Payment & Secuirty Policy

Last Updated: December 2025

1. Introduction

This Payment & Security Policy (“the Policy”) establishes the formal principles, operational procedures, and security commitments governing all payment transactions conducted through Our Website. The Policy outlines the comprehensive measures QKDEU (“the Company,” “we,” “our,” or “us”) undertakes to ensure that every financial interaction processed through our digital platform is executed securely, lawfully, and in full compliance with international regulatory and industry security standards.

Our Payment & Security Policy is designed to provide users (“you,” “your,” or “the customer”) with complete transparency regarding the payment options available, the protections applied to financial data, and the systems used to detect, deter, and prevent fraud or unauthorised activity. QKDEU acknowledges the sensitivity of financial information and adopts highly advanced technological, organisational, and procedural safeguards to protect such data. This Policy applies to all transactions initiated through Our Website and any integrated service pathways that support payment authorisation, processing, settlement, and post-transaction risk evaluations.

2. Payment Methods Accepted by QKDEU

QKDEU strives to offer a wide range of secure and flexible payment methods to accommodate global customers. We support multiple current and future payment systems, ensuring accessibility, convenience, and seamless transaction experiences across regions. The following categories represent the types of payment methods accepted:

2.1 Card-Based Payment Systems

Our Website supports major debit and credit card networks, including but not limited to Visa, MasterCard, American Express, and other internationally recognised card issuers. These transactions are processed through secure payment gateways operating under strict Payment Card Industry Data Security Standard (PCI-DSS) requirements. QKDEU does not store complete card numbers, CVV codes, or sensitive authentication data on Our Website. All card processing occurs exclusively through secure third-party partners.

2.2 Digital Wallets and Mobile Payment Services

We accept digital wallet transactions through widely utilised platforms, including Apple Pay and Google Pay, and reserve the right to incorporate additional mobile-based payment solutions as industry trends evolve. Digital wallet transactions enhance user security by utilising device-level encryption, tokenisation, biometric authentication, and secure in-app authorisation.

2.3 PayPal and Online Payment Accounts

PayPal is supported as a secure and globally recognised third-party payment provider. When selecting PayPal, customers are redirected to PayPal’s secure environment where authentication is completed. QKDEU does not receive or store your PayPal login details or associated financial credentials.

2.4 Marketplace Payment Solutions

We may support payment processing through integrated marketplace systems such as Amazon Pay, eBay Payments, and similar third-party transactional frameworks. Such systems operate under their own security protocols. QKDEU receives only the payment confirmation and shipping information required to fulfil your order.

2.5 Buy Now, Pay Later (BNPL) Providers

QKDEU may partner with Buy Now Pay Later providers, including but not limited to Klarna, Clearpay, Afterpay, or other current and future BNPL networks. These partners may conduct independent creditworthiness assessments. QKDEU does not access, influence, or store your BNPL application data.

2.6 Bank Transfers, Open Banking, and International Payments

Where applicable, QKDEU may offer secure methods of direct bank transfer, open banking payments, or international wire transfers. Such systems may require external authentication and verification processes implemented by your financial institution. QKDEU receives only the confirmation of payment required to process your order.

2.7 Cryptocurrency and Future Payment Technologies

QKDEU reserves the right to incorporate cryptocurrency-based payment systems, blockchain-verified payments, digital asset wallets, or any future financial technology innovations as they become compliant with regulatory and operational requirements. Such integrations will follow industry-leading security protocols.

2.8 “Present and Future Payment Methods” Clause

To ensure long-term compatibility and prevent the need for legal updates as the industry evolves, QKDEU formally includes the category of all present and future payment methods, subject to compliance with applicable laws and internal security evaluations. This clause ensures our Payment & Security Policy remains future-proof.

3. How Payment Information Is Processed

QKDEU operates under a strict policy of not collecting, storing, or retaining full financial credentials, including card numbers, CVV codes, bank codes, or wallet authentication details. All sensitive financial data is processed exclusively by third-party payment partners operating within high-security, regulated environments.

Payment partners engaged by QKDEU utilise secure payment authorisation protocols, encrypted transmission environments, and tokenisation processes to protect financial data. At no time do we access or retain the authentication data required to initiate or confirm your payment method. Instead, QKDEU receives a secure transaction confirmation or authorisation token that permits us to fulfil your order without compromising your financial security.

4. Security Standards Followed by QKDEU

QKDEU adheres to globally recognised security standards and implements comprehensive technical, organisational, and administrative safeguards to protect your payment data.

4.1 PCI-DSS Compliance

All payment partners integrated with Our Website operate in full compliance with the Payment Card Industry Data Security Standard (PCI-DSS). These standards require robust encryption, secure authentication, firewall-protected server environments, access control limitations, secure key management, and continuous monitoring against vulnerabilities.

4.2 Secure Sockets Layer (SSL) / Transport Layer Security (TLS)

Every transaction conducted through Our Website is protected by SSL/TLS encryption, ensuring that data transmitted between your browser and Our Website remains confidential, authenticated, and tamper-proof. Visual indicators, such as a padlock symbol, reflect the presence of a secure session.

