In short. On a set of forged wheels, the first thing to fail at checkout is often the card limit, not the price. You have three ways round it: ask your bank or card issuer to raise the limit for the days you need; pay by bank transfer, which has no card limit but cannot be recalled once your bank has received it; or spread the cost. Spreading the cost comes in two forms that have nothing in common: Klarna, a separate lender that accepts or declines you on its own terms, and whose deferred payment credit the FCA has regulated since 15 July 2026, and our own instalments on quotation, which are not credit. Whichever you choose, your rights in the wheels stay the same.
The case behind this guide
On 12 October 2026, the only buyer who had reached the payment step on our website, for a set for an Audi RS5, wrote to us that his card limits had stopped him, and asked for our bank details. Our checkout already offered bank transfer; our website said so nowhere. Since 20 October, every product page says it: "At checkout, you pay by card or by bank transfer; Klarna is also offered, depending on your country and subject to acceptance." And under the buy button: "Card limit too low? Choose bank transfer at checkout."
Our survey of the checkout on 20 October 2026, country by country and without placing an order, found bank transfer in all 35 delivery countries, the United Kingdom included, and Klarna in 18 of them, including the United Kingdom and Ireland.
Ways to pay, side by side
| Credit card | Debit card | Bank transfer | Klarna | Instalments on quotation | |
|---|---|---|---|---|---|
| What limits the amount | your credit limit | the spending limit your bank sets | any limit your bank sets on transfers | Klarna's decision | nothing of its own; each instalment is paid separately |
| If the goods are not as agreed | section 75 claim against the card issuer, as well as against the seller | chargeback, under card scheme rules | your claim is against the seller only | section 75 is available on regulated agreements, says the FCA | your claim is against the seller |
| Recalling the payment | reportable if unauthorised, within 13 months | reportable if unauthorised, within 13 months | not possible once your bank has received it | under your agreement with Klarna | each instalment is paid online, under the rules of the method you use |
Cards: the limit, and what a credit card adds
Raising the limit. Your card issuer sets a credit limit on a credit card, and your bank may cap what a debit card can spend. Ask for a temporary increase before you order, not when the checkout declines the card. Paying with Apple Pay changes nothing: it is the same card, with the same limit.
Section 75. When you pay some or all of the price by credit card, the card issuer is jointly liable with the seller for misrepresentation or breach of contract (Consumer Credit Act 1974, section 75). It applies to a single item with a cash price over £100 and up to £30,000 (section 75(3)(b)), and, as the Financial Ombudsman Service points out, "even if you only made part of the payment using credit". Check the cash price of the set against these limits. In 2007, the House of Lords held that section 75 also covers purchases from suppliers abroad (Office of Fair Trading v Lloyds TSB Bank plc).
Debit cards. Section 75 does not apply to them. Your bank may still help through chargeback, which follows each card scheme's rules; the Financial Ombudsman Service says "You usually have around 120 days to raise a chargeback about goods or services."
Unauthorised payments. Tell your bank without undue delay, and no later than 13 months after the debit date (Payment Services Regulations 2017, regulation 74). It must refund you "as soon as practicable, and in any event no later than the end of the business day following" the day it becomes aware of it (regulation 76).
Bank transfer: no card limit, but final
How it works with us. At checkout, choose bank transfer. Our bank details are emailed to you as soon as your order is placed, with the exact amount to transfer and a summary of your order. Quote your order number as the payment reference: that is what links the payment to your order. As soon as your transfer arrives, we confirm it by email, then the Onyx Forged design office sends you the measurements of your wheels. Nothing is machined before you agree to these measurements. The delivery time runs from receipt of the transfer, and at the earliest from your approval of the measurements, the colour or the 3D render you asked for, under article 5.1 of the Terms and Conditions; our UK delivery page sets it out.
It is a payment in euros. Our checkout shows a UK order in pounds, but the bank transfer is in euros. From a UK account, that makes it an international payment: your bank converts from pounds and may charge a fee, so ask it first. The email with our bank details gives the exact amount to send, your order total in euros; if anything is unclear, ask customer service before you send it.
It cannot be recalled. A payment order "may not" be revoked "after it has been received by the payer's payment service provider" (regulation 83). If you enter a wrong account number, the payment is treated as correctly made; your bank is not liable, "must make reasonable efforts to recover the funds", and may charge for this if your account terms allow it (regulation 90).
Name checks. Confirmation of Payee, the name check you see in your banking app, covers "UK domestic payments", says Pay.UK; a euro transfer to an account abroad may not be checked. So compare the account holder's name and details with the email you received with your order. If a message, even in our name, gives you different bank details, send nothing and check with customer service through our contact page, not through that message.
