Paying your wedding suppliers – are you covered?
When it comes to paying your wedding suppliers, it’s important to ensure that everything runs as smoothly as possible and that you’re covered in case of any problems. Here are our top tips…
Get everything in writing
Be sure to confirm all costs in writing over email, including any important details. This should include whether VAT is included, how much the deposit is, and when your final payment is due. You should also receive a written contract to sign, but emails are easier tto refer to. It’s important to note that if you’re enquiring about suppliers’ costs early on, prices may change year to year, so be sure you’re getting the right quote for your wedding year.
Paying on a credit card
The safest method of paying for a wedding supplier is by credit card, as you’ll be covered if the supplier goes bankrupt or if they fail to provide your service. Credit card payments usually incur a processing cost, so you may be charged a fee for paying via credit card.
Paying via cheque, debit card or bank transfer
Although not automatically covered like a credit card payment, these methods of payment are the next safest options, as they’re easily traceable by your bank. If you want an extra layer of safety, we strongly recommend taking out wedding insurance to ensure that none of your money is lost if the worst should happen.
Paying via PayPal
Smaller wedding suppliers may ask you to pay via PayPal, which can be a safe option if used properly. You should always pay using the ‘Goods and Services’ option, NOT ‘Family and Friends’, as the latter isn’t protected. Also bear in mind that you’ll need to open any dispute within 180 days of purchase.
Paying with cash
Paying your wedding suppliers in cash is a double-edged sword. On one hand, some suppliers give a discount if you pay them in cash, as they avoid card processing fees. On the other, it’s by far the riskiest way to pay. Cash isn’t traceable, so if your supplier goes bust or disappears with your money, your bank can’t recover it. Some wedding insurance will cover cash payments, but you’ll need to check your policy carefully.
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