Safe & Secure Payment Options at Ecigone

We accept instant bank transfer (UK & EU banks), all major credit and debit cards (Visa, Mastercard, American Express, Diners, Discover, JCB, UnionPay), and Klarna buy now pay later options.

Instant bank transfer or Pay By Bank is becoming Europe's preferred method - you authorise payment directly through your banking app without sharing card details online. Traditional card payments are processed through CyberSource (Visa owned, trusted since 1994) with mandatory 3D Secure V2 authentication. Klarna lets you pay in 30 days or split into 3 interest-free payments. All methods offer the same bank-level security.

Instant Pay By Bank connects directly to your banking app. Select it at checkout, choose your bank, and you're redirected to your own secure banking app to authorise payment. Your card details and sensitive data never leave your bank's secure environment.

Payment confirms instantly and your order starts processing immediately. It's faster than entering card details manually and eliminates card fraud risks completely. All UK and EU banks are supported, with over 14 million users trusting the system. Your bank's biometric authentication (fingerprint or Face ID) provides maximum security.

No. We never store your card details or payment information. Every transaction is processed fresh through our secure payment gateway for maximum security.

With instant bank transfer, your payment data never touches our systems at all - it stays entirely within your bank's secure environment. For card payments processed through CyberSource, your details are encrypted and sent directly to the payment processor. We see only confirmation that payment succeeded, not your actual card numbers or CVV. This approach eliminates any risk of stored payment data being compromised.

Yes. 3D Secure V2 authentication is mandatory on all card transactions. This means your bank verifies it's really you making the purchase before payment completes.

You'll typically see a popup from your bank asking you to confirm via their app, SMS code, or biometric verification. This additional authentication layer reduces fraud to near zero and provides liability shift protection - if fraud occurs despite 3D Secure verification, you're protected. It's required by UK and EU payment regulations and applies to every card transaction regardless of amount.

Klarna offers two flexible payment options: pay in 30 days interest-free, or split your purchase into 3 equal interest-free payments spread over 3 months.

Select Klarna at checkout, provide basic details, and get instant approval (no hard credit check). For pay in 30 days, you receive your order immediately and pay nothing for 30 days. For 3 payments, the first payment is taken when you order, then two more payments at 30 and 60 days. Manage everything through the Klarna app. Perfect for spreading the cost of new kits without interest charges.

Your Ecigone account uses passwordless authentication - more secure than traditional passwords. Login instantly with Google, or use email verification where we send a secure code to your inbox.

No passwords means nothing for hackers to steal, no phishing risks, and no "forgot password" hassles. Passwordless authentication is resistant to the most common online attacks because there's no password to compromise. It's faster access and genuinely more secure. Your order history, wishlists, and account data are protected with bank-level encryption. We never share your information with third parties.

Payment can fail for several reasons: insufficient funds, incorrect card details, 3D Secure authentication timeout, or your bank declining the transaction. You'll see an immediate error message explaining the issue.

Simply try again - double-check card details, ensure sufficient funds, and complete your bank's 3D Secure verification promptly. If problems persist, try an alternative payment method or contact your bank to confirm they're not blocking the transaction. Our live chat team (8am-8pm daily) can help troubleshoot payment issues. Your order isn't created until payment succeeds, so failed attempts won't affect your account.

Refunds are processed within 3-5 working days back to your original payment method. The exact timing depends on your bank or card provider - most customers see refunds within 3-5 days, though some banks take up to 10 days.

For instant bank transfer refunds, money returns directly to your bank account. Card refunds appear as a credit on your statement. Klarna refunds cancel outstanding payments or credit your Klarna account. You'll receive email confirmation when we process the refund, then track it through your bank. Store credit refunds are instant if you prefer that option.

Yes. We accept card payments from most countries. Your card is automatically charged in GBP and your bank handles currency conversion at their standard rates.

International transactions must include the same 3D Secure V2 authentication and security standards as UK payments. Same-day processing applies regardless of your location. Some international cards may require additional verification from your bank - this is normal security procedure. Instant bank transfer currently supports UK and EU banks only, but all major international credit and debit cards work perfectly.