If you pay from the euro area. Since 9 October 2025, Regulation (EU) 2024/886 has required banks in the euro area to check the payee's name against the account before you authorise a euro transfer, free of charge. You may still go ahead after a mismatch warning, but your bank is then not liable if the money reaches the wrong account.
Spreading the cost: two different things
Klarna, at checkout. When you choose Klarna, the checkout sends you to Klarna, which sets out its options and decides, after you place the order, whether to accept you. That is why we always write "subject to acceptance", and never quote a number of payments or a cost: they depend on Klarna and on you. Since 15 July 2026, the FCA regulates this kind of lending, which it calls deferred payment credit, when the lender and the seller are different businesses: lenders must check that you can afford to repay and give you key information first, complaints can go to the Financial Ombudsman Service, and "Section 75 of the Consumer Credit Act is available". Agreements made before that date remain unregulated. Read Klarna's terms before you accept them.
Our own instalments, on quotation. This is a different arrangement: 3 interest-free instalments on quotation: 40% on order, 30% 10 days after the deposit, 30% 21 days after the deposit. It applies to quotations calculated online by our configurator; a quotation drawn up by hand (a three-piece project, dimensions outside the grid, a colour on request) sets its own schedule. Each instalment is requested by email, with its payment link, and everything is paid before delivery, with no fees or interest when each instalment is paid on its due date (Terms and Conditions, article 4.2). It is not a loan, and nobody but us has to accept it. As each instalment is a separate payment, it also eases the pressure on your card limit.
Which way suits which situation
- Your limit covers the price: a credit card gives you section 75 as well as your rights against us.
- Your limit is too low but the money is in your account: ask for a temporary increase, or pay by bank transfer and check the details before you send.
- You want to spread the cost without borrowing: use the configurator and its quotation.
- You want longer to pay: Klarna, subject to acceptance, once you have read its terms.
What the way you pay does not change
No 14-day cancellation for a set made to order. The usual cancellation period ends 14 days after the goods reach you (Consumer Contracts Regulations 2013, regulation 30), but it does not apply to "the supply of goods that are made to the consumer's specifications or are clearly personalised" (regulation 28(1)(b)). Until the order is sent to production, either side may still withdraw on the terms of article 3.3 of our Terms and Conditions (in French), subject to the cancellation fee it sets; the rest of what you paid is refunded to the payment method you used.
Your rights in the goods remain. Under the Consumer Rights Act 2015, goods must be of satisfactory quality, fit for purpose and as described (sections 9 to 11), and the short-term right to reject runs for 30 days after delivery (section 22). Paying by transfer or with Klarna takes none of this away. For damage after delivery, our guide to tyre and wheel protection explains what each kind of cover pays.
Frequently asked questions
Can I buy alloy wheels on finance?
Klarna is offered at our UK checkout, subject to acceptance and on its own terms. Our own instalments on quotation are not finance: everything is paid before delivery.
Why is my card declined when I have the money?
Because the card's limit, not your balance, has been reached. Ask for a temporary increase, or choose bank transfer at checkout.
Does section 75 cover a set of wheels bought from abroad?
It can: it covers credit card purchases from suppliers outside the UK, for a single item with a cash price over £100 and up to £30,000.
Can I cancel a bank transfer?
Not once your bank has received it (regulation 83). Check every detail before you confirm.
Does paying in instalments delay delivery?
Not if each payment is made on time. With Klarna, as with a card, the delivery time runs from payment at checkout; on a quotation, from the deposit, and a late instalment suspends it; by bank transfer, from receipt of the transfer; in every case, at the earliest from your approval of the measurements (Terms and Conditions, article 5.1).
Where to go next
How much forged wheels cost explains what drives the price, the catalogue shows the designs, and the configurator calculates a quotation online. Payment questions are answered in our FAQ; for anything else, contact customer service.
Sources
- Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013: regulation 28 and regulation 30.
- Consumer Rights Act 2015: sections 9 to 11 and section 22.
- Consumer Credit Act 1974, section 75.
- Payment Services Regulations 2017: regulations 74, 76, 83 and 90.
- Financial Ombudsman Service, goods and services bought using a debit card or credit.
- House of Lords, Office of Fair Trading v Lloyds TSB Bank plc and others, 31 October 2007.
- Pay.UK, Confirmation of Payee.
- Financial Conduct Authority, buy now pay later.
- Regulation (EU) 2024/886 on instant credit transfers in euro, Article 5c of Regulation (EU) No 260/2012.
All pages were read on 21 October 2026.
The Onyx Forged design office.
