Custom Iron On Patches accepts secure payment via card (processed by Stripe), PayPal, Apple Pay, Google Pay and BACS bank transfer. Card data is processed by PCI-DSS compliant payment processors and is never stored on Custom Iron On Patches’ servers. B2B customers can apply for 30-day account terms subject to credit approval. Every transaction is encrypted in transit and processed under UK GDPR and Data Protection Act 2018 standards.
This page documents the accepted payment methods, security standards and B2B payment terms.
Accepted Payment Methods
Custom Iron On Patches accepts the following payment methods on every order:
| Payment Method | Processor | Use Case |
| Visa, Mastercard, American Express | Stripe | All orders, standard card payment |
| Maestro, Visa Debit, Mastercard Debit | Stripe | All orders, debit card payment |
| PayPal | PayPal | All orders, alternative card processing |
| Apple Pay | Stripe | Mobile checkout, contactless payment |
| Google Pay | Stripe | Mobile checkout, contactless payment |
| BACS / Bank Transfer | Direct | All orders, particularly B2B and large orders |
| Pro-Forma Invoice | Direct | B2B accounts, public sector, framework agreements |
| 30-Day Account Terms | Direct (subject to credit approval) | Verified B2B accounts |
Card payment is the most common method for B2C orders. BACS and pro-forma are typical for B2B orders. Apple Pay and Google Pay are standard on mobile checkout.
Card Payment Security
Card payments at Custom Iron On Patches are processed by Stripe, one of the world’s most widely used payment processors. Stripe handles:
- Card data encryption in transit (TLS 1.2+)
- PCI-DSS Level 1 compliance (the highest level of card data security certification)
- Strong Customer Authentication (SCA) under PSD2 regulations
- 3D Secure 2 verification for card-not-present transactions
- Fraud detection via Stripe Radar
Custom Iron On Patches does not store, process or transmit raw card data on its own servers. All card information is captured directly by Stripe’s secure payment infrastructure. The Custom Iron On Patches server only ever receives a tokenised reference to the customer’s payment, which cannot be used to recreate the original card details.
For full Stripe security documentation, see stripe.com/gb/security.
What This Means for Customers
- Card details are entered into Stripe’s secure form, not into a Custom Iron On Patches database
- Card numbers, CVV codes and expiry dates are never stored by Custom Iron On Patches
- Refunds, partial refunds and disputes are handled directly through Stripe’s secure refund flow
- Card data theft from a Custom Iron On Patches database is not technically possible because the data is never there to be stolen
PayPal Payment Security
PayPal payments are processed directly by PayPal under PayPal’s standard buyer and seller protections. PayPal account credentials are entered into PayPal’s secure system; Custom Iron On Patches never sees the customer’s PayPal password or full account details.
PayPal payments are eligible for PayPal Buyer Protection on qualifying purchases.
For full PayPal security documentation, see paypal.com/uk/security.
Apple Pay and Google Pay
Apple Pay and Google Pay payments are processed via Stripe using device-specific tokenisation. The actual card number is never transmitted during checkout, instead, a unique device-specific token is generated by Apple or Google and sent to Stripe for authorisation.
This means:
- Card data is never visible to Custom Iron On Patches
- Card data is never visible to Stripe in raw form
- Authentication is handled by the customer’s device (Face ID, Touch ID, Android biometrics)
- Fraudulent device-tokenised transactions are virtually impossible
Apple Pay and Google Pay are typically the most secure payment methods available for online card transactions.
BACS and Bank Transfer
BACS (Bankers’ Automated Clearing Services) is the standard UK bank transfer method, typically used for:
- B2B orders requiring purchase order processing
- Large orders where card processing fees would be prohibitive
- Public sector orders against pro-forma invoices
- Framework agreement billing
BACS payments arrive in the Custom Iron On Patches business bank account and are reconciled against the order before production begins. BACS payments are typically processed within 1-3 working days of submission.
For BACS payment, customers receive payment instructions on the pro-forma invoice including:
- Bank name and sort code
- Account number
- Reference to use (typically the order number)
- VAT and total amount due
Custom Iron On Patches does not provide bank account details on this page for security reasons. Banking information is provided directly on individual pro-forma invoices and quote confirmations.
B2B Payment Terms
B2B customers have additional payment options beyond standard B2C card and PayPal payments:
Pro-Forma Invoicing (Standard for B2B)
Pro-forma invoicing is the standard B2B payment model. The customer receives a pro-forma invoice after proof approval; payment is made by BACS or card before production begins. Pro-forma invoicing is available immediately on B2B account approval and does not require credit checking.
30-Day Account Terms (Subject to Approval)
30-day account terms are available for verified B2B accounts subject to credit approval.
