Payment Policy
Novelle Living Payment Policy
Last updated: August 29, 2026
This Payment Policy explains how payments are processed when you place an order through the Novelle Living website.
By placing an order with Novelle Living, you agree to the payment terms described below.
Novelle Living is a trade name of Outlight Systems, registered in the Netherlands. Full business and contact information is provided at the end of this policy.
1. Accepted Payment Methods
Novelle Living accepts the payment methods displayed during checkout.
Depending on your location, device, browser, order value, and the payment options available at the time of purchase, these may include:
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Visa
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Mastercard
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American Express
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PayPal
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Apple Pay
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Google Pay
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Klarna or other pay-later services, where available
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Other secure payment methods displayed during checkout
Not every payment method is available for every customer or order.
The payment options shown during checkout are the payment methods currently available for your purchase.
2. Currency
For customers shopping in the United States, prices on the Novelle Living website are generally displayed in United States Dollars (USD / $).
The applicable currency will be clearly shown on the product page, cart, and checkout.
The final amount payable, including any applicable sales tax, shipping charges, or other charges collected by us, will be displayed before you complete your order.
If your bank account or payment method is denominated in another currency, your bank or payment provider may apply:
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Currency conversion;
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Exchange-rate adjustments; or
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Foreign transaction fees.
These charges are determined by your bank or payment provider and are not controlled by Novelle Living.
3. Payment Timing
Payment is required when you place your order unless a pay-later or alternative payment method available at checkout states otherwise.
Your order will not normally enter processing or fulfillment until payment has been successfully authorized.
After successfully placing your order, you should receive an order confirmation at the email address provided during checkout.
An order confirmation confirms that we have received your order. It does not necessarily mean that your order has been finally accepted if payment verification, fraud screening, inventory issues, pricing errors, or another legitimate issue subsequently prevents fulfillment.
4. Secure Payment Processing
Payments made through Novelle Living are processed using secure third-party payment providers.
Novelle Living does not store your complete credit or debit card details on its own servers.
Payment information is transmitted and processed using the security measures provided by our payment and e-commerce infrastructure.
Our website uses HTTPS/TLS encryption to help protect information transmitted between your browser and the website.
Please never send:
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Full credit or debit card numbers;
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Card security codes;
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Bank login credentials; or
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Other sensitive payment information
to Novelle Living by email or through our contact form.
5. Payment Authorization
When you submit an order, your bank, card issuer, digital wallet, or payment provider may first authorize the transaction before the payment is fully settled.
If payment authorization is unsuccessful, your order may not be accepted or processed.
Common reasons for payment failure may include:
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Incorrect card details;
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Incorrect billing information;
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Insufficient funds;
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An expired card;
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A bank or card issuer decline;
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Security or fraud-prevention checks;
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Failed identity or authentication checks;
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Payment-provider technical issues;
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Restrictions placed on the payment method by the issuing bank.
Novelle Living does not control payment approval decisions made by banks, card issuers, or third-party payment providers.
6. Failed or Declined Payments
If your payment fails or is declined, please first verify that the information entered during checkout is correct.
You may also wish to:
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Try the payment again;
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Use another available payment method; or
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Contact your bank, card issuer, PayPal, Klarna, or other payment provider.
If you continue to experience difficulties completing a Novelle Living order, you may contact us at:
For your security, please do not send sensitive payment credentials by email.
7. Payment Verification and Fraud Prevention
To help protect Novelle Living and our customers from fraud and unauthorized transactions, some orders may be subject to additional verification.
We may temporarily hold, cancel, or refuse an order where reasonably necessary if:
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Payment cannot be successfully verified;
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Billing or shipping information appears incorrect or incomplete;
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A payment provider flags the transaction for review;
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The transaction appears unauthorized, fraudulent, or suspicious;
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Additional information reasonably required to verify the order cannot be obtained.
Where appropriate, we may contact you using the information provided during checkout.
If an order is canceled after payment has already been successfully captured, any applicable refund will be issued to the original payment method.
Nothing in this section is intended to limit any rights available to you under applicable United States federal, state, or local law.
8. Sales Tax
Orders placed through Novelle Living may be subject to applicable state and local sales taxes.
Whether sales tax is collected, and the amount collected, may depend on factors such as:
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Your shipping destination;
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The applicable state and local tax rates;
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The type of product purchased;
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The order value;
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Applicable tax exemptions; and
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Our tax collection obligations in the relevant jurisdiction.
Where Novelle Living is required to collect sales tax, the applicable amount will be calculated and displayed during checkout before you complete your purchase.
Sales tax requirements and rates may vary by state and locality.
The final amount displayed at checkout is the amount you authorize for payment, subject to any separate charges imposed directly by your bank, card issuer, or payment provider.
9. Customs Duties, Import Taxes, and Other Charges
Novelle Living works with different fulfillment partners, and certain products may be shipped from locations outside the United States.
Depending on the shipment origin, product type, country of origin, destination, order value, applicable tariff rules, and other customs requirements, an international shipment entering the United States may be subject to:
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Customs duties;
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Import taxes;
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Tariffs;
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Customs processing fees;
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Carrier handling or brokerage fees; or
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Other charges imposed in connection with importation.
