Payment Policy

Title
Payment Policy

Effective date: 01.05.2026

1. GENERAL PAYMENT RULES

1.1. When to pay?

Payment for an order must be made during checkout in the Store, before it is dispatched.

1.2. Available payment methods

The Hansa Wear Store accepts the following forms of payment:

1. Shopify Payments:

  • Payment cards (Visa, Mastercard, Maestro, American Express)
  • BLIK
  • Bank transfers
  • Digital wallets (Apple Pay, Google Pay, Shop Pay)
  • Klarna (deferred payment – Buy now, pay later)

2. PayPal

All payments are processed directly in our checkout – without redirects to external websites (except for PayPal).

Details of each payment method are provided below.

1.3. Payment currency

The Store supports multi-currency payments. You may pay in the following currencies:

  • PLN (Polish zloty)
  • EUR (Euro)
  • USD (US Dollar)
  • GBP (British Pound)
  • Other currencies supported by Shopify (depending on location)

Currency selection:

  • The currency is automatically selected based on your location
  • You may change it manually using the currency selector

Currency conversion:

  • Conversions are performed by the Shopify system using current exchange rates
  • The rate applicable at the time of placing the order is the binding rate
  • The final payment amount is shown before order finalisation


2. SHOPIFY PAYMENTS

2.1. What is Shopify Payments?

Shopify Payments is an integrated payment gateway created by Shopify in partnership with Stripe. Since February 2025, Shopify Payments has been officially available in Poland.

With Shopify Payments, you can make payments directly in our store, without redirects to external websites.

2.2. Available payment methods via Shopify Payments

A) Payment cards
- Visa
- Mastercard
- Maestro
- American Express

Enter your card details directly at checkout – no redirects.

B) Digital wallets
- Apple Pay (Apple devices: iPhone, iPad, Mac)
- Google Pay (Android devices and Chrome browser)
- Shop Pay (for returning Shopify customers – express payment with saved details)

C) BLIK
BLIK payment is available directly at checkout – enter the 6-digit code from your banking app without being redirected to an external website.

D) Bank transfers
Select your bank directly at checkout.

E) Klarna – deferred payment (BNPL)
Buy now, pay later – Klarna allows:
- Deferred payment (pay in 30 days)
- Instalment payment (spread over 3-4 instalments)

Klarna is available for larger order amounts (usually from a specified cart value).

The decision to grant deferred payment is made by Klarna based on a quick verification (usually within seconds).

2.3. How does Shopify Payments work?

  1. Add products to your cart
  2. Proceed to checkout
  3. Enter your delivery details
  4. Select your payment method (card, BLIK, Klarna, digital wallet, bank transfer)
  5. Everything happens in our store – no redirects
  6. Confirm your payment (including 3D Secure verification for cards, if required)
  7. Receive order confirmation by e-mail

2.4. Payment security

Shopify Payments provides the highest level of security:

  • SSL/TLS encryption – all data is encrypted
  • PCI DSS Level 1 – the highest security standard in the payment industry
  • 3D Secure (Verified by Visa, Mastercard SecureCode) – additional verification via SMS code or banking app
  • Fraud protection – every transaction is automatically analysed
  • We do not store your card details – these are handled by Shopify/Stripe

2.5. When is payment charged?

Payment is charged immediately upon placing the order (except for Klarna – deferred payment in accordance with the selected plan).

2.6. Payment infrastructure

Shopify Payments is powered by Stripe – one of the safest and most advanced payment processors in the world, serving companies including Amazon, Google, and Spotify.

2.7. Refunds (Shopify Payments)

In the event of a return or order cancellation:

  • Refund is made to the card/account used for payment
  • For BLIK: refund to the bank account linked to the app
  • For Klarna: cancellation or reduction of payment in accordance with the plan
  • Refund time: up to 14 days from the acceptance of the return
  • Actual time for funds to appear in your account depends on your bank (usually 3-10 business days)


3. PAYPAL

3.1. What is PayPal?

PayPal is an international online payment system that allows secure transactions using a PayPal account, payment card, or bank account.

3.2. How to pay via PayPal?

  1. Select PayPal as the payment method during checkout
  2. You will be redirected to the secure PayPal website
  3. Log in to your PayPal account or pay as a guest (by card)
  4. Confirm the payment
  5. You will be automatically redirected back to our Store

You do not need a PayPal account – you can also pay by card as a guest.

3.3. PayPal security

PayPal payments are:

  • Protected by PayPal Buyer Protection
  • Encrypted using the latest security protocols
  • PCI DSS compliant

3.4. Refunds (PayPal)

In the event of a return or order cancellation:

  • Refund is made to the PayPal account (or card, if you paid as a guest)
  • Refund time: up to 14 days from the acceptance of the return
  • Funds usually appear in the PayPal account within 1-3 business days


4. GIFT CARDS

4.1. What are gift cards?

Gift cards are the perfect gift idea for your loved ones. You can buy a card of a selected value, which can then be used to shop in our Store.

