Payment Options – Our Online StoreYou can pay in the way that suits you best — securely, transparently and with full UK consumer protection. Whether you choose to pay in full today or spread the cost using interest-free instalments, all payment options are clearly explained before you confirm your order.
Accepted Payment Methods
- Visa, Mastercard, American Express and Maestro — fast, secure card payments with no additional fees
- PayPal — pay using your PayPal balance, linked card or bank account with PayPal Buyer Protection
- Apple Pay and Google Pay — quick, one-tap checkout on supported devices
- Klarna – Pay in 3 — split the cost into three equal interest-free payments (subject to approval)
- Bank Transfer — suitable for larger purchases; full instructions provided at checkout
- FlexiPay 0% — our own in-house interest-free instalment option
FlexiPay 0% – Interest-Free Instalments
FlexiPay 0% allows you to spread the cost of a new or refurbished unlocked phone over 12, 24 or up to 36 months at a genuine 0% APR during the promotional period. There are no third-party lenders involved.
- No upfront payment required
- First instalment is taken only after delivery and your approval
- Fixed monthly payments with no interest during the promotional term
- Early repayment available at any time with no penalties
- Managed directly by our UK-based team
Full terms, representative examples and eligibility criteria are available on our dedicated FlexiPay 0% page.
Klarna – Pay in 3
When available, Klarna Pay in 3 lets you divide your purchase into three equal payments taken every 30 days. There is no interest or fee when payments are made on time. Approval is handled by Klarna and is subject to their checks.
PayPal Pay in 3 (where available)
On eligible orders, PayPal may also offer its own Pay in 3 option. This is selected directly within the PayPal checkout flow and is provided by PayPal under their terms.
Payment Security
Your payment security is our priority. All transactions are protected using industry-standard security measures:
- 256-bit SSL encryption across the entire checkout
- Full PCI-DSS compliance
- Card details are never stored on our servers
- Payments are processed by trusted providers including Stripe, PayPal and Klarna
Payment Fees
We do not apply any surcharges for card payments, PayPal, Apple Pay, Google Pay or Klarna. The price shown at checkout is the total you pay. Any bank transfer handling fee (where applicable) is clearly displayed before you confirm your order.
When Payment Is Taken
- Card, PayPal, Apple Pay, Google Pay and Klarna — authorisation occurs at checkout; funds are captured only when your order is dispatched
- FlexiPay 0% — first payment is taken only after delivery and your confirmation
- Bank Transfer — orders are processed once cleared funds are received
Using Multiple Payment Methods
At present, each order must be completed using a single payment method. However, PayPal balances and gift cards can be used alongside eligible card payments.
Need Help With Payment?
Our UK-based support team is available seven days a week to assist with payment-related questions, including FlexiPay 0%, Klarna eligibility and checkout issues.
Buying an unlocked phone online is simple and secure — choose the payment option that works best for you.
All finance options are subject to status. FlexiPay 0% is provided directly by Phone-UK Limited. Klarna Pay in 3 and PayPal Pay in 3 are regulated UK credit products. Terms and conditions apply.
Payment Methods – Frequently Asked Questions
What payment methods do you accept?
We accept Visa, Mastercard, American Express, Maestro, Apple Pay, Google Pay, PayPal, Klarna Pay in 3, bank transfer and FlexiPay 0%.
Do you charge extra for paying by card?
No. We do not add any card or payment processing fees.
Is FlexiPay 0% genuinely interest-free?
Yes. During the promotional period, the APR is 0% with no arrangement or administration fees.
When is the first FlexiPay payment taken?
Only after your phone has been delivered and you confirm that you are happy to keep it.
Is my payment information secure?
Yes. All payments are encrypted and processed by PCI-compliant payment providers. We never store card details.
Can I pay by bank transfer?
Yes. Bank transfer details are provided at checkout, and orders are dispatched once payment clears.
Do you accept American Express?
Yes, American Express is accepted with no additional charges.
Can I change my payment method after ordering?
Yes, provided your order has not yet been dispatched. Please contact support as soon as possible.
Do you offer finance on refurbished phones?
Yes. FlexiPay 0% and Klarna Pay in 3 are available on most new and refurbished unlocked devices.
Will FlexiPay affect my credit score?
A soft credit check is carried out which does not affect your score. Missed payments may be reported in line with UK credit regulations.
Can I repay FlexiPay early?
Yes. You can settle the balance at any time without penalty.
Do you accept international cards?
Yes. Visa, Mastercard and American Express issued outside the UK are accepted. Transactions are processed in £.
Still have a payment question?
Our support team is available seven days a week via live chat or email at support@phone-uk.com.
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