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At hokawear.co.uk, we aim to make paying for your order clear, convenient, and secure. This Payment Options Policy explains how payments are handled when purchasing HOKA footwear, running shoes, walking trainers, activewear, clothing, and accessories through our website in the United Kingdom.

It covers the payment methods available at checkout, transaction authorisation, currency and pricing, payment verification, failed transactions, refunds, payment security, and the steps to take if you encounter a payment-related problem.

The payment methods displayed during checkout are the most relevant reference for the options available for your particular order. Availability may vary depending on the payment services in operation, the transaction, and the information provided during checkout.

Please read this policy alongside our Terms of Sale, Order Cancellation Policy, Returns and Refunds Policy, and Privacy Policy.

1. Available Payment Methods

hokawear.co.uk aims to provide convenient payment options for eligible customers shopping in the United Kingdom. Depending on the payment facilities available at the time of purchase, checkout may support debit cards, credit cards, digital wallets, or other electronic payment services.

The methods actually available will be displayed during checkout before you submit your order.

Not every payment method will necessarily be available for every transaction. Certain options may depend on the payment provider, the customer’s bank, transaction verification requirements, or the technical capabilities of the checkout system.

Please select an available method and follow the instructions presented on screen.

If your preferred payment method is not displayed, it may not be supported for that transaction. We recommend using another option shown at checkout rather than assuming that a payment method can be accepted outside the published process.

2. Debit and Credit Card Payments

Where supported at checkout, customers may be able to pay using an eligible debit or credit card issued by a participating financial institution.

To complete a card payment, you may need to provide the information requested by the payment interface and complete any additional verification required by your bank or card issuer.

The card details entered must be valid, and you must be authorised to use the payment method.

Your bank or card issuer may apply its own transaction limits, security checks, authorisation procedures, or other conditions.

A payment can be declined even when the card appears to be valid. Possible reasons include insufficient available funds, incorrect details, a bank security restriction, an expired card, or a temporary processing issue.

If your payment is declined, review the information provided by the payment interface and contact your bank if further clarification is required.

3. Digital Wallets and Electronic Payment Services

Where available, checkout may offer digital wallets or other electronic payment services that allow customers to complete transactions using an existing payment account.

The payment options displayed may depend on the device, browser, account configuration, and services supported by the checkout system.

If you select a digital wallet, you may be redirected to the relevant provider or asked to authenticate the transaction through its interface.

Please review the payment amount and order details before authorising the transaction.

Digital wallet providers may apply their own account requirements, authentication procedures, and transaction rules. Any payment issue arising within an external wallet may require assistance from that provider as well as a review of the order information available to us.

We do not guarantee that every digital wallet or electronic payment service will be available at all times.

4. Currency and Displayed Prices

Prices and payment amounts are presented according to the information shown on hokawear.co.uk during the shopping and checkout process.

Customers should review the product prices, applicable delivery charges, discounts, and total amount payable before confirming an order.

Where the checkout presents prices in pounds sterling (GBP), the payment amount will generally be processed in that currency unless another currency is expressly displayed.

If you use a payment card or account denominated in a different currency, your bank or payment provider may convert the transaction into your account currency.

The exchange rate, conversion method, and any foreign transaction fees are determined by the relevant financial institution or payment provider, not by this policy.

Please check with your provider if you are unsure whether additional currency conversion charges may apply.

5. Reviewing the Total Before Payment

Before authorising payment, customers should carefully review the final order summary.

This may include:

• The products selected and their quantities.
• The chosen sizes, colours, or other available variations.
• The price of each product.
• Any discount or promotional adjustment.
• Applicable delivery charges.
• The total amount payable.

If a promotional code is used, please confirm that the discount has been applied correctly before proceeding.

If the amount displayed differs from what you expected, review the basket and checkout details before submitting payment.

Once a transaction has been authorised, any request to amend or cancel the purchase will be handled according to the order status, the applicable contractual terms, and relevant statutory rights.

