Payment Methods

Payment Methods

We offer payment via Credit or Debit Card, PayPal, Gift Voucher or Finance V12.

The payment methods available to you will depend on your delivery country and can be found in the lower right-hand corner of your Shopping Basket. 

If you wish to change your delivery country or currency, simply follow the steps outlined below.

If you are using a desktop/laptop, click on the flag in the top right-hand corner of our website. This will display three dropdown menus, where you can choose your Region & Language, Currency & Delivery Destination, as shown below:

If you are using a mobile phone/app, click on the three lines in the top left-hand corner of your screen, then select ‘Account’ followed by ‘Currency’. This will bring up the Region & Language, Currency and Delivery Destination dropdowns, as shown above.

Once you have selected your preferences, click ‘Update’ to refresh the website, before proceeding to your basket. 
You will be able to select your preferred payment method during checkout.

How to Pay via Credit or Debit Card

Payment via Credit or Debit Card

We accept most major credit and debit cards for online orders.

During checkout, you will be asked to enter your card details and the name and address of the card holder. Please ensure the information provided is correct; if there are any discrepancies your order may be held.  Don't worry, we will contact you if there are any problems.

You can pay with the following credit and debit cards:

 Visa (Visa Electron & Visa Debit)
 American Express
3DSecure Authentication
For security purposes you may be asked to verify the transaction via 3DSecure authentication. This is in line with industry standards and complies with the regulation for PSD2.
3DSecure is authentication process which offers an extra layer of security to protect you whilst shopping online.
If 3DSecure applies, then when you click 'Pay Securely Now' you will be presented with a box from your Bank. This will either ask you to enter your 3Dsecure password (this being the one you already have set up with your bank) or to enter an authentication code (that will automatically be sent to you via the preference your bank has stored for you). After you have entered the correct details, your transaction should be approved, and your order will be confirmed as standard.
If you choose to edit stored card information, you will be re-prompted for CVV verification (confirming the last 3 digits on the signature strip of a Visa/MasterCard, or last 4 digits on an American Express card), before this amendment can be processed.

How to Pay via PayPal

Payment via PayPalPayPal

PayPal is a simple, quick, and secure way of paying online, all you need is a PayPal account. For more details on how to set up an account, visit the PayPal website.
Orders paid via PayPal will be charged in full; this includes the cost of any out-of-stock items. If we do not have a due date for more stock arriving, the item will be cancelled and refunded back onto your PayPal account. 
Please note, orders will be delivered to the address confirmed on the Wiggle website during checkout, not the address shown on your PayPal account. Please check the delivery address at Wiggle checkout before confirming the order.
Please see our FAQs below for more information.

1. How do I place an order and pay via PayPal?

To pay via PayPal, simply follow the steps outlined below:

  • Create your order and proceed through Checkout as normal.
  • At the payment stage select 'Pay with PayPal'. You will then be redirected to your PayPal account.
  • Authorise the payment as prompted via your PayPal account.
  • Once authorised, return to the Wiggle website to confirm your details* and complete your order. 
  • Once completed, you will receive an order confirmation email to your PayPal email address.
*Please ensure the delivery address displayed is correct before completing your order.

2. Why has PayPal charged me more than you stated? 

We accept PayPal payments in GBP Sterling, Euro, US Dollars, Australian Dollars, Canadian Dollars, Japanese Yen, Norwegian and Danish Krone, Swedish Krona and Swiss Francs. For other countries and currencies, we show exchange rates based on the Bank of England rate. If you purchase through PayPal, PayPal will apply their own exchange rates and you may see a slight difference in the amount you pay. PayPal exchange rates are fully explained in their terms and conditions.

3. Can I use PayPal without opening a PayPal account?

You can now pay with PayPal without the need to open an account. This means PayPal will not hold onto your details after purchase. PayPal limit the number of account free transactions to 10.

