Payment Methods

Which payment methods LuvMuggs accepts, exactly what you are charged and when, how refunds reach you, and how your payment details are kept safe. Every payment is processed by the payment provider on its own secure page — your card number is never entered on, sent to or stored by luvmuggs.com.

Last updated: 17 September 2026

Accepted payment methods

The same methods are shown as icons in the footer of every page. Express wallet buttons only appear when your device and browser support them.

What you will be charged

There is nothing else. You see the complete total in the order summary before you enter payment details, and nothing further is charged when the parcel is delivered.

Paying with PayPal

1. Choose PayPal at checkout You are taken to PayPal’s own website.
2. Approve the payment Pay from your PayPal balance, a linked bank account or a card saved in your PayPal wallet. We never see which one you choose.
3. Return to LuvMuggs You are brought back to confirm the order. PayPal’s Purchase Protection applies to eligible orders in the usual way.

Paying by card

• We accept Visa, Mastercard, American Express, Discover and Diners Club credit cards, and Visa, Mastercard and Discover debit cards.
• Card details are typed into the payment processor’s encrypted form. What comes back to us is whether the payment was authorised and the last four digits of the card, so you can recognise which card was used on your order record.
• The billing address you enter must match the address your card issuer holds, or the payment may be declined.

Shop Pay, Apple Pay and Google Pay

• Express wallet buttons let you pay without typing card or address details, using what is already saved in the wallet.
• The card behind a wallet payment is still one of the card brands listed above, and refunds go back to that card.
• If you do not see a wallet button, your device or browser does not support it; every other payment method is still available.

When you are charged

• The full amount — goods plus delivery — is taken when you place the order, not when it ships.
• Our 3 business day handling time starts once payment has cleared.
• If we cannot fulfil an order, we refund it in full straight away and tell you why.

Currency and foreign transaction fees

Every price on luvmuggs.com is in US dollars (USD), and you are charged in US dollars. If your card or PayPal account is held in another currency, your provider converts the amount at its own rate and may add its own fee. That conversion happens on their side; we neither set it nor receive any part of it.

What appears on your statement

The charge appears as LUVMUGGS. If you see a charge you do not recognise, email support@luvmuggs.com with the amount and the date before opening a dispute — it is almost always faster to resolve directly.

Declined or failed payments

Nothing is charged and no order is created when a payment fails. The usual causes are:

• a typo in the card number, expiry date, security code or billing ZIP code;
• an expired card, or a card without enough available credit;
• your bank’s fraud check stopping a payment to a merchant it has not seen before — approving it in your banking app and trying again usually works.

If it keeps failing, try PayPal or a different card, or email us and we will help.

Payment security

• luvmuggs.com is served over HTTPS on every page, including the cart and checkout.
• We do not store card numbers, expiry dates or security codes anywhere. The data never reaches us in the first place, so it is not a policy we could reverse.
• LuvMuggs will never ask for your card details by email, phone or social media.

Refunds to your payment method

Refunds are always made to the original payment method. See the Refund & Returns Policy for when refunds are issued.

Payment questions