How you pay for
your Chesterfield
A clear, complete account of every payment method, timing rule and security safeguard behind an order with SLW Chesterfields — from the first swatch you choose to the day your handmade piece is delivered.
Ask us about payment
Everything about paying us, in order
Who this policy covers
Every order, across every range
This Payment Policy applies to every order placed with SLW Chesterfields — sofas, chairs, tables, home accessories, patchwork pieces, leathers, beanbags, footstools, and storage boxes — whether you order through our website, over the phone, or by email.
Consumers and trade buyers alike
Most orders come from individual consumers, and the payment terms below apply in full. We also supply hotels, bars, pubs and restaurants furnishing their spaces; Section 10 sets out how those commercial orders are paid for.
SLW Chesterfields is owned and operated by Harlequin Chesterfield Sofa Ltd, registered in England and Wales (Company No. 15921383). Every piece is handmade to order at our workshop in Bury, Greater Manchester, and we currently deliver exclusively to addresses within the United Kingdom. Nothing in this policy limits or removes any right you hold under UK consumer law, including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
Accepted payment methods
We accept every major debit and credit card scheme, both leading digital wallets, Klarna, PayPal, and direct bank transfer. Every method below is processed through a PCI DSS compliant payment gateway, and we never add a surcharge for choosing any one of them.
Bank Transfer
Cards
Visa, Mastercard, American Express, Discover, JCB, UnionPay and Diners Club are accepted for both debit and credit cards, processed through our secure card gateway with 3D Secure verification where your card issuer requires it.
Digital wallets & PayPal
Apple Pay and Google Pay let you check out using the card already saved on your device, without re-entering your card number. PayPal is accepted for customers who prefer to pay through their PayPal balance or linked account.
Direct bank transfer
Bank transfer (Faster Payments/BACS) is available on request, particularly for larger bespoke orders and trade accounts. Our bank details are issued on your order invoice; please quote your order number as the payment reference.
Currency, pricing & VAT
Pound sterling, VAT included
All prices shown on our website are in pounds sterling (GBP) and include VAT at the prevailing UK rate, together with standard delivery to mainland UK. Any promotional offer or discount that applies to your order is reflected in the price shown before you pay.
Delivery to Northern Ireland & remote areas
We deliver throughout the United Kingdom, including Northern Ireland. Additional delivery charges may apply to Northern Ireland, the Scottish Highlands, islands and other remote locations, and any such charge is shown to you clearly before you pay.
When payment is due
Because every sofa, chair and table we make is handmade to order, our payment timeline runs alongside the production of your furniture rather than a same-day dispatch.
Before production begins
Cleared payment — in full, or under an agreed instalment arrangement such as Klarna — is required before we begin cutting leather, building frames or upholstering your order. This protects both sides: it confirms your specification and secures your place in our workshop schedule.
Before delivery
Where any balance remains outstanding, it must be cleared before your furniture is released to our delivery carrier. We will not book or dispatch a delivery while any part of the order price remains unpaid.
Payment security & your data
PCI DSS compliant gateway
Every card payment is processed through a payment gateway certified to the Payment Card Industry Data Security Standard (PCI DSS). Your full card number, expiry date and security code are transmitted directly to that gateway and are never stored on our own servers.
Encrypted throughout
Our checkout uses TLS/SSL encryption to protect your payment details in transit. Where your card issuer participates, we also apply 3D Secure (Strong Customer Authentication) under UK payment services regulations, which may ask you to confirm the payment with your bank.
Fraud prevention checks
We and our payment providers may carry out standard verification checks, such as address verification and card security code matching, to help prevent fraudulent use of your card. These checks do not affect your credit rating.
Details of how we collect, use and safeguard your personal and payment information more broadly, including how long records are retained, are set out in our Privacy Policy.
Buy now, pay later — Klarna
Klarna is offered as an optional way to spread the cost of your order. Klarna is a separate, FCA-regulated credit provider, and using it means entering into a separate agreement with Klarna, not with SLW Chesterfields.
How it works with us
- You choose Klarna at checkout and complete Klarna's own application.
- Klarna pays SLW Chesterfields directly once your plan is approved and your order can proceed.