Once approved, B2B accounts:
- Receive a credit limit assigned at account setup
- Place orders against an open account without per-order payment
- Receive monthly statements detailing all activity
- Settle accounts within 30 days of invoice date
30-day terms are typically extended to:
- Public sector buyers (schools, NHS Trusts, councils, MoD, government bodies)
- Established UK Ltd companies with positive credit history
- B2B accounts with established trading history with Custom Iron On Patches
For B2B account application, see bulk and trade enquiries.
Framework Agreement Billing
Customers ordering through public sector procurement frameworks (Crown Commercial Service, NHS Supply Chain, YPO, ESPO, NEPO, LUPC) can be billed against framework-specific procurement processes including:
- Purchase order matching
- Framework reference inclusion on invoices
- E-invoicing where required (PEPPOL, Tradeshift)
- VAT reverse-charge handling
- Procurement-compliant documentation
Framework billing is configured at account setup based on the relevant framework’s requirements.
Currency and VAT
Currency
All prices on the Custom Iron On Patches website are in British Pounds Sterling (GBP / £). International orders are charged in GBP and converted to local currency by the customer’s card issuer or PayPal at the prevailing exchange rate.
VAT
If VAT registered:
Prices are shown Including VAT. EU and international orders may be zero-rated or reverse-charged subject to documentation requirements.
For VAT and invoicing queries, contact the team via bulk and trade enquiries (subject line: “VAT Query”).
Refunds and Chargebacks
Refunds
Refunds are processed via the original payment method. Card refunds are processed through Stripe and typically arrive in the customer’s account within 5-10 working days. PayPal refunds are processed through PayPal and typically arrive in the customer’s PayPal account within 1-3 working days. BACS refunds are processed via direct bank transfer and typically arrive within 1-3 working days.
For full refund eligibility and process, see the returns and refunds policy and the quality guarantee.
Chargebacks
Customers experiencing payment issues should contact the Custom Iron On Patches team before initiating a card chargeback. Most order issues, including manufacturing defects, delivery problems and unexpected charges, can be resolved directly with the workshop without requiring a chargeback.
To raise an order issue:
- Email: [email protected] with the order number in the subject line
- Phone: 07746 501247
The customer service team responds within one working day and aims to resolve issues without escalation.
Data Protection and Payment Information
Custom Iron On Patches handles all customer payment information in accordance with:
- UK GDPR and Data Protection Act 2018 – lawful basis, minimisation, retention limits
- PCI-DSS standards – via Stripe and PayPal’s compliant infrastructure
- PSD2 / Strong Customer Authentication – via Stripe’s authentication flow
- ICO registration – Custom Iron On Patches Ltd is registered with the Information Commissioner’s Office
For full data handling information, see the privacy policy.
Frequently Asked Payment Questions
Is it safe to pay with a card on the Custom Iron On Patches website?
Yes. Card payments are processed by Stripe, a PCI-DSS Level 1 certified payment processor. Card data is encrypted in transit, never stored on Custom Iron On Patches’ servers, and protected by Strong Customer Authentication and 3D Secure 2 verification. Custom Iron On Patches never sees raw card details.
Do you accept PayPal?
Yes. PayPal is accepted on every order. PayPal payments are eligible for PayPal Buyer Protection on qualifying purchases.
Do you accept Apple Pay or Google Pay?
Yes. Apple Pay and Google Pay are accepted on mobile checkout. Both methods use device-specific tokenisation, making them among the most secure card payment methods available online.
Can I pay by bank transfer (BACS)?
Yes. BACS bank transfer is accepted on all orders, particularly for B2B orders, large orders and public sector pro-forma invoicing. BACS payment instructions are provided on the order confirmation or pro-forma invoice.
Do you offer 30-day account terms for businesses?
Yes, for verified B2B accounts subject to credit approval. The application involves credit reference checking and trade reference verification. Public sector buyers and established UK Ltd companies typically qualify. Pro-forma invoicing is available immediately on B2B account approval without credit checking.
Are prices VAT-inclusive or VAT-exclusive?
Prices shown are VAT-inclusive unless stated otherwise.
What currency do you charge in?
All prices are charged in British Pounds Sterling (GBP / £). International customers are charged in GBP and converted to local currency by their card issuer at the prevailing exchange rate.
When is payment taken?
Payment is taken after proof approval and before production begins. Customers approve the digital proof, then payment is processed; production starts only after payment is confirmed.
Can I pay a deposit and the balance later?
For very large orders (typically £5,000+), the team can arrange split payment terms, typically 50% deposit before production starts, 50% balance before dispatch. Confirm split payment terms at quote stage.
How long do refunds take?
Card refunds via Stripe typically arrive within 5-10 working days. PayPal refunds typically arrive within 1-3 working days. BACS refunds typically arrive within 1-3 working days.
Get In Touch
For payment queries or to discuss B2B payment terms:
- Email: [email protected]
- Phone: 07746 501247
- B2B account application: bulk and trade enquiries
For a free quote with payment options: