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Payment Methods

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Payment Options - Online

We are able to accept the following payment methods online:

  • Credit/Debit Cards (We cannot however take any telephone orders under any circumstances)
  • Paypal
  • Finance (V12 Retail Finance)
  • Cycle to Work Schemes (Cyclescheme, Bike2Work, Cycleplus, SME HCI, On Your Bike)

Payment Options - In Store

We are able to accept the following payment methods In Store:

  • Credit/Debit Cards
  • Finance (V12 Retail Finance)
  • Cycle to Work Schemes (Same as Online with the addition of Halfords Vouchers and Salary Extras)
  • Gift Vouchers

Paying by Card

We accept payment from the following card providers:

  • Visa
  • Mastercard
  • Electron
  • Delta

We are unable to accept payment with American Express In Store or Online

Online payment is captured at point of purchase, but is not released from your bank until the order processed.

Sagepay - Online Payment Provider

Hargroves Cycles use Sagepay as its online payment gateway who provide a trusted, secure and reliable payment method for purchasing.

Transactions will go through the following fraud checking procedures

  • We perform an initial card and address details check to make sure the card is registered to the customer and the billing address they have provided
  • 3D - Secure also known as Verified by Visa and Mastercard Secure Code - This is a check that allows a password to be used for additional security and protection. If your card provider is operating this scheme you have the option of registering a password, or if you already have a password, you will be prompted to enter upon checkout.
  • We also use another layer of fraud checking built into Sagepay called 3rd Man which checks addresses and customer details for any known threats and provides a risk score. We use this advice to make additional fraud screening precautions.


We accept PayPal as a payment option.

PayPal is one of the largest payment providers in the world and is a very well trusted and efficient way of paying for orders online. Making mobile payments easier also, PayPal provides a quick and secure way of paying on the go.

Returning orders made with PayPal are limited to 60 days as PayPal limit the amount of time we are able to refund money in.

Finance at Hargroves Cycles

Hargroves Cycles LTD are licensed credit brokers "Licence Number: 476598". Credit is subject to status and is available to permanent UK residents only. Finance will be provided and administered by V12 Retail Finance Limited Registered in England Number 4585692. Registered Office: V12 Retail Finance Limited, 20, Neptune Court, Vanguard Way, Cardiff, South Glamorgan, CF24 5PJ. The retailer is Hargroves Cycles Ltd. Written terms available on request.

Applying for Finance Online

Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase (threshold £280 or above must include at least one eligible product), simply complete a brief on-line application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

FAQ's about Online Finance


We offer 0% Finance on items over £275 RRP. This includes:

- 6 Months 0% on £275 and up
- 12 Months 0% on £275 and up
- 18 Months 0% on £500 and up
- 24 Months 0% on £1000 and up
- 36 Months 0% on £2000 and up.

We also offer 15.9% Classic credit on sale items. This is available with 12, 24 and 36 Month options

Once your application is approved you will be prompted to electronically sign your finance agreement & will then be directed to pay your chosen deposit online. Once complete we receive your order and it will be processed.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

These are some of the factors that influence a declined application.

1. The overall Credit Check Score
2. Adverse credit reference agency information
3. You are considered to be over-committed
4. You are aged under 19
5. Your existing account performance with other lenders

The minimum deposit is 10% of the value of the basket. The maximum is any amount that will leave a remaining balance of £280 e.g A Bike worth £3000 can have a £2720 deposit.

The first payment will come out a full calendar month after the date you signed the electronic agreement.

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

After you have signed your agreement you have 14 days in which you are able to cancel the finance. Cancellations cannot be made after this.

You can change your order to something of equivalent value only. Any additional costs would have to be paid for separately, but we cannot refund any amount after the application has been agreed,

Cycle to Work Scheme

Hargroves Cycles participates in many Cycle to Work Schemes that allow employees to buy bikes tax-free and employers to offer extra initiatives to their staff.

We are partners with the following Cycle to Work providers:

For more details about the Cycle to Work scheme and how to order please visit our Cyclescheme Page

Secure Shopping

The Hargroves Cycles website is secured by a Comodo Extended SSL certificate, which means that all transactions are secure, private, and tamper-proof. Any payment details provided are encrypted and are not stored or available to view by Hargroves Cycles employees.


We offer online refunds of up to 365 days providing that the item is new and unused and has its original packaging.

Refunds will be made to the original payment method and can take 2-4 working days to appear back in your bank account.

Orders made through PayPal can only be refunded up to 60 days because of the restriction the PayPal service has.

For more information about Returns please visit our dedicated Returns Page.