Payment Policy

Last Updated: November 16, 2025

Company Information

Registered Company Name: RACK N RAIL LTD

Company number: 16104580

Registered office address: Liberty House, 30 Whitchurch Lane, Edgware, England, HA8 6LE, United Kingdom

Phone: +447588202705

Email: info@racknrail.co

Business Hours: 10:00 AM-7:00 PM (Mon-Fri), Greenwich Mean Time (London).

Website: https://racknrail.co

This Payment Policy outlines how payments are collected, processed, secured, and managed for all orders placed on Rack N Rail. It is designed to provide transparency, protect consumers, and ensure compliance with UK consumer law and PCI-DSS standards.

Accepted Payment Methods

Rack N Rail provides multiple secure payment options to ensure a smooth checkout experience:

  • Visa
  • Mastercard
  • American Express
  • Discover
  • UnionPay
  • Elo
  • Diners Club
  • Maestro
  • Google Pay
  • PayPal
  • Shop Pay

Notes:

  • All payments are handled via secure, encrypted gateways.
  • No card details are stored on our servers, ensuring privacy and compliance with PCI-DSS regulations.

Payment Processing Details

  • Payments are processed immediately after an order is confirmed.
  • Customers will be charged only once the order is successfully placed.
  • Payment authorisations may include temporary holds to verify funds or account validity.
  • Orders with failed payments will not be processed until payment is successfully received.

Important: For preorders or special/custom orders, payment may be authorised immediately but charged only upon dispatch.

Currency, Pricing & VAT

  • All prices are displayed in GBP (£) and include UK VAT where applicable.
  • Rack N Rail reserves the right to update prices or promotions at any time.
  • Customers are always charged the confirmed total at checkout, including taxes and fees.

Payment Security & Data Protection

  • All transactions are conducted over SSL-encrypted connections.
  • Rack N Rail adheres to PCI-DSS security standards for all payments.
  • Personal and financial information is stored securely and never shared without consent, except for order fulfilment and legal obligations.
  • Fraud detection measures are in place to protect both the customer and Rack N Rail.

Failed Payments & Payment Errors

If your payment fails:

  • You will receive a notification by email detailing the reason (e.g., insufficient funds, incorrect card info).
  • Orders with failed payment will not be processed.
  • Customers are advised to retry payment or contact their bank.
  • If payment is not completed within 7 days, the order may be automatically cancelled.
  • Persistent payment issues may require manual verification by Rack N Rail support.

Refunds & Chargebacks

  • Refunds are issued in accordance with the Return & Refund Policy.
  • Refunds are returned via the original payment method.
  • Processing times may vary by payment provider (usually 10 business days).
  • Customers are encouraged to contact Rack N Rail before initiating a chargeback.
  • Chargebacks without prior communication may delay resolution or require additional verification.

Payment Disputes & Resolution

  • All payment disputes must be reported within 7 days of the transaction.
  • Please provide the following information to Rack N Rail:
    • Order number
    • Transaction date
    • A description of the issue
  • Rack N Rail commits to a prompt investigation and resolution.
  • Disputes will be handled in accordance with UK consumer protection law.

Payment for preorders or Special Orders

  • For preorders, your payment may be authorised at the time of order but charged only when the product is ready to ship.
  • Special or custom-made orders require full payment before production or dispatch.
  • Cancellation of pre-orders or custom orders may be restricted or incur fees.
  • Customers are notified of expected dispatch dates at checkout and via email.

Partial Payments & Deposits

  • Rack N Rail may offer deposits or partial payments for high-value or bulk orders.
  • Deposit amounts will be clearly communicated before checkout.
  • Full payment must be completed prior to shipping.
  • Failure to complete full payment may result in cancellation or delay.

Payment Verification & Fraud Prevention

  • Orders may be subject to verification to prevent fraud.
  • Verification may include contacting the customer via email or phone.
  • Orders suspected of fraudulent activity may be held or cancelled.
  • Rack N Rail reserves the right to refuse service if payment cannot be verified.

 Recurring Payments/Subscriptions (If Applicable)

  • For subscription-based services or products:
    • Recurring payments are clearly indicated at checkout
    • Customers may cancel subscriptions following the instructions in their account or via customer support
    • Refunds for partial billing periods are processed in accordance with subscription terms

Payment Cancellation

  • Customers can contact Rack N Rail to cancel their payment before the order dispatches.
  • After dispatch, cancellation is no longer possible; standard return procedures apply.
  • Refunds are processed promptly, following verification and UK consumer law regulations.

Contact Information for Payment Issues

If you have any questions or concerns about payments:

Phone: +447588202705

Email: info@racknrail.co

Business Hours: 10:00 AM - 7:00 PM (Mon-Fri), Greenwich Mean Time (London)

We aim to respond to all queries within 24 hours during business days.

Our support team is available for assistance with:

  • Failed payments
  • Refund requests
  • Chargebacks
  • Payment security concerns