Payment Guide

How to Pay at iBrilliance

We want your checkout experience to be seamless and secure. This guide covers every payment method we accept, how Buy Now Pay Later works, and step-by-step solutions for the most common payment issues.

Accepted Payment Methods

💳 Credit & Debit Cards

We accept a wide range of credit and debit cards, including but not limited to:

Major Networks: Visa, Mastercard, American Express (Amex), Maestro, Discover, Diners Club, UnionPay, JCB

Additional Accepted Cards: The full list of accepted cards is displayed at checkout. All major credit and debit card types supported by the above networks are accepted.

Your card details are encrypted end-to-end and processed through a PCI-DSS Level 1 compliant gateway. We never store your full card number on our servers.

Apple Pay

Available on Safari (iPhone, iPad, Mac). Tap the Apple Pay button at checkout and authenticate with Face ID, Touch ID, or your device passcode — no manual card entry required.

Google Pay

Available on Chrome and supported Android devices. Tap the Google Pay button and confirm via your Google account — fast and frictionless.

PayPal PayPal

Pay securely using your PayPal balance, linked bank account, or any card saved in your PayPal wallet. You will be redirected to PayPal to complete payment and then returned to iBrilliance to confirm your order.

PayPal Pay Later — PayPal's own Buy Now Pay Later option. Depending on your eligibility and location, you may be offered:

  • Pay in 3 (UK): Split your purchase into 3 interest-free monthly payments.
  • Pay Later (US): Pay in full in 30 days, interest-free.
  • PayPal Credit: A revolving credit line managed by PayPal. Subject to PayPal's credit approval.

PayPal Pay Later eligibility is determined by PayPal, not iBrilliance. Please refer to paypal.com for full terms.

klarna Klarna

Klarna lets you shop now and pay on your own schedule. Available options at checkout may include:

  • Pay in 3: Split into 3 interest-free instalments, charged every 30 days.
  • Pay in 30 days: Receive your order first, pay later — interest-free.
  • Klarna Financing: Longer-term monthly payment plans (subject to credit approval and availability by region).

Klarna performs a soft credit check that does not affect your credit score. Full terms at klarna.com.

Afterpay Afterpay / Clearpay Clearpay

Afterpay (known as Clearpay in the UK) lets you split your order into 4 equal fortnightly interest-free payments. The first payment is made at checkout; the remaining 3 are automatically collected every 2 weeks.

  • No interest, no fees if you pay on time.
  • Late payments may incur fees — please review Clearpay/Afterpay's terms before use.
  • Eligibility is assessed by Clearpay/Afterpay at checkout.

Full terms at clearpay.co.uk (UK) or afterpay.com (international).

Buy Now Pay Later — Quick Comparison

Provider Plan Interest Credit Check
Klarna Pay in 3 / Pay in 30 days Interest-free Soft check only
Clearpay / Afterpay 4 fortnightly payments Interest-free Soft check only
PayPal Pay in 3 3 monthly payments Interest-free Soft check only
PayPal Credit Revolving credit line May apply Hard check

* BNPL availability may vary by region and order value. All BNPL services are provided by third parties; iBrilliance is not responsible for their credit decisions or terms.

Payment FAQs

When will my card be charged?

Your card is charged immediately when your order is confirmed. You will receive an order confirmation email right away. For BNPL methods, only the first instalment is charged at checkout.

Is it safe to pay on iBrilliance?

Yes. All transactions use SSL/TLS encryption and our payment processing is PCI-DSS Level 1 compliant. Your full card number is never stored on our servers.

Can I pay in my local currency?

Prices are displayed in GBP (£) by default. If you are shopping internationally, your bank or payment provider will apply their own exchange rate. The final amount charged depends on your provider's rate at the time of payment.

Which BNPL option should I choose?

All three BNPL options (Klarna, Clearpay, PayPal Pay Later) are interest-free for their standard plans. Choose based on your preferred schedule: Klarna offers the most flexibility with Pay in 30 days; Clearpay splits into 4 fortnightly payments; PayPal Pay in 3 charges monthly. All are subject to eligibility.

Can I use a discount code with BNPL?

Yes. Apply your discount code at checkout before selecting your payment method. The discounted total will then be split across your instalments.

Can I use multiple payment methods for one order?

We support one payment method per order. If you have a discount code, apply it at checkout before completing payment to reduce the total.

Common Payment Errors & How to Fix Them

❌ Card Declined

Possible causes:

  • Insufficient funds or credit limit reached
  • Incorrect card number, expiry date, or CVV/CVC entered
  • Your bank flagged the transaction as suspicious or unusual
  • The card is not enabled for online or international transactions
  • Prepaid or gift cards may not be accepted by all gateways

What to do:

  • Re-enter your card details carefully and try again
  • Contact your bank to confirm the card is enabled for online/international use
  • Try an alternative payment method (PayPal, Apple Pay, Google Pay, or a BNPL option)

❌ BNPL Application Declined (Klarna / Clearpay / PayPal Pay Later)

Possible causes:

  • The provider's automated eligibility check was not passed (based on order value, account history, or region)
  • Outstanding balance with the same BNPL provider
  • Order value below or above the provider's accepted range

What to do:

  • Try a different BNPL provider at checkout
  • Pay using a card, PayPal balance, Apple Pay, or Google Pay instead
  • Contact Klarna, Clearpay, or PayPal directly for details on the decline — iBrilliance does not have access to their eligibility decisions

❌ PayPal Redirect Not Working

Possible causes:

  • Pop-up blocker preventing the PayPal window from opening
  • Browser extensions interfering with the redirect
  • Temporary PayPal service issue

What to do:

  • Allow pop-ups for ibrilliance.shop in your browser settings
  • Disable ad blockers or try an incognito/private window
  • Try a different browser (Chrome or Safari recommended)
  • Check paypal-status.com for any ongoing PayPal outages

❌ Payment Page Stuck or Not Processing

Possible causes:

  • Slow or unstable internet connection
  • Browser cache or cookie conflict
  • Temporary gateway issue

What to do:

  • Do not click the pay button multiple times — this may cause duplicate authorisation attempts
  • Check your email: if you received an order confirmation, your payment was successful
  • Clear your browser cache and cookies, then try again
  • Try a different device or browser
  • If no confirmation email arrives within 15 minutes, contact us

❌ Apple Pay / Google Pay Not Appearing

Possible causes:

  • Unsupported browser (Apple Pay requires Safari; Google Pay requires Chrome)
  • No card saved in your Apple Wallet or Google Pay account
  • Device does not support the payment method

What to do:

  • Switch to a supported browser and device
  • Add a card to your Apple Wallet or Google Pay account
  • Use a card or PayPal as an alternative

❌ Duplicate Charge

If you believe you have been charged more than once for the same order, please contact us immediately at admin@ibrilliance.shop with your order number and a screenshot of your bank or PayPal statement. We will investigate and respond within 2 business days.

Need Further Help?

Our team is happy to assist with any payment questions not covered above.

iBrilliance — Handcrafted natural gemstone jewellery, made with care.