Payment Policy

Last Updated: December 7, 2025

Thank you for shopping with DESKO, operated by JOROOMOC PRO LLC. We strive to provide a secure, transparent, and seamless payment experience for all customers across the United Kingdom. This Payment Policy explains the payment methods we accept, how payments are processed, security standards, fraud prevention, billing terms, and other important financial guidelines.

By completing a purchase on our website, you agree to the terms outlined in this Payment Policy.

1. Accepted Payment Methods

To ensure convenience and accessibility, DESKO accepts a wide selection of trusted local and international payment methods.

Credit & Debit Cards

We accept all major card networks:

• Visa
• Mastercard
• American Express
• Discover
• Diners Club
• UnionPay
• Elo
• JCB

Digital Wallets

• Apple Pay
• Google Pay
• Shop Pay

These allow for fast, contactless, and secure checkout with stored credentials.

Online Payment Providers

• PayPal

PayPal provides buyer protection and flexible funding options, including connected bank accounts and cards.

2. Payment Currency

All payments on DESKO are processed exclusively in:

GBP (£)— British Pounds Sterling

Customers outside the UK may still place orders, but their bank may convert the currency at its own exchange rate.

Any international transaction or conversion fees are set by the customer’s bank and are not controlled by DESKO.

3. When You Are Charged

A. Immediate Payment Capture

Full payment is captured immediately once you place your order. This ensures fast processing, packaging, and shipment.

B. Failed Payments

If a payment fails at checkout, the order will not be created.
Reasons may include:

• Insufficient balance
• Incorrect card details
• Security hold by the bank
• Expired card
• Incorrect billing address

DESKO does not have control over bank declines.

4. Billing Address & Verification

Your billing address must match the address registered with your payment method.
If your payment is flagged for verification, we may request:

• Photo ID
• Matching a billing document
• Payment confirmation screenshot

This is done strictly for fraud prevention and customer safety.

5. Payment Security & Data Protection

DESKO uses industry-leading security measures to protect payment data.

SSL Encryption

Our website uses 256-bit Secure Socket Layer (SSL) technology to encrypt all transactions.

PCI-DSS Compliance

All payment processors we partner with are PCI-DSS Level 1 certified, ensuring:

• Encrypted storage
• Secure transmission of financial data
• Continuous system scanning
• Fraud monitoring tools

No Sensitive Card Storage

DESKO never stores credit card numbers or security codes on our servers.
Your payment information is handled entirely by secure third-party processors.

6. Fraud Prevention Measures

To protect our customers and business from fraudulent activity, DESKO may:

• Monitor accounts for suspicious behavior.
• Flag unusually large or high-risk transactions
• Limit order quantities
• Temporarily hold orders for manual review
• Cancel transactions that fail verification

If your order is held for verification, our team will contact you promptly.

7. Taxes, VAT & Additional Fees

UK VAT Included

All DESKO product prices include UK Value Added Tax (VAT).

No Hidden Charges

We do not add hidden service or checkout fees.

Bank Fees

Your bank may charge:

• Conversion fees
• International transaction fees
• Electronic payment fees

These are outside of DESKO’s control.

8. Payment Confirmation

Once your payment is successfully processed:

• You will receive an order confirmation email
  
• Your order number will be generated
  
• Your order will enter the processing queue
  

If you do not receive confirmation within 30 minutes, please check your spam folder or contact support.

9. Payment Declines or Errors

If your payment is declined:

1. Verify your card details
2. Contact your bank to release any security holds
3. Try a different payment method
4. Contact DESKO support

We cannot override or bypass bank-level declines.

10. Refund Method

Refunds approved under our Return & Refund Policy will be issued to the same payment method used during checkout.

Refund Timeline

• DESKO processing: 7 business days (Monday to Sunday)

Refund speed depends entirely on your financial institution.

We cannot redirect refunds to different accounts, cards, or wallets for security reasons.

11. Payment Disputes & Chargebacks

We strongly encourage customers to contact DESKO first before filing a chargeback, as most issues can be resolved quickly.

If a chargeback is filed:

• We will provide evidence to the payment processor
• Investigations may take several weeks
• Accounts involved in fraudulent chargebacks may be restricted

Chargebacks filed under false claims may result in legal or account action.

12. Secure Checkout Environment

Our checkout uses multiple layers of protection:

• Tokenization of card numbers
• 3D Secure / Verified by Visa checks (when applicable)
• Risk assessment algorithms
• Fraud scoring systems

These ensure a safe purchasing experience.

13. Customer Responsibilities

Customers are responsible for:

• Providing accurate billing and payment information
• Ensuring sufficient funds or credit availability
• Checking for duplicate or accidental orders
• Adhering to any return deadlines
• Contacting their bank for payment approval issues

Any unauthorized use of a payment method must be reported immediately to your bank.

14. DESKO Responsibilities

DESKO is responsible for:

• Displaying accurate product pricing
• Ensuring secure and encrypted checkout
• Processing payments promptly
• Maintaining PCI-compliant payment partners
• Assisting with payment-related questions
• Providing receipts and invoices

We always aim to deliver a transparent and trustworthy payment experience.

15. Invoice & Billing Documentation

Customers automatically receive an invoice via email.
Upon request, we can provide:

• Duplicate invoices
• Tax-inclusive receipts
• Business invoice statements
• Order breakdown details

Contact support@desko.co for billing assistance.

16. Currency Conversion Disclaimer

If your bank account is not GBP (£):

• Your bank will convert the currency at its own exchange rate
• DESKO has no influence over conversion rates
• Banks may charge a conversion or foreign transaction fee

Customers should check these fees before placing an order.

17. Buy Now, Pay Later Notice

DESKO currently does not support BNPL methods such as:

• Klarna
• Afterpay
• Affirm
• Clearpay

If we add BNPL options in the future, this policy will be updated immediately.

18. Subscription Payments

While DESKO does not currently offer subscription-based products:

If added, subscription terms will include:

• Auto-renewal details
• Cancellation rules
• Recurring payment authorization

These will be disclosed clearly before customers subscribe.

19. Stolen or Unauthorized Payment Use

If a customer believes their payment method was used without authorization:

• Contact your bank immediately
• Request a payment reversal
• Notify DESKO so we can block or monitor the account

DESKO will cooperate with financial institutions during investigations.

20. Business Information

DESKO is a brand operated by the company JOROOMOC PRO LLC

Registered Company Name: JOROOMOC PRO LLC

EIN Number: 37-2187240

Registered Address: 2105 Vista Oeste NW, Suite E #3154, Albuquerque, NM 87120, United States.

Email: support@desko.co 

Phone: +1 (251) 551 7392

Business Hours: 8:00 AM–8:00 PM (Monday to Sunday), (GMT+00:00) Greenwich Mean Time (London).

21. Policy Updates

DESKO may update this Payment Policy to reflect:

• New payment partnerships
• Regulatory changes
• Enhanced security standards
• Operational updates

Any modifications will be posted on this page with a revised date.
Continued use of our website constitutes acceptance of the updated terms.