Payment Policy

Last Updated: February 3, 2026

At Wall Mural Shop, we believe that transparency is the foundation of trust. This Payment Policy outlines every aspect of how we handle your financial transactions, the methods we accept, and the security measures we take to protect your data.

1. Our Commitment to Secure Payments

We utilise e-commerce industry-standard security protocols. Our website is hosted on a secure server and uses 128-bit SSL (Secure Sockets Layer) encryption technology. This ensures that all sensitive information, such as your credit card details and personal data, is encrypted before being transmitted over the internet.

2. Comprehensive List of Accepted Payment Methods

To provide a flexible shopping experience for our customers in the USA and the UK, we accept the following payment methods:

  • Credit/Debit Cards: Visa, Mastercard, Maestro, American Express (Amex), and UnionPay.
  • Digital Wallets: Apple Pay, Google Pay, and Shop Pay.
  • Contactless Payments: We support express checkout options through most mobile devices.

Note: We do not accept cash on delivery (COD), personal cheques, or direct bank transfers at this time.

3. Pricing, Taxes, and Currency Display

  • Geographic Pricing: Our system automatically detects your location. If you are browsing from the United States, prices are shown in USD ($). If you are browsing from the United Kingdom, prices are shown in GBP (£).
  • Price Consistency: The price you see on the product page is the base price. At checkout, no hidden "service fees" or "convenience fees" are added by Wall Mural Shop.
  • Taxes: For USA customers, sales tax is calculated based on your state's regulations. For UK customers, please refer to our Shipping Policy (Section 12) regarding import VAT and customs duties, as these are collected by the courier upon entry to the UK and are not collected at our checkout.

4. Step-by-Step Payment Process

  1. Selection: Add your custom mural to the cart.
  2. Information: Enter your shipping and billing details.
  3. Payment Selection: Choose your preferred payment method.
  4. Authorisation: When you click "Pay Now", our payment gateway communicates with your bank to authorise the transaction.
  5. Confirmation: Once approved, your order status changes to "Paid", and you will immediately receive an automated confirmation email with your unique order ID.

5. PCI-DSS Compliance & Data Storage

Wall Mural Shop is PCI-DSS (Payment Card Industry Data Security Standard) compliant.

  • No Data Storage: We do not store, see, or have access to your full credit card number or CVV code.
  • Third-Party Processing: All transactions are handled by certified payment processors who adhere to the strictest security standards in the financial industry.

6. Billing & Shipping Address Verification

To prevent fraudulent transactions and ensure your protection:

  • Your billing address must match the address on file with your credit card-issuing bank.
  • If the billing and shipping addresses differ, our system may flag the order for a manual security review, which could delay processing by 24 hours.

7. Handling Declined Transactions

If your payment is declined, it is usually due to one of the following:

  • Incorrect Card Information: Ensure the CVV and expiry date are correct.
  • International Block: Since our operations centre is in Spain and manufacturing is in China, some banks may block the transaction as "International". Please contact your bank to authorise the payment.
  • Insufficient Funds: Ensure your account has enough balance for the total order amount.

8. Fraud Prevention & Security Reviews

Wall Mural Shop reserves the right to cancel any order that we suspect may be fraudulent. We use automated fraud detection tools that analyse IP addresses, proxy usage, and card patterns. If an order is flagged, we may request email verification before proceeding with production.

9. Refund Issuance & Billing Cycles

Approved refunds (per our Return and Refund Policy) are processed within 7 business days.

  • Original Method: Refunds can only be sent to the original payment method used.
  • Bank Processing: Once we issue the refund, it may take an additional 3–5 days to appear on your bank statement, depending on your financial institution's internal processing times.

10. Invoices & Billing Documentation

Every order is issued a digital invoice. If you require a formal VAT invoice or a business-specific receipt for tax purposes, please contact us at contact@wall-mural-shop.com with your order ID, and our accounting team will provide it within 48 hours.

11. Business Transparency & Contact Information

Wall Mural Shop, owned and operated by MONRUBE SL.

Legal Entity Name: MONRUBE SL

Trading As: Wall Mural Shop

NIF: B11601994

Registered Address: Avenida de Europa, 11405 Jerez de la Frontera, Cádiz, Spain

Phone: +34609710611

E-mail: contact@wall-mural-shop.com

Live Chat: Available on the website

Business Hours: 8:00 AM to 6:00 PM (Monday–Saturday), (GMT+01:00) Central European Standard Time (Madrid)

12. Policy Modifications

We reserve the right to change our payment methods and this policy at any time. Changes will be effective immediately upon being posted on the website.