How you pay
Ordering & payment
We do not accept card payments. Payment is made directly from your bank to ours, by one of two routes. Both are explained here in full before you reach checkout.
Bank to bank
Why there are no cards
Card processors do not serve this category. That is a policy position taken by the card networks and the platforms built on them, not a reflection of the business or the material. Rather than work around it, we take payment the way the category is actually served: bank to bank.
Two consequences worth knowing. Costs are lower, because there is no acquirer taking a percentage. And we hold no card data at all, because none is ever entered.
No cards, no processor
The two routes
Payment moves directly from your bank to ours — pick whichever route suits you.
Route A · recommended
Pay by Bank
You approve the payment inside your own banking app. Money moves in seconds and your order is confirmed straight away.
- Choose Pay by Bank at checkout and place your order.
- Pick your bank and approve the payment in your banking app.
- You return to your order page. It confirms once the payment has landed.
Stock is held for 30 minutes while you complete this.
Route B
Manual bank transfer
You send the payment yourself from your own banking app, quoting a reference we give you. Nothing sits between your bank and ours.
- Choose bank transfer at checkout and place your order.
- You land on your order page. Our bank details and your reference appear there, and only there.
- Make the transfer from your bank, quoting the reference exactly.
- We confirm by email as soon as the payment arrives — usually within a few hours, sometimes the next working day.
Stock is held for up to four days while the transfer arrives.
Fraud protection
Our bank details never change
We will never send our bank details by email, text or message, and they never change.
They appear on your order page and nowhere else. If you receive payment details from us by any other route, they are not from us — do not pay them, and contact us instead.
Edge cases
If something goes wrong
The situations that come up with bank transfers, and what happens in each.
You forgot the reference, or mistyped it
Most single-character mistakes are resolved automatically. If yours is not, the payment waits with us rather than bouncing, and we match it by hand — usually the same working day. Contact us with the amount and the date and it will be quicker.
You paid the wrong amount
Nothing is cancelled automatically. We contact you and agree what to do: send the difference, refund it, or hold it against the order.
You paid from a different account
Common and not a problem — joint accounts, a partner’s account, a business account. Checkout asks what name the payment will come from so we can match it without needing to ask you.
Your payment arrived after the hold expired
We never cancel or refund automatically in this case. A person looks at it and contacts you, because the stock may have moved on.
After the sale
Refunds
Because these are bank transfers rather than card payments, there is no chargeback mechanism in either direction. A refund is a fresh transfer from us back to you, approved by a person before it is sent.
That cuts both ways, and we would rather say so plainly: you have less automatic recourse than a card would give you. See our returns policy for what we commit to instead.
United Kingdom only
Delivery and charges
United Kingdom only. Flat-rate delivery of £4.95 on every order, by Royal Mail, tracked. Orders paid before 13:00 on a working day are dispatched the same day.