Klarna is a Swedish bank and payment service provider for over 100,000 online stores. Over 60 million worldwide customers have trusted Klarna to securely handle their payments.  They offer different payment options but you must be a member first.

To understand more about their system and payment options visit their site directly here.

Paypal is a secure payment system that you enrol for that can works over multiple sites. It can offer a faster checkout experience as it holds your payment details and your billing address. 173 million people use PayPal to shop on millions of sites worldwide, in 202 countries and with 21 different currencies.

Payment information is processed securely by PayPal. No card details are transferred to or held by Unicycle.com. All transactions take place via secured connections.

To take advantage of all the features that PayPal offers, yes. Although you can use it as a guest, and it offers you a payment terminal. This can offer you some advantages over using the standard Stripe payment system on our site, it has a wider range of accepted card types.

As someone using our shop, no.

In the shopping basket you will see a button for PayPal and Paypal Credit – these buttons at this point in the checkout system are called PayPal Express buttons. This allows you to pay for the goods in advance of going through the checkout procedure. The advantages here is that it auto fills your address and phone numbers and can be faster. The disadvantage is that you bypass our checkout with it’s extra options like blank packaging, send delivery note only and customer comments.

As soon as your order is accepted for cancellation and we have received the returned goods Unicycle.com will instigate a refund through paypal. Payments typically take 5 working days.

PayPal Credit is like a credit card, without the plastic. It’s a credit limit that’s attached to your PayPal account which you can use to spread the cost of your online purchases. There is no annual fee for a PayPal Credit account.

Every time you spend £99.00 or more, either in one transaction or on your checkout basket total, you can enjoy 0% interest for 4 months. This means that you won’t pay any interest on your balance for 4 months. You still have to make the minimum repayment on your balance each month.

You can choose to spread the cost for longer using instalment offers with PayPal Credit. This finance option is available at selected online stores and enables you to spread the cost over 6 to 24 months at promotional interest rates lower than PayPal Credit’s standard rate of interest. You have to make the agreed repayment amount each month until your balance is paid off.

The application form takes minutes to complete. We'll then run a credit check and if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your credit agreement.

Log into your online account and click on PayPal Credit in the Summary tab. This will take you to your Credit account summary page which will show things like, minimum payment due and available credit. You will be able to do a number of things like make a payment or apply to change your credit limit.

Log into your online account and click on PayPal Credit in the Summary tab. This will take you to your Credit account summary page. You can view your transactions in the Transaction section. For older transactions or to view your statements, click on the For older transactions, view statements link.

Apple Pay is a digital wallet and online payment system developed by Apple. It allows the user to pay for goods either by ear-field communications (NFC) technology to enable contactless payments or purchase items over the internet securely.

You don’t need to add money to Apple Pay in order to pay. All you need to do is add a payment method, like a debit or credit card. When you use Apple Pay, it’s just like how you would normally use your card.

All UK banks support payments through Apple Pay.

Yes and in some ways it is safer than the card in your wallet. With Apple Pay, when you add a card, its details are encrypted and stored only on your iPhone, not on Apple's servers. Apple replaces your card's details with something called a device account number (also called a token) which means the real information is never shared during purchases. Phone passcodes and fingerprint-recognition (Touch ID) or facial-recognition (Face ID) technology adds another layer of security. On Apple Watch, wrist detection must be enabled. If you lost your phone or it was stolen, you could stop payments by logging in to Apple's iCloud or by putting your device into 'lost mode' via the 'Find My Phone' app.

Open the built-in app on your apple device and follow the online instructions to add your payment cards to your device.

Yes it can be. Apple Pay will store your billing, shipping, and contact information so you won't need to enter them every time.

Apple Pay transactions made in-app and using the Safari browser have no limit.

Google Wallet (formerly known as 'Google Pay' and ‘Android Pay’) is a digital wallet platform and online payment system developed by Google. It powers their in-app and tap-to-pay purchases on mobile devices, enabling users to make payments with Android phones, tablets or watches.

You don’t need to add money to Google Pay in order to pay. All you need to do is add a payment method, like a debit or credit card. When you use Google Pay, it’s just like how you would normally use your card.

The majority of UK banks do support payments through Google Wallet. There at 3 noticeable exceptions at the moment, these are Barclays, Tesco and Tide.

Yes and in some ways it is safer than the card in your wallet. Your card's details are replaced with something called a device account number (also called a token) which means the real information is never shared during purchases. You will be asked to set up a screen lock to add an extra layer of security with Google Pay. You’ll need to unlock your device with a personal PIN*, pattern or fingerprint before you pay – so your purchases are more protected. Should you lose your phone the data can be removed from the phone remotely.

Open the pre-installed Wallet app and add the payment cards you want to use on your device. You can use your phone's camera to capture the card details quickly. You can find instructions here.

Yes it can be. Google Wallet will store your billing, shipping, and contact information so you won't need to enter them every time.

Google Wallet transactions made in-app and using the Chrome browser have no limit.

Stripe is a payment services provider that lets us accept credit and debit cards or other payments. It is used by some of the world’s largest companies, including Amazon and Shopify.

We have set stripe to handle our payments from the major credit card providers as well Apple Pay and Google Wallet. It also handles our Klarna payments.

Very! The payment window you see on our website is a direct connection to the Stripe server. Nothing that is entered there is placed on our server or can be accessed in any way by unicycle.com staff. We are just told that the payment has been accepted or rejected.

Stripe has been audited and certified as a PCI compliance Level 1 service provider, which means it must undergo an annual compliance report and routine security scans and tests. Stripe encrypts all customers’ credit card numbers and stores decryption information separately, which means that not event Stripe can see your credit card number without taking extra steps.

Also, Stripe mandates that all online transactions take place over the most secure HTTPS network.

When you place your order through Stripe it is checked by multiple factors to be sure it is not a fraudulent transaction. There are 2 levels of rejection:

Stripe checks for fraud using over 30 different parameters. Some are very sophisticated based on IP addresses and locations. Others use their vast network to check if your card has been rejected multiple times or used to pay for goods in many different countries simultaneously. Although the main cause of failure is caused by the response that your bank tells them. Your bank will tell Stripe to help it determine if you have entered the correct billing address, both in road and postcode. This is the most common reason for failed payments.

As well as the bank advising Stripe about the payments security risk it will make the ultimate decision on whether they think you are good for the payment or not and then they will just reject it.

Yes, you get to use the full checkout. This includes the comments field. We have found that often the other payment systems will short cut some of options in preference of speed.