Secure Payment

EZ Living Furniture use two types of universally accepted and renowned payment methods on this website, both of which offer optimum security for both the buyer and the seller. Realex Payments is one of Europe’s largest and fastest growing online payment gateways. PayPal allows any business or individual with an email address to securely, conveniently and cost-effectively send and receive payments online.

Realex Security Statement

Inherent to Realex Payments operations and business approach is the need to provide a secure, robust and reliable payment processing service. Information security is our top priority and one of our company values. To this end we have invested in extensive security controls and infrastructure and we’re constantly updating and improving our online payment systems to ensure that your money always gets where it needs to go, safely and securely.

Realex Payments are a highly trusted online payment card processor who employs a team of full time information security staff who are seen as experts in their industry.

Realex Payments are certified and approved by several leading financial institutions. A full list of all financial institutions that Realex Payments work with can be viewed here. Our systems and security controls are based on current industry standards and our staff continually research changes in the industry to ensure our controls are updated when required. There are several layers of technology in place to ensure the confidentiality, authentication and integrity of information.

Realex Payments have been accredited with the Account Information Security (AIS) certification by VISA and are one of a small amount of companies inEuropeto achieve this. This shows our commitment to above industry standard in every aspect of payment processing.

The Payment Card Industry Data Security Standard (“PCI DSS”) was established in 2004 as an industry-wide set of requirements and processes to help ensure that cardholders can make purchases confident in the knowledge that their credit card information will be protected from fraudsters.

Realex Payments are compliant with PCI DSS Level 1, the highest level of PCI compliance, and Realex Payments were one of the first service providers inEuropeto achieve this Level 1 certification in October 2004. Realex Payments appeared on the VISA website as a case study on implementing the PCI DSS. To view our latest PCI-DSS certificate, please visit their website.

Information is sent to Realex Payments from businesses via the internet and we connect to financial institutions with whom we are fully certified and approved.

All information that is transmitted to Realex Payments over the internet is protected using SSL to ensure confidentiality. In addition to this confidentiality control all messages sent to and from our services are authenticated using digitally signed digests.

All requests are verified against a legal list of IP address and referring URLs.

Our technical infrastructure is located in secure co-location facilities that have 24x7 manned security and advanced building management systems along with environmental controls.

Critical servers and applications are monitored constantly to pre-defined threshold levels and Realex Payments staff is instantly alerted via our real time monitoring and alerting service.

All connections to the financial institutions are over private dedicated leased circuits, backed up with ISDN lines and in certain cases VPN connections over the internet.

The network is designed to be highly resilient with duplicate and triplicate systems in place depending on the critical nature of each component.

Cardholder information is encrypted and hashed when stored on Realex Payments systems and will not be displayed in our reporting systems.

Realex Payments perform regular tests and employ external auditors to test our security standards. All their employees comply with our strict internal security policy and attend training as part of our induction programme and regularly thereafter.

Paypal

 

Buyer Protection

If an eligible item that you’ve bought online doesn’t arrive, or doesn’t match the seller’s description, our Buyer Protection will reimburse you for the full amount of the item plus postage and packaging costs. Buyer Protection covers all your online purchases, on eBay or on any other website, when you use PayPal.

For more information, see Paypal’s User Agreement



Examples

You bought a book but got a DVD, you bought a new item but got something that was used, you purchased 3 items but only got 2, the item was damaged in transit, the item is missing major parts (that the seller didn’t disclose), or you purchased an authentic brand but got a knock-off instead. Tell us.

Guidelines

If the seller has accurately described an item, but you’re just not happy with it, if you fail to open a dispute within 180 days of purchase, or if your account is not in good standing, you are mostly likely not covered.

Items Not Covered

Items like real estate, motorised vehicles (of any kind), custom-made items, industrial machinery (for manufacturing), prepaid cards, or items that violate our policies or eBay’s policies, anything you buy in person, or money transfers to friends or family.

Account Protection

You’re not liable for unauthorised purchases made from your account.

Refunds

If an order doesn’t arrive or match the description, we’ll reimburse the full cost of eligible purchases and paid delivery costs.

Responsive Support

We're here to help. Get support with suspicious activity, identity theft or phishing. Report your suspicions to us directly.

 

 

Seller Protection

If you are sent an unauthorised payment – for example, from a hacked account – or a buyer claims they didn't receive their item, our Seller Protection policy covers you for the full amount of the payment on eligible sales.

For more information, see Paypal’s User Agreement

Protected Sales

Tangible items that are sold and sent with proof of delivery from within theUKto buyers worldwide. Be upfront about all the details of the item, specifically defects, condition and abnormalities. Also supply an accurate delivery estimate.

Proof of Delivery

To be eligible for Seller Protection, we require two types of evidence for protection eligibility. A digital or physical proof that the item was sent by the seller, and proof that the item was delivered by the delivery company.

Items Not Covered

Items that don't match your description, intangible items like services or digital goods, items that violate our policies or eBay's policies, and items you sell or deliver in person. None of these items are covered.

Reassuring Buyers

Become a verified seller to help give buyers additional peace of mind and attract more customers.

Resolution Support

Paypal provide full support to help resolve any buyer disputes or fraudulent payments. You must respond to our requests for information as outlined in our communications to you. You send the item to the delivery address listed on the PayPal Transaction Details page. If you’re not selling on eBay, make sure the transaction is marked as 'eligible' for Seller Protection.