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Silkesa

Payment Method

What you can pay with, how card details are handled, and what to do when a payment does not go through.

Cards we accept

Visa, Mastercard and American Express are accepted, as is PayPal. The checkout shows only the options that work for the country you have selected, so you will not be offered a method that cannot complete.

How card details are handled

Card numbers are entered on the payment provider's own secure form and are never sent to our servers, which is why we cannot look up or store them. We see only the last four digits and whether the payment succeeded.

PayPal payments

PayPal orders are completed on PayPal's site and confirmed back to us instantly. The order is created on our side in the usual way, and refunds go back to the same PayPal account.

Currency and charges

All prices are in US dollars. Your bank applies its own conversion and may add a foreign transaction fee; that line on your statement comes from the bank, not from us.

Declined payments and holds

When a card is refused we do not retry it silently. Nothing is captured when a payment fails, and a temporary authorisation clears itself within a few days.

How the checkout is protected

Encryption and the card form

Every page, including checkout, is encrypted in transit. That is deliberate: the company that specialises in handling cards is the company that handles yours.

What we can see

From our side an order shows a result, a total and a card ending, and nothing more. The full card number and security code are held by the payment provider and never enter our systems, so we will never ask you for them by email.

When money moves

Authorisation and capture

Placing an order asks your bank to authorise the amount. We capture the payment at dispatch; if an order is cancelled before then, the reserved amount simply drops off instead of being refunded.

Receipts and records

A confirmation email is sent as soon as the order is accepted, and it doubles as your receipt. Need a more formal invoice, or one addressed to a company? Ask us and we will issue it against the same order number.

Disputes and reversals

If a charge looks wrong

Please talk to us first if you do not recognise a charge. A pending hold from a failed attempt looks exactly like a payment and disappears by itself; genuine duplicate charges we refund the same day.

Chargebacks

If a dispute is raised with the bank, the payment provider will ask us for the order record and the delivery evidence. We send the order and delivery records when asked; if the claim succeeds, the amount returns to the card that paid for it.

Refunds to the original method

Refunds always return to the method that paid — the same card, or the same PayPal account. We cannot send a refund to a different card or pay it out in cash, because that is what prevents someone else claiming your money.

Questions about this page? Write to [email protected] and we will answer within one business day.