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 310, you can pay using Klarna. The following payment methods are available when paying with Klarna:

Pay in 3

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. Select the Klarna option and enter your debit or credit card information.

Pay in 30 days

Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees, when you pay on time.

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 2,217 to 89,000, 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") (FRN 706272) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by 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 Payment Services Regulations 2017 (firm reference number 987816). 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 4,434 - 133,000, 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.

Struggling with Finance Payments?

If you're experiencing difficulties in meeting your finance payments, it's important to seek help early.

We understand that circumstances can change, and we're here to support you. If you're struggling to make your payments, please contact us as soon as possible to discuss your options. Additionally, you can seek free and confidential advice from trusted organizations such as Stepchange, National Debtline, and Citizens Advice. These services offer support tailored to your needs, including assistance for vulnerable customers, to help you manage your finances and find a sustainable solution.

VAT & Customs

Prices include VAT unless stated. We are registered for VAT in 22 countries, and the rate of VAT applied to your order will always be clearly shown.

If you are ordering from outside the United Kingdom, European Union, Norway or Switzerland, we will show the price we will charge excluding VAT, plus the total amount including VAT that we expect you will pay when the goods are delivered. Gear4music will not collect the actual VAT amount or any import duty payable – this will be collected by your local customs office, and Gear4music are not liable to pay any additional import charges that may be imposed by couriers or customs.

Country	Standard VAT rate	VAT included?	Further customs charges?
Austria	20 %	YES	NO
Belgium	21 %	YES	NO
Bosnia Herzegovina	17 %	NO	Possible*
Bulgaria	20 %	20 % UK VAT included	NO
Croatia	25 %	YES	NO
Cyprus	19 %	20 % UK VAT included	NO
Czech Republic	21 %	YES	NO
Denmark Faroe Islands Greenland	25 % 25% 0%	YES NO NO	NO possible* possible*
Estonia	20 %	20 % UK VAT included	NO
Finland Åland Islands	24% -	YES NO	NO Possible*
France	20 %	YES	NO
French Oversea Departments	local VAT system	The Oversea Departments are not part of the EU territory for the purposes of VAT	Possible*
Germany	19 %	YES	NO
Gibraltar	0 %	-	Possible*
Greece	24 %	YES	NO
Hungary	27 %	YES	NO
Iceland	24 %	NO	Possible*
Ireland	23 %	YES	NO
Isle of Man	20 %	Imports into the Isle of Man from the EU are free from duty and VAT.	NO
Italy	22 %	YES	NO
Latvia	21 %	20 % UK VAT included	NO
Lithuania	21 %	20 % UK VAT included	NO
Luxembourg	17 %	20 % UK VAT included	NO
Malta	18 %	YES	NO
Netherlands	21 %	YES	NO
Norway	25 % 0%	YES -	NO NO
Poland	23 %	YES	NO
Portugal	23 %	YES	NO
Romania	19 %	YES	NO
Serbia	20 %	NO	Possible*
Slovakia	20 %	YES	NO
Slovenia	22 %	YES	NO
Spain	21 %	YES	NO
Spain – Canary Islands	0 %	The Canary Islands are not part of the EU territory for the purposes of VAT	Yes, IGIC and/or AIEM tax
Sweden	25 %	YES	NO
Switzerland	7.7 %	YES	NO
Turkey	18 %	NO	Possible*
United Kingdom	20 %	YES	NO

* All orders are sold on a delivery duty unpaid basis, so please be aware that if you are ordering from outside the EU, Norway or Switzerland you may have to pay import duty or other taxes. Our local delivery partners may also charge fees for processing import duties.