Debit and Credit Cards

We accept secure online payment by:

We accept Visa, MasterCard, AMEX, Maestro and Delta. We do not accept Laser cards.

For orders placed using a Credit or Debit card, the payment card will be debited once the order is confirmed.

Card payments are processed using VERIFIED BY VISA, MASTERCARD SECURECODE, and AMERICAN EXPRESS SAFEKEY and you may be asked by your card company to setup a password if you do not already have one. This is an easy process and takes just a few moments.

Klarna Flexible Payments

When spending over 41, you can pay using Klarna. The following payment methods are available when paying with Klarna:

Pay in 3

Split your purchase into three equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments every 30 days. Your first instalment will be collected when your order is confirmed by Gear4music and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

Pay in 30 days

Pay for your order after you have received it. Make your purchase today and start enjoying what you’ve ordered right away. Pay up to 30 days later and enjoy payment empowerment and peace of mind.

Pay now

No need to enter any lengthy card numbers, no need to create an account, no need for anyone to store your details. Just use your own online banking details to make a purchase. With an immediate transaction confirmation your order will be processed immediately. Convenient and secure. Click. Done.

Please note that some Klarna payment products are only available in the UK.

Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply.

Klarna Finance

For purchases ranging from 290 to 12,000, Klarna Finance options are available with durations spanning 12 to 48 months. For a more detailed breakdown of APR rates, please visit our Pay By Finance page.

To explore the Klarna finance products available to you, select 'Place order using Klarna' at checkout and complete your purchase within the Klarna portal. Gear4music Limited acts as a credit broker and offers credit products from Klarna Finance, receiving a commission if your application is successful.

Gear4music Limited (Holgate Park Drive, York, North Yorkshire, YO26 4GN) is authorised and regulated by the Financial Conduct Authority ("FCA") (FCA FRN 706272) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Financial Services UK Limited (company number 14290857), which is authorised and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Electronic Money Regulations 2011 (firm reference number 1021834). Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Klarna.com/uk/terms-and-conditions.

Apart from Klarna, we also offer flexible financing through V12 Finance. See the details below.

V12 Finance

For purchases between 580 - 17,000, V12 Finance options are available:

48 Months at 19.90% APR
36 Months at 19.90% APR
24 Months at 19.90% APR

Gear4music Limited acts as a credit broker and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Gear4music Limited is authorised and regulated by the Financial Conduct Authority. Our registration number is 3113256. Credit is provided subject to age and status. Gear4music may receive a commission if your application is successful.

For more details on the finance options that Gear4music offer please click here.