Secure Payment Methods

Last updated: January 2026

At Luximous, we prioritize secure, convenient payment processing for customers worldwide. We've partnered with trusted payment providers to ensure your financial information is protected with industry-leading encryption and fraud prevention technology.

Accepted Payment Methods

We accept the following payment options for all orders:

💳 Credit & Debit Cards

  • Visa – accepted worldwide
  • Mastercard – accepted worldwide
  • American Express – no available
  • Discover – where available

All card payments are processed through secure, PCI-DSS compliant payment gateways with 3D Secure authentication for added protection.

📱 Digital Wallets

  • Apple Pay – fast checkout for iOS and Safari users
  • Google Pay – quick payment for Android and Chrome users

Digital wallet payments offer enhanced security with tokenization and biometric authentication (Face ID, Touch ID, fingerprint).

🏦 Bank Transfers & Alternative Methods

  • Bank transfer – direct transfer via Wise (formerly TransferWise) for international customers
  • Payment links – custom invoices sent via email for made-to-measure orders

Bank transfers are ideal for large custom orders and offer lower transaction fees for international purchases.

Payment Security & Protection

Your payment security is our priority. Here's how we protect your financial information:

  • SSL encryption: All payment data is transmitted using 256-bit SSL encryption
  • PCI-DSS compliance: We meet the highest payment card industry security standards
  • No stored card data: We never store your complete card details on our servers
  • 3D Secure authentication: Additional verification layer for card transactions
  • Fraud monitoring: Real-time transaction screening to prevent unauthorized charges
  • Buyer protection: Dispute resolution support through payment providers

How Payment Processing Works

For Standard Orders

  1. Add items to cart and proceed to checkout
  2. Select your payment method from available options
  3. Enter payment details securely on encrypted checkout page
  4. Complete authentication (3D Secure, biometric, or PIN verification)
  5. Receive instant confirmation via email with order details
  6. Payment is captured when your order ships

For Custom & Made-to-Measure Orders

  1. Submit your measurements and customization preferences
  2. Receive a custom quote via email within 24-48 hours
  3. Review and approve the design, measurements, and pricing
  4. Pay via payment link or invoice sent to your email
  5. Production begins once payment is confirmed
  6. Track your order through our production and shipping process

Payment Currency & Conversion

All prices on Luximous are displayed in USD (United States Dollars). If you're paying with a card or account in a different currency:

  • Automatic conversion: Your bank or card issuer will convert the amount at their current exchange rate
  • Conversion fees: Your financial institution may charge a foreign transaction fee (typically 1-3%)
  • Exchange rate fluctuations: The final amount charged may vary slightly from the displayed price due to rate changes
  • Multi-currency cards: Consider using a card with no foreign transaction fees for international purchases

Payment Authorization & Holds

When you place an order, here's what happens with your payment:

  • Authorization hold: We place a temporary hold on your card for the order amount
  • Hold duration: Typically 5-7 business days for standard orders
  • Charge timing: Your card is charged when your order ships
  • Custom orders: Payment is captured immediately upon approval to begin production
  • Cancelled orders: Authorization holds are released within 5-10 business days (bank-dependent)

Failed Payments & Declined Transactions

If your payment is declined, common reasons include:

  • Insufficient funds in your account
  • Incorrect card details (number, expiry date, CVV, billing address)
  • Card restrictions (international purchases blocked, daily limits exceeded)
  • 3D Secure authentication failed or timed out
  • Bank fraud prevention flagged the transaction as suspicious

What to do: Contact your bank or card issuer to authorize the transaction, then retry checkout. If issues persist, try an alternative payment method or contact our support team.

Payment for International Customers

We welcome customers from 190+ countries. For international payments:

  • All major cards accepted: Visa and Mastercard work globally
  • Bank transfer option: Use Wise for lower fees on large orders
  • Local payment methods: Available in select regions through our payment gateway
  • Customs and duties: Not included in checkout; you're responsible for import fees
  • VAT/GST: Applied automatically for applicable regions at checkout

appear automatically at checkout if you're eligible based on order value and location.

Invoices & Payment Receipts

After completing your payment:

  • Instant email confirmation with order summary and payment receipt
  • Detailed invoice available in your account order history
  • VAT/tax invoices provided for business customers upon request
  • Payment proof for customs clearance included with international shipments

Refunds & Payment Reversals

If you're eligible for a refund per our return policy:

  • Refund method: Issued to your original payment method
  • Processing time: 5-7 business days after return approval
  • Bank posting: Additional 3-5 business days for funds to appear in your account
  • Digital wallets: Refunds may appear faster (1-3 business days)
  • Bank transfers: Refunds require your bank account details; contact us to arrange

Payment Support & Assistance

Need help with payment issues? Our team is here to assist:

  • Email support: support@luximous.com
  • Response time: Within 24 hours (business days)
  • Payment questions: We can help troubleshoot declined transactions, update payment methods, or arrange alternative payment options
  • Custom order invoices: Request a payment link for made-to-measure pieces

Frequently Asked Questions

Is it safe to enter my card details on your website?

Yes, absolutely. We use industry-standard SSL encryption and PCI-DSS compliant payment processing. Your card details are transmitted securely and never stored on our servers. All transactions are protected by 3D Secure authentication and fraud monitoring.

Why was my payment declined?

Common reasons include insufficient funds, incorrect card details, international transaction blocks, or fraud prevention by your bank. Contact your card issuer to authorize the transaction, verify your details are correct, and try again. If problems continue, try a different payment method or contact us for assistance.

When will my card be charged?

For standard ready-to-ship items, we authorize your card at checkout but charge it when your order ships. For custom and made-to-measure orders, payment is captured immediately upon approval to begin production. You'll receive email confirmation when the charge is processed.

Can I pay with multiple payment methods?

Currently, our checkout system accepts one payment method per order. If you need to split payment across multiple cards or methods, please contact our support team to arrange a custom invoice.

How do I pay for a custom order?

After submitting your measurements and customization preferences, we'll send you a detailed quote via email. Once you approve the design and pricing, we'll send a secure payment link or invoice. Payment must be completed before production begins.

What if I'm charged twice by mistake?

Duplicate charges are rare but can occur due to technical issues. Contact us immediately with your order number and payment confirmation. We'll investigate and process a refund for any duplicate charge within 24-48 hours.

We're committed to providing secure, convenient payment options for customers worldwide. All transactions are protected by industry-leading security measures and buyer protection policies.