Pricing Accuracy
We take great care to ensure that all prices displayed on our website are accurate.
However, pricing errors may occasionally occur due to technical issues, system updates or human error.
If an obvious pricing error has affected your order, we reserve the right to cancel the order before dispatch and issue a full refund where payment has already been received.
Customers will always be notified if such a situation arises.
7. Order Verification
To protect both our customers and our business against fraudulent activity, we may occasionally carry out additional verification checks before processing an order.
This may include confirming customer details or requesting further information where reasonably necessary.
If we are unable to verify an order within a reasonable period, we reserve the right to cancel the transaction and refund any payment received.
These measures are taken solely to protect our customers and ensure secure transactions.
8. Declined or Failed Payments
A payment may fail for several reasons, including but not limited to:
- insufficient available funds;
- incorrect payment details;
- expired payment cards;
- security checks performed by your bank;
- temporary technical issues;
- restrictions imposed by your payment provider.
If your payment is declined, no order will be processed until successful payment has been received.
If you believe a payment has failed incorrectly, we recommend contacting your bank or payment provider before attempting the transaction again.
9. Order Confirmation
After successfully placing an order, you will receive an email confirming that we have received your purchase request.
This confirmation acknowledges receipt of your order but does not constitute acceptance of the transaction.
Acceptance of your order occurs only when your purchase has been successfully processed and prepared for dispatch.
If we are unable to accept your order for any reason, any payment already received will be refunded promptly using the original payment method.
10. Refund Processing
Where a refund has been approved in accordance with our Return & Refund Policy, it will be issued using the original payment method wherever possible.
Refunds are typically processed within 10 working days after your returned item has been received, inspected and approved.
Please note that while we process refunds promptly, the time it takes for the funds to appear in your account may vary depending on your bank or payment provider.
Zoë & Bella is not responsible for delays caused by third-party financial institutions.
11. Fraud Prevention
Protecting our customers and maintaining a secure shopping environment is a priority.
To help prevent fraudulent activity, we reserve the right to:
- decline suspicious transactions;
- request additional verification before processing an order;
- cancel orders that cannot be verified;
- refuse future transactions where fraudulent activity is reasonably suspected.
Where appropriate, any cancelled payment will be refunded using the original payment method.
12. Chargebacks
If you believe there is an issue with your order or payment, we encourage you to contact our Customer Support team before initiating a chargeback with your card issuer.
Many concerns can be resolved quickly through our customer service team.
Where a chargeback is submitted, we reserve the right to provide the relevant transaction records, delivery confirmation and supporting documentation to the payment provider as part of their investigation.
Fraudulent or abusive chargebacks may result in restrictions on future purchases where permitted by applicable law.
13. Promotional Offers
From time to time, Zoë & Bella may offer promotional discounts, limited-time offers or promotional codes.
Unless otherwise stated:
- promotional offers cannot be exchanged for cash;
- only one promotional code may be used per order;
- discount codes cannot be applied after an order has been placed;
- promotions are available for a limited period only;
- promotional offers may be withdrawn, amended or discontinued at any time.
Where misuse or abuse of promotional offers is identified, we reserve the right to cancel the affected order.
14. Customer Responsibilities
When making a purchase through our website, customers are responsible for ensuring that:
- all billing information is accurate and complete;
- payment details are valid and authorised for use;
- sufficient funds are available at the time of purchase;
- contact information, including email address and delivery address, is correct.
Zoë & Bella cannot be held responsible for delays or issues arising from inaccurate information supplied during checkout.
15. Payment Security
We are committed to maintaining a safe and secure online shopping experience.
All payment transactions are processed using encrypted technology through trusted payment service providers.
Although we take reasonable measures to protect customer information, no internet transmission or electronic storage method can be guaranteed to be completely secure.
Customers are encouraged to keep their payment details confidential and notify their financial institution immediately if they suspect unauthorised use of their payment method.
16. Limitation of Liability
To the fullest extent permitted by applicable law, Zoë & Bella shall not be liable for losses resulting from:
- payment failures caused by third-party financial institutions;
- delays caused by payment providers;
- temporary interruptions affecting payment services;
- unauthorised transactions resulting from customer negligence;
- exchange rate fluctuations or charges imposed by banks.
Nothing contained within this Transaction Policy limits any statutory rights available to consumers under the laws of England and Wales.
17. Changes to this Transaction Policy
We may update this Transaction Policy from time to time to reflect changes in payment methods, legal requirements or business operations.
The most recent version will always be available on our website together with the updated revision date.
By continuing to use our website after changes have been published, you agree to the revised Transaction Policy.
18. Governing Law
This Transaction Policy shall be governed by and interpreted in accordance with the laws of England and Wales.
Any dispute arising in connection with payments, transactions or purchases made through Zoë & Bella shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless applicable consumer protection legislation provides otherwise.
19. Contact Information
If you have any questions regarding payments or transactions, our Customer Support team will be pleased to assist.
Trading Name
Zoë & Bella
Company
ZS ECOM LTD
Registered Office
71–75 Shelton Street
Covent Garden
London
WC2H 9JQ
United Kingdom
Website
zoeandbella.com
Telephone
+44 7460 017179
Customer Support Hours
Monday to Friday
9:00 am – 6:00 pm (UK time)
We aim to respond to all enquiries within one to two working days.
Thank you for choosing Zoë & Bella.
We appreciate your trust in our boutique and are committed to providing a secure, transparent and enjoyable shopping experience every time you shop with us.
Last Updated: 16 July 2026