Payment Policy

Softliva, an online fashion brand operated by Masud Trading
Last updated: 29/9/26

This policy explains how payments work when you order from softliva.com. By placing an order, you agree to the terms below.

1. Accepted payment methods

We accept the following payment methods at checkout:

Credit and debit cards: [Visa, Mastercard, American Express]
[PayPal]
[Apple Pay / Google Pay]
[Klarna / Finnish online bank payments / other]

The methods available to you may vary depending on your country and the order total. Only the methods shown at checkout can be used. We do not accept cash, cheques, or payments sent outside the checkout.

2. Currency and prices

All prices are shown in euros (EUR) [change if you sell in other currencies].
Prices include applicable VAT unless stated otherwise. VAT is calculated at checkout based on your delivery address.
Shipping costs are shown separately before you confirm your order.
If your card or bank uses a different currency, your provider sets the exchange rate and may charge conversion fees. We do not control these.

3. When you are charged

Payment is taken when you place your order. If an item turns out to be unavailable, we will contact you and refund you in full for that item. Your order is confirmed once payment is successfully authorised and you receive an order confirmation email.

4. Payment security

Payments are processed by [payment provider, e.g. Stripe / Shopify Payments / PayPal], a secure third-party payment service. Softliva does not see or store your full card number or security code. Card payments may require extra authentication (such as 3-D Secure) from your bank, as required under EU strong customer authentication rules. All checkout pages use encrypted (HTTPS/SSL) connections.

5. Failed or declined payments

If your payment is declined, your order will not be processed. Please check your details, try another method, or contact your bank. If money was withdrawn but you did not receive an order confirmation, contact us and we will investigate. Pending authorisations that do not become charges are normally released by your bank within a few business days.

6. Invoices and receipts

A receipt/invoice is sent to your email address after your order is confirmed. If you need an invoice with specific details, contact us before or shortly after ordering.

7. Refunds

Refunds are issued to the original payment method used for the order. Once we have received and approved a returned item, or approved a cancellation, we process the refund within [14] days, in line with our Returns Policy. Your bank or payment provider may need additional time to show the refund in your account. Returns are sent to our warehouse address listed in section 10.

8. Order review and fraud prevention

To protect customers and our business, we may review orders and may cancel or refuse an order if we suspect fraud, unauthorised payment, or a pricing error. If we cancel an order after payment, you will receive a full refund.