LuxuryX Card Payment Terms & Conditions

1. Payment amount and card use

Payments are charged in Sri Lankan Rupees (LKR). Review the products, quantities, delivery details, delivery charges and total shown at checkout before submitting payment. We will not charge a higher amount without your agreement.

You must be the cardholder or have the cardholder's authorisation to use the card. Provide accurate contact, billing and delivery information. Available card options are displayed at checkout. Your card issuer may apply its own fees or currency conversion charges, where applicable.

2. Processing and authentication

Card payments are processed through Bank of Ceylon (BOC), subject to approval by your card issuer and confirmation through the payment gateway. Your issuer may require an OTP or another authentication step. A declined or unverified payment cannot be treated as a successful payment.

Never send LuxuryX your full card number, CVV, PIN, OTP or online banking password by phone, email or chat.

3. Payment confirmation and order acceptance

A payment authorisation, pending debit or successful payment does not by itself mean LuxuryX has accepted your order. An automatic acknowledgement only confirms receipt of the order. Your order is accepted when LuxuryX sends an Order Confirmation stating that it is accepted. Dispatch or collection readiness is a separate stage.

Before acceptance, LuxuryX may decline an order for a valid reason, including unavailable stock, a genuine pricing or description error, unsuccessful payment verification, suspected fraud or an unsupported delivery address. We will notify you promptly and refund in full any payment received for an order we cannot accept.

For a pricing error identified before acceptance, you may agree to the correct price or cancel for a full refund. We will not charge the difference without your agreement. If only part of an order is available, we will contact you so you can choose the available items with a refund for the remainder, or cancel the whole order for a full refund.

4. Failed, pending or duplicate payments

If payment fails but your bank shows a debit or pending amount, do not pay again immediately. Contact LuxuryX with your order reference, transaction date and time, amount and the last four digits of your card. We will check the payment status with the gateway.

If payment was not received, your bank controls the release of any reserved amount. If payment was received but no order was created, we will complete the order with your agreement or refund the full amount. Confirmed duplicate charges will be refunded in full to the original card without deduction.

5. Cancellation, returns and refunds

You may cancel before your order is dispatched or made ready for collection by contacting LuxuryX with your order reference. We will refund the full amount paid, including delivery charges.

For cancellation after dispatch, change-of-mind returns, return procedures and applicable time limits, please see our Returns & Refunds Policy. If a product is defective, damaged, incorrect or not as described, contact us promptly. Following assessment, we will provide an appropriate remedy, such as repair, replacement, exchange or refund, in accordance with applicable law. Your statutory rights are unaffected.

Card refunds are made to the same card used for payment. If the original card is closed or an alternative is legally required, contact us so an appropriate method can be agreed after verification and confirmation with the payment provider.

We initiate approved refunds within 7 working days of approval and send confirmation when issued. The time for the credit to appear depends on BOC and your card issuer. Refunds are made in LKR for the refundable amount received by LuxuryX; your issuer's exchange rates and fees may affect the amount shown in another currency.

6. Verification and payment disputes

LuxuryX and the payment provider may carry out reasonable fraud-prevention and transaction-verification checks. An order may be declined or cancelled if payment cannot be verified or appears unauthorised. Payments received will be refunded to the original card unless the law requires otherwise.

Contact LuxuryX if you do not recognise a charge or believe an amount is incorrect. You retain the right to raise a dispute with your card issuer and use available consumer complaint or legal remedies.

7. Personal information

We use order, contact and transaction information to process purchases, deliver products, provide support and prevent fraud. Information may be shared as needed with the payment provider and other service providers involved in fulfilling your order, or with authorities where required by law. See our Privacy Policy for details.

We record your acceptance of these terms, including the accepted version and acceptance time, against your order.

8. Applicable terms and law

The version accepted at checkout applies to your order. Later updates will not change that order's terms unless required by law or in your favour. You may save or print this page and request the version applicable to your order.

These terms are governed by Sri Lankan law. Nothing in them excludes or limits your statutory consumer rights or any liability that cannot lawfully be excluded or limited.

9. Contact LuxuryX

For payment enquiries, cancellations, refunds or complaints:

• Legal business name: Luxuryx Commodities
• Business address: No 525, Union Place, Colombo-02.
  9, Galle Road, Colombo 4.
• Email: support@luxuryx.lk
• Telephone: 0707333533
• Support hours: (Mon - Sat) 09.30 am to 06.00 pm

Include your order reference and a description of the issue. For payment enquiries, include the transaction date, amount and only the last four digits of your card.