Payments Information

There are various ways you can make a payment to your account designed to suit you.

Elegant Men’s Fashion accepts the following:

1) Credit and Debit Cards: Visa, MasterCard, JCB, American Express, and Discover Network. The card must be registered to the billing address.

We are unable to accept cards that are due to expire within the next 5 days. Card details are checked and verified by a third party, and goods are dispatched once authorization has been obtained.

2) PayPal®:  PayPal is a secure payment method you can use to make a payment online. At the checkout page, click on the “Pay with PayPal” option. This will take you to the PayPal Checkout page.

• Pay directly with your Credit or Debit card on the PayPal platform.
• Or, sign in with your PayPal email address and password and select the ‘Pay Now’ button to confirm your payment.

You will then be navigated to the NEXT payment screen, where a payment confirmation banner will show at the top of the page.

PayPal payments credit the account within 2 working days or sooner, and you will receive an email to confirm the payment.

If, for any reason, payment has been declined, a direct message will be displayed on the PayPal payment page to indicate this.

If there are any queries, you may need to contact PayPal for further assistance.

3) Google Pay

4) Apple Pay

Our primary payment providers are Stripe and PayPal.

They are the most secured and leading payment providers in the current industry.

Security:

Both the payment providers have been audited by a PCI-certified auditor and are certified to PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry.

To accomplish this, they use the best-in-class security tools and practices to maintain a high level of security.

HTTPS and HSTS for Secure Connections:

Both payment providers force HTTPS for all services using TLS (SSL), including our public website.

Elegant Men’s Fashion regularly audits the details of our implementation, including the certificates we serve, the certificate authorities we use, and the ciphers we support.

We use HSTS to ensure that browsers interact with both the payment providers only over HTTPS.

European regulations are changing to make online credit card payments more secure for you.

For every order placed from January 1, 2021, you may be asked to authenticate your payment through a 3D secure process.

This will be branded according to the type of card you're paying with, for example, Visa Secure, Mastercard Identity Check, or American Express SafeKey.

What do I need to do?

If you haven't already, you will need to register your payment card for 3D Secure. Most banks usually provide a way to enroll your card online, so check your bank's website for more information.

If you have previously registered for 3D Secure or have used this feature before, you will not need to register again.

However, your bank may have defined an entirely new process to improve your payment experience. Some banks have designed a new smartphone application specifically for this purpose.

Please get in touch with your bank for more information.

To ensure safety for your next order, we recommend that you activate 3D Secure before you place your next online order.

We got bank-level security for the checkout process, so you can relax when you make the payments.

But, even though we make sure the payment options are secure on our end, you also need to be careful when making the payments. There are lots of bad actors on standby to steal card information.

To help determine if your connection is secure, look at the status bar of your browser window.

You can see an unbroken key or a closed lock (depending on your browser).

Secure Sockets Layer (SSL) should be active when you make the payments, which helps to protect the transmission of information through the website.

It would be best if you also verified that the URL for the page you are on includes "HTTPS" with a padlock at the beginning.

Our main website domain should look like this;

https://emensfashion.co.uk 

Most browsers offer additional security alerts as well. So, it's better to choose secured and popular browsers.

Your payment might not be accepted if the credit/debit card you are using to make the payment is not registered to the same address as the billing address that is on your account.

This is a measure we take to protect both our customers and ourselves from fraud.

If your card is registered to the same address, please ensure that you have entered the correct security code and expiry date. If this still doesn’t work, your card issuer may have declined your payment.

Please get in touch with them directly as we do not have any information about why payments are declined.

If you have any further issues with making payments, you can contact us.

We do not store your card information on our website and servers.

We leave all the hard work to the hunks (Stripe and PayPal) in the payment industries for this process.

All card numbers are encrypted at rest with AES-256.

Decryption keys are stored on separate machines. None of both payment providers’ internal servers and daemons can obtain plaintext card numbers. However, they can request that cards are sent to a service provider on a static allow list.

Both payment providers; infrastructure for storing, decrypting, and transmitting card numbers runs in a different hosting environment and doesn’t share any credentials with both providers’ primary services (API, website, etc.).