Payment Q’s and A’s

Q: What payment methods do you accept?

We accept all major credit and debit cards, Bank Transfer, Bacs and CHAPS payment methods.

Q: Is paying for my order using Bank Transfer, PayPal or Credit/Debit card safe?

Regardless of the payment method you choose, your purchase is 100% protected by your financial institution and Lumen Books offers 100% money back guarantee. In a case of non-delivery you will get all your money back. We only use the most secure payment methods that fully protect the seller as well as the buyer. At Lumen Books we take security extremely seriously and are completely transparent about our business practices and implemented security measures.

Q: Would I be paying more if I choose to pay for my order using PayPal, Credit or Debit card?

No. You would not be paying more. We do not charge any additional fees for using PayPal, credit or debit cards. Due to various limited time promotions, Bank Transfer/Online Banking/BACS/CHAPS/Faster Payments paying customers are sometimes paying less. Our pricing is highly competitive and almost in all cases lower than retail, and you are getting some of the best deals on the market regardless of the payment method.

Q: What is the difference between Bacs, CHAPS and Faster Payments?

Faster Payments are electronic payments that can be made online, over the phone, in branch or through self-service kiosks in fewer than 2 hours – so long as both banks are part of the Faster Payments Service. Most electronic payments sent through Faster Payments will arrive at the recipient bank on the same day.

Bacs is an electronic system to make payments directly from one bank account to another. They’re mainly used for Direct Debits and direct credits from organisations. The payments take 3 working days to clear, so money paid into an account on Monday will clear on Wednesday.

CHAPS guarantees same-day payment so long as the instructions are received by 2pm on a working day.

Direct Bank Transfer

Paying for your purchase using a Bank Transfer (Faster Payments, Bacs, CHAPS) payment method is fast and convenient and you can simply use secure online banking through your bank. If you are not registered for online banking you can have your bank transfer the total amount of your order into our UK Santander Business bank account. Please use your Order number as the payment reference. Payments from UK and most EU banks usually clear the same day.

Debit and Credit Cards

You can securely pay with your credit or debit card via PayPal even if you don’t have a PayPal account. To prevent any unnecessary delays processing your order, please ensure that the billing addresses on your order matches the information on your credit card account. If you have recently moved or are unsure whether you receive your credit card statement at your work or home address, please contact your card-issuing bank using the number on the back of your credit card to confirm.

Lumen Books accepts the following credit, debit or check cards associated with a billing address:

  • MasterCard/Eurocard
  • Visa/Delta/Electron
  • Discover
  • American Express
  • Maestro

⚠️ Please note that we are only able to ship to the billing address you have on file with your bank or your card company. For security purposes your PayPal shipping address must be confirmed. If you would like us to ship to a different address please select Bank Transfer payment method.