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ZIP
To shop using Zip, you need: - To be over the age of 18 - To have a UK issued Visa or Mastercard (both debit and credit are good) - Be living in the UK - A good credit history (our automated system will review this when you sign up)
Given we are giving you access to finance, our system assesses a number of factors to work out your spending limit (primarily a Credit Check) so if you don't meet our minimum requirements you may be declined. We do this as are committed to ensuring our Customers are in a position to make their repayments on time. To learn more about your Credit Score and credit history, get in touch with TransUnion. (https://www.callcredit.co.uk/consumer-solutions/your-credit-report).
Payments are automatically scheduled to be taken fortnightly. You’ll pay 25% upfront, then 25% fortnightly for the next 6 weeks. We try to take payment during the day. If this fails, or if you'd like to make a payment earlier, you can log in to your Zip account (gttps://zip.co/uk/portal) and manually make payment. Be sure to pay before midnight to avoid a late payment fee of £4.
Yes. Our website is SSL secure and we do not store your full debit card details. All payments are handled by Payment Express, a secure PCI compliant UK based payment gateway. We only deal with your information in accordance with our privacy policy.
Klarna
WHO IS KLARNA?
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smooth payments to more than 70,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.
HOW DOES PAY LATER WORK?
Once your order's confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and only pay when you’re happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card at www.klarna.com/uk
WHY HAVE I NOT BEEN OFFERED PAY LATER?
Although Pay later is widely promoted it is not always universally available. The Pay later method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.
WHAT ARE MY PAYMENT OPTIONS WITH KLARNA?
You can pay with debit or credit card immediately in the checkout or take advantage of our Pay later payment option, where you can pay for the goods once you have received them via credit card or debit card.
WHAT HAPPENS IF I DON'T PAY FOR MY ORDER?
Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll receive email reminders to pay – and, if very late, we’ll also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.
WHAT HAPPENS TO MY STATEMENT WHEN I'VE RETURNED THE GOODS?
Once David James Kerr has received the return (partial or full) and you have received their confirmation of this, an updated statement will be sent to you by Klarna if you've made a partial return. With a full return, your statement will be closed.
I'VE RECEIVED A STATEMENT BUT I'VE NOT YET RECEIVED MY GOODS.
You have 30 days to pay, so you don’t need to pay right away. If your due date is near and there is no sign of your goods, please call David James Kerr to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.
I HAVEN'T RECEIVED AN EMAIL WITH MY STATEMENT/PAYMENT INFORMATION.
If you do not have your statement number to hand you can log in at www.klarna.com/uk , where you will find all of your orders and be able to make payments.
CLEARPAY
WHO CAN USE CLEARPAY?
To sign up with Clearpay you need to:
Be at least 18 years old
Have a valid and verifiable email address and phone number
Use a UK bank payment card - Visa or Mastercard Debit or Credit Card
Be capable of entering into a legally binding contract
Have a verifiable and valid ID
Be living in the UK (England / Wales / Scotland & Northern Ireland) No UK territories or British Forces Post Offices addresses are allowed, No Isle of Mann or Isle or Jersey or Isle of Guernsey addresses are allowed
HOW DOES CLEARPAY WORK?
We offer simple instalment plans for online shoppers, allowing a purchase to be paid for in four instalments, due every 2 weeks.
Simply shop with one of your favourite stores found in the Shop Directory and choose Clearpay as your payment method at checkout. First-time shoppers provide payment details as usual, returning shoppers simply log in to make their purchase. It’s that easy!
After you check out, the goods will be shipped to you by the merchant.
At any time, you can log in to your Clearpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically take the money from your debit or credit card every 2 weeks.
WHEN WILL MY FIRST PAYMENT BE TAKEN?
You will pay the first payment at the time you make the purchase with Clearpay.
IS CLEARPAY SAFE AND SECURE?
At Clearpay, we’re committed to protecting and respecting your privacy. We’re part of the Afterpay Touch Group, which is level 1 certified by the Payment Card Industry Data Security Standard (PCI DSS).
This is the highest level of security in the payment industry.
IS THERE A COST FOR USING CLEARPAY?
Clearpay does not charge a fee to shoppers when purchasing. The only fees applied to a shoppers account are late fees if your scheduled payments are unsuccessfully processed and, after being notified, you do not log in to your Clearpay account to make your payment via a different method.
If you have not made the payment before the due date, and the automatic payment fails, you have until 11pm the following day to make payment.
After 11pm the following day, if that payment has not been made, you will incur a late payment fee of £6 and a further late fee of £6 if the payment is not made within 7 days (as stated in our terms)
LAYBUY
CAN ANYONE USE LAYBUY?
Laybuy is available for New Zealand, Australian and UK residents who are at least 18 years old.
Before you can use Laybuy you need to provide us with your full name, residential address, email address and your mobile number for the credit check/verification.
We will also need your Visa Debit or Credit Card details so that we can deduct the amounts in connection with your purchase.
HOW DOES LAYBUY WORK?
Laybuy offers online shoppers a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks.
Laybuy performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit (see How is my Laybuy limit approved?) and you can begin shopping immediately.
The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.
Once you select Pay by Laybuy at checkout and complete your purchase, the Merchant ships any products directly to you at the delivery address you have requested.
WHEN WILL MY FIRST PAYMENT BE TAKEN?
You will always pay the first instalment at the time you place your order.
HOW MUCH DOES LAYBUY COST?
Laybuy doesn't charge you any interest or upfront fees.
If you miss a payment you will be notified immediately. A late payment fee of $10/£6 may be charged in respect of each payment you fail to make on time. Any payment default may also result in our debt collection service contacting you and/or your credit score being affected.
Contact Us
David James Kerr LTD
443 Newtownards Road
Belfast
BT4 1AQ
Northern Ireland
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© 2019 David James Kerr.