How payments work with EKSC LTD

Overview

EKSC LTD is the UK-registered parent legal entity for a portfolio of European retail brands. Where the group's central checkout infrastructure is used, EKSC LTD acts as the legal and payment-processing entity for the transaction, while the relevant brand, order details, pricing, currency, support path and applicable policies are shown clearly to the customer before payment is completed.

This arrangement allows the group to maintain consistent payment processing standards, documented fraud-screening controls and responsive customer support across all active brands. The customer always knows which brand they are purchasing from, what they are paying and what their rights and support routes are before any payment is confirmed.

Contracting Entity

Where EKSC LTD central checkout infrastructure processes a transaction, EKSC LTD is the contracting and payment-processing entity for that transaction. EKSC LTD issues the charge, processes the payment and is responsible for the fulfilment, refund and customer support obligations associated with that transaction.

The brand shown at checkout identifies the product range and trading identity the customer is purchasing from. The legal entity processing the payment and fulfilling the associated obligations is EKSC LTD.

This structure is transparent: the customer sees the brand they are purchasing from, the total amount payable in the applicable currency, and the EKSC LTD payment and support infrastructure that processes and supports the transaction.

Transaction Flow

The following sequence describes how a transaction works where EKSC LTD central checkout infrastructure is used:

What the Customer Sees Before Payment

Before any payment is taken through EKSC LTD checkout infrastructure, the following information is always shown clearly to the customer:

• Brand name — the brand the customer is purchasing from
• Product or service description — what is being purchased
• Total price — the full amount payable, with no hidden charges
• Currency — the applicable currency for the relevant market
• Delivery estimate — the expected dispatch and delivery timeframe
• Applicable policies — refund, return and shipping terms, accessible before payment
• Support path — how to contact support before and after purchase

No payment is taken until the customer has reviewed all relevant information and explicitly confirmed their order.

What EKSC LTD Does Not Do

For transparency, the following are clearly stated:

• EKSC LTD does not store raw card data on its own systems at any point
• EKSC LTD does not obscure the brand identity from the customer at checkout
• EKSC LTD does not charge amounts different from those shown at checkout without explicit customer authorisation
• EKSC LTD does not remove or restrict the customer's access to support, refund or complaint routes
• EKSC LTD does not process payments for brands or transactions that have not been explicitly set up within the group infrastructure

Payment Processing Standards

All payments within the EKSC group are processed through regulated, PCI DSS-compliant payment service providers. Processing standards include:

• PCI DSS-compliant processing through regulated payment service providers
• Card data tokenisation — raw card numbers handled and stored only by the payment provider
• 3D Secure authentication where supported by the customer's issuing bank
• Fraud-screening measures applied at transaction level through payment provider tools
• Transaction monitoring and review procedures across all active brands
• TLS encryption for all data transmissions

Billing Descriptor

The descriptor that appears on a customer's card statement may show:

• The brand name (e.g. Isla London, Ema Bratislava, Atelje Svetlosti)
• EKSC LTD, where the group checkout infrastructure is the processing entity
• A shortened form of either, depending on issuing bank display rules

See the Billing Descriptor FAQ for more detail.

Refunds and Customer Support

Refund and return policies are published on each brand's website and displayed at checkout. For support:

All support enquiries are acknowledged within one business day. Urgent payment queries are prioritised. Please include your order number and the brand you purchased from.

Before You Open a Dispute

Contacting us first is typically faster and less inconvenient than a formal chargeback. We can confirm order details, provide tracking evidence, issue refunds where applicable, and clarify any unrecognised charge promptly.