3D SecureConfirmed by your bank
Payment methods
Secure payment, worthy of every jewel.
See which methods are available for your address, how each payment is confirmed and when your order is prepared for dispatch.
Secure connectionSSL encryption
Klarna and ScalapayInterest-free instalments
Methods for delivery in Portugal
Methods depend on the delivery country: checkout always shows the ones that apply to your address.
Available methods
How you can pay for your order.
Payment is made at the final step of checkout and is required to confirm your order. Your order is prepared for dispatch once payment is confirmed.
Pay in full
The full amount is paid in a single payment.
Visa or Mastercard
Pay by card in a secure payment environment.
- Your bank may ask for 3D Secure confirmation: an SMS code or approval in your banking app
- We never store your card details
- Debit or credit cards
Multibanco reference
Receive the entity, reference and amount, then pay at a Multibanco ATM or through online banking.
- Details on the confirmation page and by email
- Pay within 48 hours of the reference being generated; otherwise the order is cancelled automatically
MB WAY
The payment request goes to the MB WAY app on the mobile number given in your order.
- Approve the request in the app within 5 minutes
- For orders up to €2,000
- If it expires, customer care can send a new request or a Multibanco reference
Apple Pay and Google Pay
Express payment at the top of checkout, on compatible devices.
- Apple Pay: iPhone, iPad or Mac with Safari
- Google Pay: Android or Chrome
- Confirm with Face ID, Touch ID, fingerprint or device passcode
Pay in instalments
The provider you choose assesses and approves the application. Once it is approved, your order is dispatched without waiting for the final instalment.
Klarna
Split the payment into 3 interest-free instalments (0% APRC).
- Purchase amount
€35 to €1,000 - Instalment schedule
1st at purchase; the other two every 30 days, on your chosen card - Approval
By Klarna; you may be asked to create an account or confirm your identity
Scalapay
Split the payment into 3 or 4 interest-free instalments.
- Purchase amount
€5 to €4,999.99 - Instalment schedule
1st at purchase; the rest monthly - Approval
By Scalapay
seQura
Split the payment into 3, 6, 9 or 12 monthly instalments, with the option to pay early, in full or in part.
- Purchase amount
€50 to €3,000 (above that, the difference is paid with the first instalment) - Approval
By seQura, with your Portuguese tax number (NIF), mobile number and card - seQura shows the terms of each plan, including the APRC where there are costs, before you confirm
Compare instalments
Instalment options, side by side.
| Term | Klarna | Scalapay | seQura |
|---|---|---|---|
| Instalments | 3 | 3 or 4 | 3, 6, 9 or 12 |
| Interest | Interest-free (0% APRC) | Interest-free | Depends on the plan: seQura shows the terms and APRC before you confirm |
| Purchase amount | €35 to €1,000 | €5 to €4,999.99 | €50 to €3,000 (above that, the difference is paid with the first instalment) |
| Instalment schedule | 1st at purchase; the other two every 30 days, on your chosen card | 1st at purchase; the rest monthly | Shown by seQura before you confirm |
| Approval | By Klarna; you may be asked to create an account or confirm your identity | By Scalapay | By seQura, with your Portuguese tax number (NIF), mobile number and card |
| Learn more | klarna.com (opens in a new window) | scalapay.com (opens in a new window) | sequra.com (opens in a new window) |
seQura: lender SVEA Bank AB; credit intermediary Lendismart Unipessoal Lda (Banco de Portugal registration no. 0006212).
Security
Your details, protected with every payment.
3D Secure confirmation
For card payments, your bank may ask you to confirm with an SMS code or approval in its app.
Encrypted connection
The site uses an encrypted (SSL) connection. Loja do Ouro never stores or shares card details.
Instalments approved by the providers
Instalment applications are assessed and approved by the providers on their platforms. We have no access to the bank details used in those applications.
Frequently asked questions
Questions about payment.
Open each question for a clear answer, before or after placing your order.
01When is payment confirmed, and how long is my order reserved?
Online payments can take up to 24 hours to be confirmed, so your order is reserved for 48 hours.
If payment is not completed within that time, the order is cancelled automatically.
02My MB WAY request has expired. What now?
The request must be approved in the MB WAY app within 5 minutes. If it expires, contact customer care: we can send a new request or a Multibanco reference.
MB WAY is available for orders up to €2,000.
03How do I pay a Multibanco reference?
When you choose Multibanco at checkout, you receive the entity, reference and amount on the confirmation page and by email. Pay at a Multibanco ATM or through online banking.
Orders not paid within 48 hours of the reference being generated are cancelled automatically.
04My card was declined. What can I do?
Check that you have completed the 3D Secure verification requested by your bank. If payment still fails, contact your bank.
You can also choose another method available at checkout.
05Will I receive my order before paying every instalment?
Yes. Your order is dispatched once the provider approves the application: there is no need to wait for the final instalment.
06Do you store my card details?
No. Loja do Ouro never stores or shares card details. Payment takes place in a secure payment environment over an encrypted (SSL) connection.
Instalment applications are assessed and approved by the providers on their platforms. We have no access to the bank details used in those applications.
07When will my order be dispatched?
Your order is prepared for dispatch once payment is confirmed. See delivery times and rates in Shipping and delivery.
08Why can’t I see a method at checkout?
Methods depend on the delivery country: checkout always shows the ones that apply to your address.
Apple Pay and Google Pay only appear on compatible devices.
Some methods also have amount limits, shown for each one on this page.
Need help with a payment?
Speak to our team about a payment method, a payment awaiting confirmation or an order already placed.