Where applicable charges are collected by Novelle Living during checkout, they will be included in or clearly reflected in the amount shown before you complete your purchase.
In some circumstances, duties, taxes, tariffs, processing fees, or carrier charges that are not collected by Novelle Living at checkout may become payable in connection with importation or delivery.
Customs requirements and charges can change and may depend on the specific product, country of origin, shipment method, and applicable law.
For additional information about fulfillment, shipping, and delivery, please refer to our Shipping Policy.
10. Refunds
Approved refunds are returned to the original payment method used to place the order.
Novelle Living cannot redirect a refund to another:
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Credit or debit card;
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Bank account;
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PayPal account;
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Digital wallet; or
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Alternative payment method.
Refund eligibility and processing are subject to our Return & Refund Policy and any mandatory rights available under applicable law.
Once Novelle Living has issued a refund, your bank, card issuer, PayPal, Klarna, digital wallet, or other payment provider may require additional processing time before the funds become visible in your account.
The exact processing time is determined by the payment provider and is outside Novelle Living's direct control.
11. Pay-Later and Installment Payments
If Klarna or another pay-later or installment service is available during checkout, use of that service is subject to the provider's own terms and conditions.
The provider may independently determine:
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Customer eligibility;
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Credit or identity checks;
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Payment schedules;
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Installment amounts;
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Applicable fees;
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Approval or rejection of the payment method.
Novelle Living does not control approval decisions made by these providers.
If an order paid through a pay-later provider is refunded, the refund will normally be processed through that same provider.
The provider may then adjust, cancel, or refund any remaining payment schedule according to its own procedures.
12. Pricing Errors
Novelle Living makes reasonable efforts to ensure that product prices and other pricing information shown on the website are accurate.
However, obvious technical, typographical, or pricing errors may occasionally occur.
If a product is listed at an obviously incorrect price, we may cancel the affected order before it has been finally accepted or fulfilled, where permitted by applicable law.
If payment has already been taken for an order that we cancel because of a pricing error, we will issue a full refund to the original payment method.
Where reasonably possible, we will notify you if your order is affected by a pricing error.
Nothing in this section is intended to limit any mandatory rights available under applicable United States federal, state, or local law.
13. Duplicate or Pending Charges
In some cases, your bank or card issuer may temporarily display a payment as:
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Pending;
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Authorized;
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Duplicated; or
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Processing.
A temporary authorization does not necessarily mean that you have been charged twice.
If you believe you have been incorrectly charged more than once for the same Novelle Living order, please contact us with your order number.
Do not send full card details or other sensitive payment credentials.
We will review the relevant order information and assist where possible.
14. Chargebacks and Payment Disputes
If you have a concern regarding:
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Your Novelle Living order;
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A payment;
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Shipping or delivery;
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A refund;
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A damaged or incorrect product; or
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Another transaction-related issue,
we encourage you to contact us first at:
Our customer support team will make reasonable efforts to help resolve the issue.
Contacting us first may allow the matter to be resolved more quickly.
However, nothing in this policy limits any legitimate rights you may have to contact your bank, credit card issuer, digital wallet, payment provider, or other financial institution regarding a billing error, unauthorized transaction, chargeback, or payment dispute.
Any dispute or chargeback rights available through your financial institution are subject to the applicable payment-provider rules and federal or state law.
15. Unauthorized Transactions
If you believe your payment method has been used without your permission to place an order with Novelle Living, please contact your bank, card issuer, or payment provider immediately.
You may also contact us at:
Please provide any relevant order information you have, but do not send sensitive banking information, complete card numbers, card security codes, or login credentials.
We may take reasonable steps to investigate or cancel an order where unauthorized activity is suspected and the order has not yet been fulfilled.
Nothing in this policy limits any protections or dispute rights you may have through your bank, card issuer, payment provider, or applicable law.
16. Changes to This Payment Policy
Novelle Living may update this Payment Policy from time to time to reflect changes in:
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Available payment methods;
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Payment providers;
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Our checkout systems;
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Business operations;
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Tax or customs requirements;
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Legal requirements; or
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Security practices.
When this policy is updated, the “Last updated” date at the top of the page will be revised.
17. Who We Are
Novelle Living is a trade name of Outlight Systems, registered in the Netherlands.
Brand Name:
Novelle Living
Legal Company:
Outlight Systems
Registered Office:
Hendrik Soeteboomstraat 4
1035 NX Amsterdam
The Netherlands
Chamber of Commerce Number (KvK):
42045311
VAT Number:
NL869455904B01
Phone:
+31 6 51691724
Contact Email:
support@novelleliving.com
18. Contact Us
For payment-related questions, failed payments, refunds, duplicate charges, or order concerns, please contact us:
Email:
support@novelleliving.com
Mailing Address:
Novelle Living
c/o Outlight Systems
Hendrik Soeteboomstraat 4
1035 NX Amsterdam
The Netherlands
Phone:
+31 6 51691724
Customer Service Hours:
Monday–Friday: 9:00 AM–5:00 PM CET/CEST
Saturday–Sunday: 9:00 AM–1:00 PM CET/CEST
Average Response Time:
We aim to respond within 24 hours on business days.
For order-related questions, please include your order number so we can assist you as efficiently as possible.