We aim to present the amount payable clearly before customers commit to a purchase.

6. Payment Authorisation and Order Acceptance

When you submit a payment, the relevant payment provider may send an authorisation request to your bank or financial institution.

The transaction may require security verification before approval is granted.

A successful payment authorisation does not necessarily mean that the order has already been dispatched. Order processing, product preparation, and delivery arrangements are separate stages.

Likewise, an order acknowledgement does not necessarily confirm that payment has been fully settled or that the order has been finally accepted.

The contract formation process is explained in our Terms of Sale and in the information provided during checkout.

If you receive a payment confirmation but no order acknowledgement, or receive an order acknowledgement while the payment status remains unclear, please contact customer support before attempting another transaction.

7. Payment Verification and Security Checks

Some transactions may require additional verification to protect customers and reduce the risk of unauthorised payments.

Depending on the payment method, your bank or provider may request confirmation through a banking application, a one-time verification process, or another authentication method.

These checks are controlled partly or wholly by the relevant financial institution or payment service.

If verification is required, follow the instructions presented through the recognised payment interface.

If you cannot complete the verification process, the transaction may remain pending or fail to proceed.

For your protection, never disclose banking passwords, card security codes, or one-time authentication codes through ordinary customer support messages. We will not ask you to send such credentials by email or through a standard contact form.

If a payment request appears suspicious, do not proceed until you have verified that it relates to your intended purchase.

8. When a Payment Is Pending

A pending payment may indicate that the transaction is awaiting confirmation or that funds have been temporarily authorised by your bank or payment provider.

This does not necessarily mean that the payment has been completed or that the order has failed.

The way a pending transaction appears on your account depends on the financial institution and the payment method used.

If you see a pending amount after submitting an order, check your order confirmation and payment account before taking further action.

Please avoid repeatedly submitting the same payment or placing a duplicate order while the original transaction is unresolved.

If the status remains unclear, contact customer support with your order reference, the transaction date, and a description of the payment status shown.

We may need to review the available transaction records or advise you to contact your bank or payment provider for further information.

9. Declined or Unsuccessful Payments

A payment may be declined for reasons that include incorrect payment information, insufficient available funds, a bank restriction, an expired payment card, failed verification, or a temporary technical problem.

The specific reason may be available only from your bank or payment provider.

If a transaction is declined, review the details entered and ensure that the payment method remains valid.

You may choose another payment option if one is available at checkout.

If you believe the payment was declined incorrectly, contact your financial institution before repeatedly attempting the same transaction.

If money appears to have been deducted despite an unsuccessful checkout, retain the relevant transaction details and contact customer support so that the order and payment status can be reviewed.

Any necessary correction or refund will be handled according to the circumstances and applicable legal requirements.

10. Duplicate Payments and Multiple Transactions

If you believe you have been charged more than once for the same order, please contact customer support promptly.

Provide the order reference, the dates of the transactions, and the amounts shown on your payment account.

Where possible, distinguish between completed charges and pending authorisations, as they may be displayed differently by your bank.

We will review the information available to determine whether multiple completed payments are associated with the order.

If a duplicate payment is confirmed and a refund is due, the relevant adjustment will be arranged through the applicable payment process.

The time required for a correction to appear on your account may depend on your bank or payment provider.

Please avoid sending full card numbers, security codes, or other sensitive financial credentials when reporting a suspected duplicate charge.

11. Payment Confirmation and Receipts

After a successful transaction, order or payment information may be provided through the checkout confirmation page or an email sent to the address supplied during purchase.

Depending on the available system, the confirmation may contain an order reference, product summary, transaction information, and the amount paid.

Customers should retain relevant confirmations for their records, particularly when they may need to ask about delivery, cancellation, or a refund.

If you do not receive an expected confirmation, check your spam or junk folder and verify the email address entered during checkout.

