-
Payment Providers
![]()
For your information, at Bags Of Love, we use Adyen, Paypal and Klarna as payment
providers. You do not necessarily need to have or create an account with them. They are only the payment systems we use. Klarna transaction reference is alphanumeric eg 1XYZA987
Paypal Transaction numbers are currently made of
17 digits only such as 45L000000Z0000000
-
How to pay with Paypal and Klarna?
![]()
Paypal
When selecting Paypal directly in your basket you
can then select to pay with a Paypal account or "Check Out as a
Guest" to pay by card.
Klarna
Klarna is also available. They are a Swedish payment service provider who take end-to-end
responsibility for your payment. They support 35 million consumers worldwide in
over 50 000 e-stores and very safe to use.
Their Customer Service team is available to answer questions at 020 300
50 833 or 08081893333 Monday - Friday 9.00 AM - 9.00 PM & Saturday - Sunday
9.00 AM - 6.00 PM.
-
Debit/Credit Card is not working
![]()
In rare cases your payment might not process successfully. There
can be various reasons for this. Please check:
- Correct billing address => you can select a
different delivery address during checkout
- Is your card accepted on our website => logos
showing on the payment page
- Can you make purchases online => check with your bank
- You are rarely making purchases online =>
inform your bank about this purchase
What to do if your card is denied even though these elements
are correct?
- In your basket you can select either "Paypal" or "Go to secure checkout". These are two separate payment providers. Select either one of them and try again.
- If you have a Paypal Account, please use your
paypal account or a friend’s.
-
Funds were taken from your account
![]()
- Order not concluded but you still received a billing email with a transaction number:
- please contact us and
provide us with the Worldpay / Paypal /Klarna transactions number plus your pre-order
number.
- Worldpay Transaction numbers are made
of 10 numbers only such as 3371000000
- Paypal Transaction numbers are made of
17 digits only such as 45L000000Z0000000
- Klarna Transaction refs are alphanumeric such as 1XYZA987
- Any other transaction number provided by your
bank cannot be matched with our payment providers and so cannot be used to
track any payment. Please provide only Paypal, Worldpay, Klarna transaction refs.
- Order not concluded and you tried to pay several
times unsuccessfully. Your “online banking” summary page shows the funds were
taken:
- As the order is not concluded we have not
received the funds.
- Our payment provider has first authorised the
order and then refunded it straight away (for various reasons such as wrong
billing address, name not matching or even unknown reasons).
- Once a payment has been rejected by either of
our payment providers, the funds are sent back automatically. At that point they
will show as if they were taken from your “online banking” summary however they
will not show as taken in your transactions (if they do provide us with screenshots and the transaction numbers). This is normal.
- It is for your bank to process these transactions
as fast as they can. This automated process usually takes 3-5 working days on
average. We do not hold any influence over this.
- Your bank contacted you and gave you
transactions numbers:
- These are usually the bank’s own transactions
numbers and cannot be used to track a payment with either payment providers (see
further up for Worldpay and Paypal transaction number types)
- Once a payment has been rejected by either of
our payment providers, the funds are sent back automatically. The funds will
then show as if they were taken from your “online account summary” however they
will not show in your transactions as taken. This is normal.
- Some banks sometimes ask customers to contact the merchant requesting a fax which we cannot do. As mentioned above, the funds are sent back automatically.
- It is for your bank to process these transactions
as fast as they can. This automated process usually takes 3-5 working days on
average. We do not hold any influence over this.
- Order concluded after several unsuccessful attempts. Your “online banking” summary page shows the funds were taken:
- We have only received the funds once.
- Our payment provider has first authorised the payments for the order and then refunded it straight away (for various reasons such as wrong billing address, name not matching or even unknown reasons) until y our payment was finally successful.
- Once a payment has been rejected by either of our payment providers, the funds are sent back automatically. At that point they will show as if they were taken from your “online banking” summary however they will not show as taken in your transactions (if they do provide us with screenshots and the transaction numbers). This is normal.
- It is for your bank to process these transactions as fast as they can. This automated process usually takes 3-5 working days on average. We do not hold any influence over this.
-
Convert to my own currency
![]()
Our UK website www.bagsoflove.co.uk is in British Pounds £. All prices show in British Pounds on all our pages (product pages and design interfaces).
If you are based in these countries you can use our sister websites:
If you pay in a different currency due to your country, your bank will automatically convert to your currency.
You can find updated conversion rates on the internet which should roughly match the price in £ ( we do not guarantee or take responsibility over these exchanges rates)
-
Companies : zero-rating (VAT)
![]()
If you are an EU based company, you may be entitled to zero rated VAT.
- Make your creation(s) online and add to Cart
- Follow the checkout process up to the payment page. Do not pay yet.
- Add your VAT number in the designated field on this page.
- Contact us by Chat preferably or Email with the pre-order number showing on the top right of the payment page so we can check and then zero-rate your order.
- Do not pay at this point. Please wait for us to confirm and zero-rate.
- Only once this is done you can proceed to payment. If you pay before we could zero-rate your order, you cannot get the VAT refunded.
-
Bank Transfer & PO Orders
![]()
Individuals can pay by Bank transfer and companies by PO as well:
- Please make your creations online and add them into one cart.
- Follow the checkout process up to the payment page and contact us preferably by Chat or via Email with the pre-order number which will show on the top right of this page.
- We will send you a Pro-Forma Invoice for you to arrange for payment.
- Send us a payment confirmation
Good to know:
Please note that we can only proceed with the order once payment has been received.This payment method adds 1-3 working days handling time to authorise the order once confirmation has been received, and once funds have been received.
