Payment Policy

Last Updated: February 5, 2026

At Unique Sofa Beds, we strive to make your shopping experience as seamless and secure as possible. This Payment Policy outlines the payment methods we accept, how your transactions are secured, and how we handle billing.

1. Accepted Payment Methods

We accept a variety of secure payment methods to ensure you can shop with confidence. You can pay for your order using the following:

Credit & Debit Cards:
- Visa
- MasterCard
- Maestro
- American Express
Digital Wallets:
- Apple Pay
- Google Pay
- PayPal

Note: All payments must be completed in full before your order is processed for manufacturing or dispatch.

2. Currency

All prices listed on our website are in Great British Pounds (GBP / £). If you are purchasing from outside the UK, your bank or card issuer may apply a currency conversion rate and/or foreign transaction fee, which is beyond our control.

3. Payment Security

Your security is our top priority. We use industry-standard Secure Socket Layer (SSL) encryption technology to protect your personal and financial information during checkout.

We do not store your full credit or debit card details on our servers.
All transactions are processed through a secure third-party payment gateway that complies with PCI-DSS (Payment Card Industry Data Security Standard) regulations.

4. When You Will Be Charged

Standard Orders: Payment is authorized and captured immediately at the time you place your order on our website.
Made-to-Order Items: Since many of our sofa beds are custom-made to your specifications, full payment is required upfront to begin the manufacturing process.

5. VAT (Value Added Tax)

All prices displayed on our website are inclusive of UK VAT at the standard rate of 20%.

A VAT invoice will be provided via email once your order has been confirmed.
If you are a business customer requiring a specific VAT invoice format, please contact our support team.

6. Payment Issues & Declines

If your payment is declined, please check the following:

Ensure your card details (number, expiry date, CVC) are entered correctly.
Check that your billing address matches the address registered to your payment card.
Verify that you have sufficient funds or credit available.

If you continue to experience issues, we recommend contacting your bank or trying an alternative payment method (such as PayPal). You may also contact our customer support team for assistance.

7. Fraud Prevention

To protect our customers and prevent fraud, we may occasionally require additional verification for large orders. If your order is flagged for a security check, we may contact you to confirm valid ID or proof of address before processing the shipment.

8. Financing (If Applicable)

We offer flexible payment options to help you spread the cost of your purchase. Financing options are subject to status and approval. Please see the specific terms provided at checkout for more details.