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<h1>三、Payment Policy <span class="cn">（支付政策）</span></h1>
<p class="meta"><strong>Last updated: September 23, 2026</strong></p>
<p>marksandspencerw accepts secure online payments for orders placed through our website. The payment methods available for a specific order are displayed at checkout. Do not claim or display a payment method unless it is enabled in the store’s checkout.</p>
<h2>Currency and charges</h2>
<p>Store prices are presented in United States dollars unless checkout clearly displays another currency. Product price, discounts, taxes, shipping charges, and the final order total are shown before payment is submitted.</p>
<h2>Authorization and verification</h2>
<p>Payment must be successfully authorized before fulfillment. A transaction may be reviewed, declined, or canceled if it is incomplete, unauthorized, inconsistent with billing information, or flagged by fraud-prevention systems. Customers should contact their card issuer or payment provider regarding a declined payment or authorization hold.</p>
<h2>Payment security</h2>
<p>Payments are processed through Shopify-supported checkout and enabled payment providers. marksandspencerw does not store complete payment-card numbers on its own systems.</p>
<h2>Refunds</h2>
<p>Approved refunds are returned to the original payment method whenever possible. The Returns, Refunds and Cancellation Policy explains eligibility and timing.</p>
<h2>Contact</h2>
<p>Email: <a href="mailto:support@marksandspencerw.shop">support@marksandspencerw.shop</a><br>
Phone: <a href="tel:+13109864296">+1 3109864296</a></p>
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