# Secure Payment Options

We accept all major credit and debit cards, alongside modern digital wallets including **Apple Pay, Google Pay, PayPal, and Shop Pay**.

![visa](https://www.pavingslabsdirect.co.uk/cdn/shopifycloud/shopify/assets/payment_icons/visa-319d545c6fd255c9aad5eeaad21fd6f7f7b4fdbdb1a35ce83b89cca12a187f00.svg) ![mastercard](https://www.pavingslabsdirect.co.uk/cdn/shopifycloud/shopify/assets/payment_icons/master-173035bc8124581983d4efa50cf8626e8553c2b311353fbf67485f9c1a2b88d1.svg) ![maestro](https://www.pavingslabsdirect.co.uk/cdn/shopifycloud/shopify/assets/payment_icons/maestro-d2055c6b416c46cf134f393e1df6e0ba31722b623870f954afd392092207889c.svg) ![apple pay](https://www.pavingslabsdirect.co.uk/cdn/shopifycloud/shopify/assets/payment_icons/apple_pay-f6db0077dc7c325b436ecbdcf254239100b35b70b1663bc7523d7c424901fa09.svg) ![google pay](https://www.pavingslabsdirect.co.uk/cdn/shopifycloud/shopify/assets/payment_icons/google_pay-c66a29c63facf2053bf69352982c958e9675cabea4f2f7ccec08d169d1856b31.svg) ![paypal](https://www.pavingslabsdirect.co.uk/cdn/shopifycloud/shopify/assets/payment_icons/paypal-49e4c1e03244b6d2de0d270ca0d22dd15da6e92cc7266e93eb43762df5aa355d.svg) ![shop pay](https://www.pavingslabsdirect.co.uk/cdn/shopifycloud/shopify/assets/payment_icons/shopify_pay-957a48d1202dc65a7890b292de764ee886f7e64cea486ae82e291e9dc824c914.svg)

To ensure total transaction integrity, all payments are processed securely via our Shopify-powered checkout at **www.pavingslabsdirect.co.uk**.

### Data Security Compliance

We strictly comply with the **Payment Card Industry Data Security Standard (PCI DSS)**. This global framework protects your cardholder data and ensures a secure shopping environment. For technical details, visit the [Official PCI Overview](https://www.pcisecuritystandards.org/standards/pci-dss/).

## Direct Bank Transfers

We welcome Bank Transfers (BACS/CHAPS) for **trade customers**, including builders, landscapers, and contractors. This method is also available to retail customers as an alternative if online card processing is unavailable.

## Transparent Pricing vs. Instalment Finance

At Paving Slabs Direct, we choose not to offer "Pay Later" or instalment schemes. While these services are popular, they carry significant merchant fees (often 4% to 9%) which most retailers hide by inflating the base price of their products.

As a **direct importer** handling heavy, low-margin materials, our priority is providing the lowest possible price upfront. We believe in **honest pricing** rather than embedding third-party finance costs into the cost of your stone.

### Industry Comparison: Merchant Transaction Costs

The following table illustrates why traditional payments allow us to maintain lower prices compared to finance-heavy retailers.

Payment Method

Typical Merchant Cost

Impact on Product Price

Direct Bank Transfer (BACS)

**0%**

Maximum Savings

Shopify Secure Card Payment

**1.75% – 2.25%**

Industry Standard

Digital Wallets (PayPal/Wallets)

**2.25% – 4%**

Higher Cost

"Interest-Free" Instalments

**4% – 6%**

Requires Price Markup

Deferred "Pay Later" Models

**4% – 8%**

Significant Price Impact

### Our Commitment

-   **Price Transparency:** You pay for the quality of the stone, not the cost of a loan.
-   **No Hidden Fees:** We do not artificially inflate prices to cover "interest-free" subsidies.
-   **Secure Transactions:** Industry-standard encryption on every order.

_\*Note: Figures provided are indicative of UK retail industry averages used for cost-transparency context._

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> Source: [Paving Slabs Direct](https://www.pavingslabsdirect.co.uk/pages/payment-methods)