4. What if I encounter an error when paying via PayPal?

PayPal is an extremely secure payment method, however, like all things, problems can sometimes occur. We’ve collated some useful information below to help out:
  • If you are redirected to an error page or do not receive an online confirmation email from us then it is likely an error prevented the creation of the order at Wiggle. If you are unsure, please log into your Wiggle customer account. If the order does not appear there within 5 minutes, then it was not successfully created. If you receive an email from PayPal stating that you have paid for your order but do not receive an email from Wiggle, please log into your account and check that the order was successfully created there. If it was not please contact us via Live Chat or email, quoting your name, Wiggle account email address, PayPal account email address, the items that you ordered and any vouchers that you used. We will then be able to recreate the order and find your PayPal payment to link it to.
  • If using Switch/Maestro with PayPal: While you are placing your order when you are redirected to PayPal, they put you in a loop asking for your card details which are already registered with them and you have used with PayPal before. Even if you re-enter the details it brings up another error message. PayPal have suggested entering the details of a different card. If you need further help with this problem, please contact PayPal.
  • 'The buyer is restricted' - PayPal have placed restrictions on your account and we are unable to proceed with your order. Please contact PayPal to resolve this issue with them. Alternatively you may change your payment method and pay by card directly to Wiggle. Please update your Wiggle account with the card your wish to pay with then Contact Us for further help to do this.
  • 'The buyer cannot pay, transaction rejected' - PayPal believes you are unable to pay for your order. Please contact PayPal and then let us know when the issue is resolved, and we can retry to process your order. Alternatively, you may change your payment method and pay by card directly to Wiggle. Please update your Wiggle account with the card your wish to pay with and Contact Us if you require our assistance.
  • 'The funding source is missing' - The funding source you chose to use to pay for your order is no longer connected to your PayPal account or your order. Please contact PayPal to resolve the issue. Alternatively, you may change your payment method and pay by card directly to Wiggle. Please update your Wiggle account with the card your wish to pay with then Contact Us for further help to do this.
  • 'Transaction refused due to risk model of the buyer' - PayPal have run a risk model against your account for security reasons and believe your account may be high risk and will not allow us to proceed with your order. Please contact PayPal to resolve this issue. Alternatively, you may change your payment method and pay by card directly to Wiggle. Please update your Wiggle account with the card your wish to pay with then Contact Us for further help to do this.

5. Can I pay via PayPal Credit?

PayPal credit is available at Wiggle on eligible orders. For more information, please visit PayPal website here

How to Pay via Gift and Promotional Vouchers

Payment via Gift and Promotional Vouchers

To redeem your gift or promotional voucher, please follow the steps below:
  1. Select the item(s) you wish to order and add them to your basket.
  2. Enter your voucher code in the ‘Gift Vouchers’ box and click ‘Add Code’ to apply the discount to your order*.  
  3. Proceed to Checkout as normal.
*If your order does not meet the promotional Terms and Conditions, a message will appear. You may need to modify your order to redeem the discount.
Please note, some vouchers require a minimum spend and may only be valid on a specific brand or product range. For more information, click here.
Important information about Gift Vouchers:
  • Gift Vouchers can be used to purchase any product on apart from other vouchers, event tickets or subscriptions.
  • You don’t have to spend the whole balance of the Gift Voucher at once. If you wish to find out how much credit is left on a voucher, please contact our customer service team with your voucher code. 
  • Gift Vouchers are valid for 24 months from the date of purchase.
  • Gift Vouchers are valued and issued in GBP. You can still redeem your voucher on an order using a different currency, however the value of the voucher in that currency will be calculated at the time of redemption.
  • It is not possible to use Gift Vouchers against orders purchased via the finance payment option.
  • You can use multiple gift vouchers on your purchase, all you need to do is add one at a time before checking out.

How to Pay via Finance at Wiggle

Payment via Finance at Wiggle

Wiggle Limited are licensed credit brokers “Licence Number 737938”. Registered office: Wiggle Ltd. 1000 Lakeside, Suite 310, Third Floor N E Wing, Portsmouth, Hampshire, PO6 3EN, United Kingdom. Wiggle Ltd acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Wiggle Ltd is authorised and regulated by the Financial Conduct Authority. Our registration number is 551161. Credit provided subject to age and status.