4.3 Tokenisation and Encrypted Processing

When customers enter card information, payment partners replace sensitive data with encrypted tokens. This tokenisation mechanism ensures that QKDEU never receives complete card details and that no unencrypted financial data is stored in any QKDEU systems.

4.4 Fraud Prevention and Risk Management Systems

QKDEU employs multilayered fraud detection systems, including, but not limited to:

  • Behavioural analytics models
  • AI-driven anomaly detection
  • Device fingerprinting
  • Transaction risk scoring
  • IP reputation monitoring
  • Automated fraud-prevention algorithms

These tools collectively verify the legitimacy of transactions, identify unusual behaviour, and prevent fraudulent or malicious activities.

4.5 Identity Verification and Customer Authentication

In cases where transactions require additional verification, QKDEU or its payment partners may implement identity verification protocols. These may include one-time passcodes, 3D Secure authentication, biometric confirmation (when available through digital wallets), or other secure methods mandated by industry standards.

4.6 Internal Access Restrictions

Only authorised personnel within QKDEU may access transaction metadata that is necessary for fulfilment, customer support, audits, or compliance. No staff member has access to full financial data, card numbers, CVVs, or banking credentials at any time.

5. Protection of Personal Data During Payments

Payment data is processed in strict accordance with our Privacy Policy. Personal data such as your name, billing address, shipping address, and contact details may be transmitted to payment partners solely to validate and complete the transaction. QKDEU does not retain personal data longer than necessary for the fulfilment of the contract, compliance with legal obligations, or security-related investigations.

All personal data is protected through encryption, restricted access controls, secure storage protocols, and compliance with global data protection laws.

6. Fraud, Abuse, and Transaction Monitoring

QKDEU maintains a zero-tolerance policy for fraudulent transactions and employs advanced security mechanisms to detect and prevent:

  • Stolen card usage
  • Chargeback fraud
  • Account takeover attempts
  • Automated bot transactions
  • Identity theft
  • Suspicious ordering patterns

AI-based risk assessment models analyse user behaviour, device attributes, purchase frequency, time-of-day signals, and other contextual indicators to evaluate potential threats. Transactions flagged as suspicious may be delayed, cancelled, or subjected to further verification at our discretion.

QKDEU also cooperates with financial institutions, payment partners, and law enforcement agencies when investigating fraudulent or unlawful activity.

7. International Payment Processing

QKDEU serves customers across global regions, and payment transactions may involve the transfer of data internationally. Such transfers occur through highly secure channels and are governed by:

  • Standard Contractual Clauses (SCCs)
  • Adequacy decisions
  • Encryption safeguards
  • Regulatory compliance checks
  • Strict partner vetting procedures

International payment flows remain fully compliant with the UK GDPR, EU GDPR, and other relevant legal frameworks.

8. Refunds and Reversals of Payments

When processing refunds, QKDEU issues reimbursement exclusively through the original payment method used at the time of purchase, unless circumstances legally require an alternative method. Refunds are handled through secure channels, and QKDEU does not store financial details required to execute the refund; such details are retrieved directly by payment partners using encrypted identifiers.

Refund timelines vary depending on bank processing schedules, digital wallet systems, and payment partner procedures.

9. Liability Limitations for Payment Systems

QKDEU is responsible for ensuring secure transmission of payment requests; however, QKDEU does not control the internal systems of third-party payment processors. Accordingly, QKDEU cannot be held liable for errors, outages, service interruptions, or security breaches occurring within the independent networks of such processors. By initiating a transaction through Our Website, the customer acknowledges that each payment partner’s terms, conditions, and security protocols operate independently of QKDEU’s internal systems.

10. Customer Responsibilities in Maintaining Payment Security

While QKDEU takes extensive measures to maintain a secure payment environment, users also bear responsibility for safeguarding their payment credentials. Customers must ensure:

  • Their devices are free from malware
  • They use secure internet connections
  • They do not share authentication codes
  • They do not allow unauthorised individuals to access their accounts

QKDEU shall not be liable for losses incurred due to compromised devices, shared passwords, or unauthorised access caused by user negligence.

11. Future Payment Innovations Clause

QKDEU actively supports innovation and may integrate emerging payment technologies such as biometric authentication, blockchain-based payment verification, tokenised identity wallets, artificial intelligence-driven financial processing, quantum-secure payment channels, and other advanced solutions as the financial technology landscape evolves.

All future integrations will comply with industry security standards and applicable legal frameworks prior to deployment.

12. Updates to This Payment & Security Policy

QKDEU may modify, revise, or update this Policy at any time to reflect technological advancements, security improvements, regulatory changes, or operational developments. Such updates will be posted on Our Website with revised effective dates. Continued use of Our Website constitutes acceptance of any modifications.

13. Contact Information

For inquiries regarding this Payment & Security Policy or concerns related to financial security, please contact:

Customer Support: +44 7735 610541  |  Business Enquiries: +44 845 689 5589  |  Email: info@qkdeu.co.uk
Address: Hazelbury, Stoney Lane, Ashmore Green, Thatcham, Berkshire, Thatcham RG18 9HQ, United Kingdom

QKDEU remains committed to providing the highest level of security, transparency, and reliability in all financial transactions conducted through Our Website.