You can make a manual payment through your customer portal or using the quick pay link that you will
receive by SMS and email on the day that the payment has been declined.

If no manual payment is made on the due date and the payment was declined by your Bank due to
insufficient funds we will process a retry for the payment amount on the following day automatically
around 7am.

If the payment is still outstanding after the first retry then a one off €9 Dishonour (late payment) Fee is
applied and will be due to be paid in addition to the payment amount.
• The Dishonour Fee will only be charged once for each late payment.
• If unpaid the Dishonour fee will be added to the outstanding balance and will be subject to interest
at the Standard Variable Rate.

If no manual payment is made during a day and you have not been in touch with us to make an
alternative arrangement, we will continue to retry for the payment plus the Dishonour Fee daily until the
next scheduled payment is due.

If the card for payments on file has expired, been damaged and replaced or been reported lost/ stolen
you will need to update the card details and make a manual payment through your Customer Portal. In
these circumstances a Dishonour fee is not applied.

Available credit terms, interest rates and fees will vary between retailers. More information about the range of interest rates, fees and charges that apply to our credit agreements is available here. 

If you are experiencing temporary or longer term financial difficulties, please email us at
[email protected] providing all relevant details of your circumstances so we can work with
you to manage the situation.