If the transaction appears to have succeeded but no order information is available, contact customer support with the information you have.

A payment record alone may not contain every detail needed to identify an order, so we may request additional information to investigate the matter.

12. Refunds to the Original Payment Method

Where a refund is due, it will generally be issued to the original payment method unless another arrangement is expressly agreed and legally permitted.

The applicable refund process depends on the reason for the refund, the status of the order, and the contractual or statutory requirements involved.

For example, a refund may arise following an accepted cancellation, an eligible return, an agreed adjustment, or a remedy for goods that do not conform to the contract.

Once a refund has been initiated, the time required for the funds to appear may depend on the payment provider, bank, or card issuer.

A refund confirmation does not necessarily mean that the funds will be visible immediately.

If a refund has not appeared within the period communicated to you, contact customer support with the order reference and relevant refund confirmation, if available.

For further details about eligibility and return procedures, please consult our Returns and Refunds Policy.

13. Refunds Following Order Cancellation

If an order is cancelled and a refund is due, the payment adjustment will be handled according to the applicable cancellation conditions and legal requirements.

Where an order has not been dispatched, the goods will not ordinarily need to be returned.

If a parcel has already been sent, the applicable cancellation and return procedure may need to be followed.

For eligible statutory cancellations, reimbursement is generally due without undue delay and within the relevant legal deadline. In certain circumstances, reimbursement may be withheld until returned goods have been received or evidence of their return has been provided, whichever occurs first.

The treatment of delivery charges and other amounts will depend on the circumstances and applicable statutory rules.

For detailed instructions about cancellation requests, please refer to our Order Cancellation Policy.

14. Promotional Discounts and Payment Amounts

Promotional codes or other eligible discounts may reduce the amount payable for an order.

The applicable discount should be reflected in the order summary before payment is authorised.

Some offers may be subject to conditions concerning eligible products, minimum spending requirements, or other restrictions clearly presented with the promotion.

If a discount does not appear as expected, check that the relevant conditions have been satisfied before completing the transaction.

If you have already paid and believe an advertised discount was incorrectly applied, contact customer support with your order reference and details of the offer.

We will review the information available and explain the appropriate next steps in accordance with the applicable purchase terms and legal requirements.

Promotional conditions do not remove statutory consumer rights.

15. Payment Errors and Technical Interruptions

Occasionally, a technical interruption may affect the payment process or prevent the checkout page from displaying a clear result.

For example, your browser may stop responding after you authorise a transaction, or the confirmation page may fail to load.

If this happens, check your email and payment account before attempting to place the order again.

If a transaction appears to have been completed, retain the relevant details and contact customer support if no order confirmation is available.

If the transaction appears unsuccessful but an amount is shown as pending, your bank may need time to update the status.

We will review the information available to us and explain the appropriate next steps where possible.

We cannot control every technical issue affecting external financial institutions, but we aim to assist with identifying order-related problems.

16. Payment Fraud and Unauthorised Transactions

Customers should use only payment methods they are authorised to use and ensure that the details submitted during checkout are accurate.

If you suspect that someone has used your payment details without permission, contact your bank or card issuer immediately so that it can take appropriate security measures.

You should also notify customer support if the suspected transaction appears to be associated with hokawear.co.uk.

Please provide enough information to identify the relevant order or transaction without disclosing sensitive authentication credentials.

We may review the available transaction information and cooperate with relevant payment providers where appropriate and lawful.

For your protection, be cautious of unexpected messages asking you to pay an additional fee, disclose authentication codes, or provide confidential banking information.

If a message claims to come from a payment provider or delivery company, verify it through the provider’s recognised website or customer service channel.

17. Payment Information and Privacy

Personal information associated with payments and purchases may be processed to authorise transactions, administer orders, prevent fraud, provide customer support, and comply with legal obligations.

Depending on the payment method, transaction information may be processed by third-party payment providers or financial institutions.