4.2. How do gift cards work?

1. Purchase: Select the value of the gift card and add it to your cart
2. Receive the code: After payment, you will receive a unique gift card code by e-mail
3. Apple Wallet: You can add the card to Apple Wallet for easy access
4. Redeem: During shopping, enter the card code in the „discount code" field

4.3. Available values

Gift cards are available in several predefined values. The current list is displayed in the Store.

4.4. Card validity

A gift card is valid for 12 months from the date of purchase.

After this period, the code expires and cannot be used.

4.5. Using the card

  • The card can be used once or in parts (the remaining balance stays active)
  • If the order value exceeds the card balance, the difference can be paid using another payment method
  • If the order value is lower than the card balance, the remaining amount stays on the card for the next use
  • The card cannot be exchanged for cash
  • The card is non-refundable (except as required by law)

4.6. Checking the balance

To check the balance of your gift card, please contact us via the contact form, providing the card code.

4.7. Lost card

If you have lost your gift card code, please contact us. We will be able to recover the code using the e-mail address to which it was sent.

Note: We are not responsible for unauthorised use of a gift card code. Treat the code like cash and do not share it with third parties.


5. TRANSACTION SECURITY

5.1. Encryption

All data transmitted during the payment process is encrypted using the SSL/TLS protocol (HTTPS connection).

You can verify this by checking:

  • The padlock icon in the browser address bar
  • The page address starts with https://

5.2. We do not store card details

We do not store and do not have access to your full payment card details. All data is processed directly by:

  • Shopify Payments (for card payments)
  • PayPal (for PayPal payments)

5.3. 3D Secure verification

For additional security, most card payments require 3D Secure verification (Verified by Visa, Mastercard SecureCode):

  • SMS code
  • One-time password (OTP)
  • Banking app

This protection safeguards you against unauthorised use of your card.


6. PAYMENT PROBLEMS

6.1. Payment declined

If your payment was declined, this may be due to:

  • Insufficient funds in your account
  • Card limit exceeded
  • Incorrect card details
  • Security settings set by your bank (e.g. block on foreign payments)
  • Technical issues

What to do?

  1. Check that your card details are correct
  2. Make sure you have sufficient funds
  3. Contact your bank (it may need to authorise the transaction)
  4. Try another payment method (e.g. PayPal)
  5. If the problem persists, contact us

6.2. Double payment / charge

If you have been charged twice:

  1. Check whether you accidentally placed two orders
  2. Check with your bank/PayPal whether the payment is confirmed or only pre-authorised
  3. Contact us – we will verify the transactions and, if necessary, refund the overpayment

Note: Sometimes the bank temporarily blocks funds (pre-authorisation) – if the payment fails, the funds will be automatically released by the bank within 3-7 days.

6.3. No payment confirmation

If you have not received a payment confirmation:

  1. Check your SPAM/PROMOTIONS folder
  2. Check that you entered the correct e-mail address
  3. Log in to your PayPal account / check your bank statement – was the payment charged?
  4. Contact us – provide your name and approximate order amount


7. PAYMENT REFUNDS

7.1. Refund rules

Detailed information about refunds can be found in the Returns and Complaints Policy.

7.2. How is the refund made?

Refunds are made:

  • Using the same method as the original payment (unless otherwise agreed)
  • Within 14 days of the return/complaint being accepted

7.3. Refund of delivery costs

In the case of withdrawal from the agreement (return within 14 days):

  • We refund delivery costs (the cheapest standard option) in the case of orders returned in full.
  • We do not refund the costs if you chose a more expensive delivery option (e.g. express courier)

In the case of a complaint (defective goods):

  • We refund full delivery costs (including the cost of returning the defective goods)


8. INVOICES

8.1. VAT invoice

If you need a VAT invoice:

  • Inform us by writing „I would like to receive an invoice" in the Notes/Comments field when placing your order
  • Enter your invoice details (company name, NIP/VAT ID, address)

The invoice will be sent to your e-mail address in electronic form (PDF) within 7 days of payment being credited.

8.2. EU invoice (OSS)

For EU customers, we apply the OSS (One Stop Shop) system:

  • The invoice includes the correct VAT for the destination country
  • You do not need to account for import VAT yourself

8.3. Changing invoice details

If you provided incorrect invoice details:

  • Contact us before the goods are dispatched
  • After the invoice has been issued, changing the details may not be possible (legal requirements)


9. DEFERRED AND INSTALMENT PAYMENTS

We offer deferred and instalment payments through Klarna („Buy now, pay later" – deferring payment or spreading it over instalments). Details can be found in section 2.2(E).

We do not offer cash on delivery (payment on receipt of the parcel).


10. CONTACT FOR PAYMENT MATTERS

Questions about payments:

  • Contact form: www.hansawear.com
  • E-mail: orders@hansawear.com / hello@hansawear.com

Company details:
MAMY TO Łukasz Chomyn
ul. Kochanowskiego 5/90
01-864 Warsaw, POLAND
NIP: 8811405812

Last updated: 01.05.2026