Last updated: [24/11/2025]

This Payment Policy outlines the terms and conditions relating to payments made to Horizon Cash & Carry Ltd we  when purchasing products online, in-store, or over the phone.
By placing an order with us, you agree to the terms described below.

1. Accepted Payment Methods
We accept the following payment methods:
In-Store Payments

• Cash
• Debit & credit cards (Visa, Mastercard, Maestro)
• Contactless payments
• Bank transfers (for approved customers only)

Phone Orders / Click & Collect

• Card payment over the phone
• Bank transfer (with prior confirmation)
  Delivery Orders
• Payment must be made in full before delivery is dispatched.
• We do not accept cash-on-delivery unless agreed in advance with management.

2. Trade Customer Accounts

All customers must be registered trade customers to shop with us.
During registration, customers must provide:

• Business details
• Valid identification
• Contact information

Once approved, you may receive a customer card for in-store use.

3. Payment Terms

• Full payment is required at the time of purchase.
• Orders will not be processed or delivered until payment is completed and confirmed.
• Any unpaid or overdue amounts may result in temporary suspension of customer privileges.

We do not offer credit accounts unless a written agreement is issued by management.

4. Pricing & Charges

• All prices listed are exclusive of VAT unless stated otherwise.
• VAT will be added where applicable under UK law.
• Prices may change without notice due to supplier adjustments or market conditions.
• We aim to keep all prices up to date and accurate; however, errors may occasionally occur.

5. Order Cancellations
Before Payment
Orders can be cancelled any time before payment is made.

After Payment

If you need to cancel an order after payment:

• Contact us immediately.
• Refunds will be considered based on the order status.
• Once goods have been dispatched or collected, cancellation is no longer possible.

6. Refunds & Returns

Refunds will only be issued in accordance with our
Returns & Refund Policy.
In general:

• Opened, damaged, or temperature-sensitive items (frozen/chilled) cannot be refunded.
• Refunds, if approved, will be issued using the original payment method.

7. Failed or Declined Payments

If a payment fails or is declined:

• The order will not be processed.
• You may be required to use an alternative payment method.
• Repeated declined payments may lead to temporary account restrictions.

8. Fraud Prevention

We reserve the right to:

• Verify payment details
• Request proof of identity
• Cancel suspicious or fraudulent orders
• Block accounts involved in fraudulent activity

This is to protect both our business and our customers.

9. Contact Information

If you have any questions about payments, please contact us:

Horizon Cash & Carry Ltd
Flat 007 Euler Court
4 Axio Way, London, England, E3 4FA
Phone: +44 7466 419063