Here are some of the most commonly asked questions regarding online finance.

1. What Options are available?

6 Months 0% Apr on orders over £280 containing an eligible product
10 Months 0% Apr on orders over £280 containing an eligible product
12 Months 0% Apr on orders over £280 containing an eligible product
20 Months 0% Apr on orders over £280 containing an eligible product
24 Months 0% Apr on orders over £2500 containing an eligible product
30 Months 0% Apr on orders over £2500 containing an eligible product
36 Months 0% Apr on orders over £2500 containing an eligible product
24 Months 15.9% Apr on orders over £280
36 Months 15.9% Apr on orders over £280

All finance orders are subject to a minimum deposit of 10% which will be taken from your Debit/Credit Card by our partner V12 once your application has been approved and confirmed.

2. How quickly will my application be processed?

If your online application is received between 9am and 8pm, Monday to Friday (excluding Bank & Public holidays), 9am and 6pm on Saturday, or 10am and 5pm on Sunday then in the majority of cases, you will receive a decision within a matter of minutes. If you submit your application outside of these hours, then you will likely receive a response the next working day. You will be sent an email to confirm the status of your application as soon as it has been processed.

3. Once my application is approved, what happens next?

Within minutes of your application being approved, you'll be asked to accept the terms of the contract - once you select YES you will return to the checkout and will proceed through to the completion of your order following which your order will be dispatched for home delivery. Following completion, you will receive an email with a link to download a copy of your credit agreement for your records. Your order will then be processed and despatched from our warehouse within the next 2 working days.

4. Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

5. If you decline/refuse my application, what is the reason?

In addition to credit scoring, confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies are all taken into account. Though you will not be provided with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

  1. Your credit score (note that every finance company will score you differently)
  2. Adverse credit reference agency information
  3. You are considered to be overcommitted
  4. You are aged under 18
  5. Your existing account performance with other lenders

6. What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

7. How do I obtain a copy of this information?

You should send a cheque for £2, made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk
Experian Limited
PO Box 8000
Department 1E
PO Box 3001
G81 2DT
Callcredit Limited
Consumer Services Team
One Park Lane

You can also find out more about credit decisions by visiting the above companies' websites: Experian, Equifax and Callcredit. The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

8. Who is my finance actually with?

We source the best value finance products from providers who excel in their customer service. Your finance agreement will be with one of the UK's leading finance houses.

9. If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because a previous application has been refused, it does not mean that a further request will be automatically turned down. We do suggest however, that you leave at least 3 months between applications.

10. Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a permanent resident of the United Kingdom and have lived in the UK for the last three years or more. Unfortunately, online finance cannot be offered to residents of Eire. Homemakers aren't excluded from making applications under their own names.

11. Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we can only deliver goods to the name and address showing on the finance application.

Orders placed using Collect+ are not eligible for Finance.

12. Can I change my order in part or whole after applying for online finance?

To ensure your chosen products are correctly delivered to you, if you need to change your order in anyway, it will be necessary to cancel your order and re-key it as if it were new. We apologise for any inconvenience this may cause. If you've already received confirmation of approval for online finance via Wiggle, by the time you decide to change your order, then the decision will stand from your original application so long as the order value has not increased. If however, you then go on to make subsequent orders funded via online finance, then each will be treated as a new application and will be processed in the normal way.

13. Are the goods I’ve ordered set aside for me until the approval process is complete?

Our system is such that goods are allocated to your order only when your completed and eSigned agreement is confirmed and the deposit processed.

14. What if I order a bike?

Finance is available for bikes purchased at Wiggle.

15. What if my bike arrives damaged or an issue occurs within the first 30days?

If your bike/order arrives damaged or a fault develops within the first 30days then you have the right to reject and return the goods.

16. What if I still need assistance after reading the information in this section?

Simply contact our customer services team via Live Chat or email, detailing the nature of your enquiry. A customer services advisor or a member of our online finance team will get back to you as soon as possible with an answer to your question.