We may receive information such as payment status, transaction references, and confirmation that a payment or refund has been processed.

The extent of the information available to us depends on the payment service and its technical arrangements.

We aim to handle personal information in accordance with our Privacy Policy and applicable UK data protection legislation.

For further details about how information is collected, used, retained, and shared, please review our Privacy Policy.

18. Third-Party Payment Providers

Payment services may be operated by external providers that manage transaction processing, authentication, fraud prevention, or related functions.

These providers may have their own terms, privacy notices, and security procedures.

Where a payment issue depends on an external provider or financial institution, we may not have access to every internal decision or processing detail.

Customers may need to contact the relevant provider directly for information about account restrictions, bank charges, currency conversion, or a transaction that remains pending.

Where the issue relates to an order placed through hokawear.co.uk, please also contact us so that the available order information can be reviewed.

The use of a third-party payment service does not remove any consumer rights or contractual obligations that apply to the purchase.

19. Taxes, Charges, and Additional Fees

The total amount payable for an order should be reviewed during checkout before the transaction is submitted.

Depending on the purchase, the displayed total may include product prices, applicable taxes, delivery charges, and any eligible discounts.

Your bank or payment provider may apply separate charges that are not part of the amount collected through our checkout, such as foreign transaction fees or currency conversion charges.

The availability and amount of such fees depend on your financial institution and account terms.

If you believe that an amount collected by hokawear.co.uk differs from the total confirmed during checkout, contact customer support with the order details.

If the additional amount appears only on your bank statement, your bank or payment provider may be best placed to explain its origin.

20. Payment Disputes and Complaints

If you believe that a payment has been processed incorrectly, please contact customer support through the contact options published on hokawear.co.uk.

Provide the order reference, transaction date, amount, and a clear explanation of the issue.

We aim to review payment enquiries fairly and provide relevant information based on the records available.

If the matter concerns a bank restriction, an account fee, or an external provider’s decision, you may also need to contact that institution directly.

You remain entitled to use any applicable complaint procedure or legal remedy available under UK law.

Nothing in this policy restricts your right to raise a genuine dispute with your bank, card issuer, payment provider, or a relevant regulatory body.

21. Changes to Available Payment Methods

The payment methods available through hokawear.co.uk may change as payment services, technical systems, or operational arrangements are updated.

A method that was previously available may not be offered for every future transaction.

The payment options shown at checkout should therefore be treated as the current reference for your purchase.

We aim to present the available options clearly before you submit an order.

If a payment method becomes unavailable while you are checking out, you may need to select another supported option or try again later.

Any changes to payment facilities will remain subject to applicable contractual and legal requirements.

22. Contact Us About Payments

If you have a question about an available payment method, a pending transaction, a declined payment, a duplicate charge, or a refund, please visit the Contact Us page on hokawear.co.uk and use the contact method currently provided there.

To help us review your enquiry, include your order number where available, the transaction date, the amount involved, and the payment status displayed by your provider.

Please do not send full payment card details, card security codes, banking passwords, or one-time authentication codes through ordinary customer support messages.

If you suspect unauthorised activity, contact your bank or card issuer promptly as well.

We aim to review payment-related enquiries carefully and explain the available next steps according to the circumstances.

23. Our Commitment to Clear Payment Procedures

At hokawear.co.uk, we aim to make payment arrangements understandable by presenting available payment methods during checkout, allowing customers to review the total amount payable, and providing guidance when a transaction does not proceed as expected.

We recognise that secure and reliable payment processing is an important part of online shopping. We aim to handle payment-related enquiries responsibly, protect relevant information, and process refunds in accordance with the applicable contractual and legal requirements.

Customers are encouraged to check their order details before authorising payment and to retain relevant transaction confirmations until their purchase has been completed.

Thank you for shopping with hokawear.co.uk. We aim to provide a clear and convenient payment experience for customers throughout the United Kingdom.