Do you charge a fee for using a credit card?

No. UK retailers haven't been allowed to add a card surcharge since 2018, and we don't add one. The price you see at checkout is the price you pay, regardless of card type.

When is my card actually charged?

For card and PayPal payments, the full amount is taken when you place the order, that's how we reserve your stock. For Pay in 3 (PayPal or Klarna), the first instalment is taken at checkout and the rest are scheduled automatically by the provider.

Will Pay in 3 affect my credit score?

No. Both PayPal Pay in 3 and Klarna Pay in 3 use a soft credit search, which doesn't leave a footprint on your credit report. There's no impact on your score for applying or being approved.

Do you offer monthly finance over a longer term?

No, we don't offer traditional finance with monthly instalments over 12 or 24 months. The longest plan we offer is Pay in 3, which spreads the cost across three monthly payments interest-free. For larger orders, a bank transfer is usually the easiest route. However we do support PayPal credit.

Can I pay by bank transfer?

Yes. Choose Bank transfer at checkout and we'll email you our IBAN with the order confirmation. We hold your stock while we wait for funds to clear — usually within a couple of hours by Faster Payment. Useful when an order is over your card's daily limit.

Refunds always go back to the original payment method. Card and PayPal refunds typically clear within 5 working days. Pay in 3 schedules are reversed and any future instalments cancelled. Bank transfer refunds go back to the account the original payment came from.

Ways to pay

Five ways to pay.
Zero surcharges.

Pay all-up-front by card or bank transfer, or split the cost over three with PayPal Pay in 3 with Klarna. We never add a fee for the privilege of paying us.

BACS

The lineup

Pick the one that suits the day.

Every method below is offered at checkout. Switch between them right up until the moment you confirm the order.

Credit or Debit card

Instant order confirmation
Verified by 3D-Secure
Commercial cards accepted

Cards are verified by 3D-Secure at checkout, same step your bank uses everywhere else online. We do not store your card information

For PayPal users

PayPal

Pay with your PayPal balance, linked card or linked bank account.

One-tap from a saved PayPal account
PayPal Buyer Protection included
No PayPal account? Pay as a guest

PayPal handles the transaction end-to-end, your card details are never shared with us.

Pay in 3 Split it over 3

PayPal Pay in 3

Split the cost into three equal payments. First today, then one a month for two months.

0% interest, no fees if paid on time
Soft credit check at checkout
Available on orders £30 – £2,000

Pay in 3 is offered by PayPal UK Ltd. Subject to status. T&Cs apply. Late payments may impact future eligibility.

Split it over 3

Klarna Pay in 3

Split the cost into three interest-free payments, one a month over three months.

Zero interest on Pay in 3
Soft credit check — no impact on score
First payment at checkout, two more later
Up to £1,000 per order

Klarna Bank AB. Eligibility checks apply. Late or missed payments may impact future eligibility.

BACS Bigger Orders

Bank transfer (BACS)

Pay direct from your bank by Faster Payment or BACS. Useful for trade and large projects. Call for more information

No card limits — handy on big orders
Order is held while we wait for funds
Pro forma can be issued on request

Funds typically clear instantly. Stock can be held while your transfer lands.

Split the cost

Three even slices.

Spread any order across three interest-free monthly payments, the first today, then one a month for the next two. Choose Pay in 3 from PayPal or Klarna at checkout.

Order total

£480

£60 £1,000

Pay in 3 · interest-free

£160.00

per payment · 3 monthly · 0% interest

£160.00

Today

£160.00

In 1 month

£160.00

In 2 months

Pay in 3 is subject to status and provider eligibility checks (soft credit search only). 18+, UK residents only. Late or missed payments may affect future eligibility. PayPal Pay in 3 is offered by PayPal UK Ltd. Klarna Pay in 3 is offered by Klarna Bank AB.

Paying safely

Locked down, front to back.

3D-Secure on every card

Every card payment is verified directly with your bank, same extra step you'd see anywhere else online. Stops fraudsters using a stolen number on our site.

Ultra-secure servers

Our checkout runs on enterprise-grade, fully encrypted servers. Card details are tokenised by our payment provider, they never sit on our systems.

Encrypted end-to-end

The padlock in your browser is the real thing. Every page on Flooring King is served over HTTPS, so nothing you type is readable by anyone in the middle.

Buyer protection built in

PayPal Buyer Protection, card chargeback rights and Section 75 (on credit cards over £100) all give you a backstop if something goes wrong.

Common questions

Payment FAQs.

Need help paying for a big order? Call our team on 0300 303 6069.

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Five ways to pay.
Zero surcharges.