Payment Policy

Last Updated: March 4, 2026

Welcome to Klowe. We ensure that your shopping experience is safe, simple, and secure. This Payment Policy outlines the accepted payment methods, our security protocols, and our billing terms to provide full transparency to our customers.

1. Accepted Payment Methods

At Klowe, we provide a wide variety of secure payment options to suit our global customers. We currently accept the following payment methods:

  • Credit/Debit Cards: Visa, Mastercard, Maestro, American Express (Amex), Discover, Diners Club, UnionPay, and Elo.
  • Digital Wallets: Apple Pay and Google Pay.
  • Buy Now, Pay Later: Klarna (available in supported regions).

2. Payment Process & Authorization

When you place an order on our website:

  • Your payment method will be charged immediately upon order confirmation.
  • All transactions are processed in the currency selected on our website. Our automatic currency converter ensures you see the exact amount in your local currency.
  • If the credit card authorization is not successful, your order will be automatically canceled, and you will be notified via email.

3. Safe and Secure Payments (SSL Encryption)

Your security is our top priority. To protect your personal and financial information:

  • Our website is equipped with SSL (Secure Sockets Layer) encryption technology. This ensures that all data passed between your browser and our servers remains private and integral.
  • We do not store your full credit card details on our servers. All payments are processed through secure, PCI-compliant payment gateways.

4. PCI Compliance

The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard for organizations that handle branded credit cards. Klowe adheres to these standards to provide a secure environment for all transactions, protecting you against fraud and data breaches.

5. Taxes and Duties

  • United Kingdom: All prices displayed for UK customers include VAT (Value Added Tax).
  • International Orders: For customers in the USA, UAE, and EU, prices are generally inclusive of applicable taxes at checkout. However, please note that some countries may impose local import duties or customs fees upon arrival. These charges are the responsibility of the customer.

6. No Hidden Charges

We believe in 100% transparency.

  • The total price you see at the checkout is the final price you will pay.
  • Standard shipping is free for all supported countries.
  • There are no additional administrative or handling fees added to your total at the point of purchase.

7. Payment Verification

To prevent fraudulent transactions, some orders may be subject to a manual payment verification process. If your order is flagged by our security system, our support team may reach out via email (cs@klowejewelry.com) to confirm your identity before processing the shipment.

8. Payment via Klarna

If you choose to pay using Klarna, your contract will be directly with Klarna. They will perform a soft credit check and provide you with a payment schedule. Please ensure you review Klarna’s terms and conditions during the checkout process.

9. Billing Information Accuracy

To ensure successful delivery, the customer must provide accurate billing information. If the billing address does not match the information on file with your bank, the transaction may be declined.

10. Resolving Payment Issues

If you encounter any issues during the checkout process (e.g., card declined, technical error), please:

  1. Check if your card has international transaction capabilities.
  2. Ensure your billing address matches your bank records.
  3. Contact your bank to see if they have blocked the transaction for security reasons.
  4. Reach out to our support team for assistance.

11. Business & Contact Information

If you have any questions or concerns regarding our payment policy, please contact us at

This website is operated by Klowe, a brand of PGX GROUP LTD.

Legal Name: PGX GROUP LTD

Trade Name: Klowe

Company Registration Number: 16979228

Registered Address: Flat 43 Solomons Court, 451 High Road, London, England, N12 0AW, United Kingdom.

E-mail: cs@klowejewelry.com

Business hours: 09:00 to 17:00 (Monday–Friday), (GMT+00:00) Greenwich Mean Time (London)

Saturday: 09:00 to 14:00 (GMT+00:00) Greenwich Mean Time (London)

Sunday: Closed

12. Policy Updates

Klowe reserves the right to update this Payment Policy at any time. Any changes will be effective immediately upon posting to this page.