- You then repay Klarna according to the schedule you agreed with them, separately from us.
What Klarna requires
- You must be at least 18 years old and a UK resident to use Klarna.
- Klarna may carry out a soft or hard credit check, and eligibility is decided by Klarna, not by us.
- Interest, fees and late-payment terms (where applicable to the plan you choose) are set out entirely in Klarna's own terms and conditions, not on this page.
Order confirmation & when the contract begins
| Stage | What happens |
|---|---|
| You submit your order | You provide your chosen specification and valid payment details. This is an offer to buy, not yet a completed contract. |
| We accept the order | The contract is only concluded once we have received your valid payment details and confirmed acceptance of the order by email. We are entitled to decline any order at our discretion, for example where a pricing error is identified. |
| Production begins | Once payment terms in Section 04 are met, your piece enters our workshop schedule and manufacturing begins. |
Failed, declined or disputed payments
If a payment doesn't go through
If your card is declined or a payment fails, your order will not be confirmed and production will not begin. You are welcome to retry with the same or a different payment method, or contact your card issuer or bank to ask why the payment was declined, since we do not have visibility of the reason on our side.
Chargebacks & disputes
If you believe a payment was taken in error, please contact us first at slwchesterfields@icloud.com or 07947 700380 so we can investigate and resolve it directly — this is normally far quicker than raising a dispute with your card issuer, and helps us keep your order moving.
Pricing errors
Although every effort is made to ensure that prices displayed on our website are accurate, occasional errors can occur. Where an order has been placed at an incorrect price, we reserve the right not to accept that order. If this happens, we will contact you before any goods are produced, and you will not be charged unless we have first confirmed the correct price with you and you agree to proceed.
Trade & hospitality orders
We regularly furnish hotels, bars, pubs and restaurants. Commercial orders follow the same secure payment methods set out above, with two practical differences for business customers.
Invoicing on request
Trade and hospitality customers may request a formal VAT invoice against their order, and can pay by bank transfer against that invoice as an alternative to paying by card online. Please contact us to set this up before placing a commercial order.
Same cleared-funds rule applies
As with consumer orders, cleared payment is required before production begins on a trade order, and any outstanding balance must be cleared before delivery or collection is arranged. Trade orders are covered by our one-year trade guarantee, as described in our Terms & Conditions.
Refunds — method & timing
Same method, no fee
Where a refund is due, we refund it using the same payment method you used to pay, unless you expressly agree with us otherwise. We do not charge any fee for processing a valid refund.
How long it takes
We aim to process eligible refunds without undue delay. Once we have issued a refund, the time it takes to appear in your account or on your statement depends on your bank, card issuer or payment provider, and is outside our control.
Policy updates
We may update this Payment Policy from time to time, for example to reflect a new payment method, a change in card scheme requirements, or a change in UK law. The version published on this page is always the current one, and the effective date at the top of this page will change whenever we make a material update. Payment terms that applied when you placed an order continue to apply to that order.
Questions about a payment?
If anything about a card charge, a Klarna plan, a bank transfer, or a refund is unclear, we're glad to talk it through directly.
Phone
07947 700380
Mon–Fri, 09:00–18:00 GMT
Write to us
Via our contact page, or by post to our registered office below.
Company information
SLW Chesterfields, operated by Harlequin Chesterfield Sofa Ltd
- Registered company name
- Harlequin Chesterfield Sofa Ltd
- Company number
- 15921383
- Registered address
- 169 Tottington Road, Bolton, England, BL2 4DF, United Kingdom
- Workshop & trading address
- New Victoria Mills, Wellington Street, Bury, BL8 2A, United Kingdom
- Phone
- +44 07947 700380
For full contractual terms, see our Terms & Conditions. For cancellation, return and refund rights, see our Returns & Refunds Policy. For how we handle your personal data, see our Privacy Policy.
All of our policies, in one place
Last updated and effective: 24 July 2026 — SLW Chesterfields, operated by Harlequin Chesterfield Sofa Ltd, Company No. 15921383. Registered address: 169 Tottington Road, Bolton, England, BL2 4DF, United Kingdom.