Payment and delivery

Payment options

We understand that weddings can cost an arm and a leg. So we offer a range of flexible payment options, which should help with your cash flow in the run up to the big day.

Paying the deposit when you place your order

When you place your order with one of our Smooch Advisers, we’ll ask for a third of the total cost. This can be paid by credit card, cheque or cash. You can also pay by bank transfer if you’d prefer.

Paying the balance of the ring price

The balance is the price of your rings minus the deposit you’ve already paid.

You have two main options when it comes to paying the balance; you can discuss these options further with your Smooch Adviser and decide which one you’d prefer.

Option 1: Pay the balance in one go

When the rings are ready to be delivered to you, we’ll text to tell you and to ask for the balance which can be paid using our payment link    Please use the order number as the reference.

If you paid your deposit by cheque or cash, you can make a card payment over the phone. We also accept cheques and bank transfers – please call us for more information.

We’ll then post your rings to you by Special Delivery (and will text you again so you know they’re on their way). The gifts for your bridesmaids and Best Man will be in the same package.

Option 2: Spread your payments with our interest-free payment scheme

We don’t do any credit checks and this isn’t a hire purchase (HP). All we do is take a Direct Debit payment each month without any interest whatsoever. You can spread your payments over any period up to two years.

So if your balance is £350 and you want to pay it off over ten months, you’d just pay £35 a month. Payments are usually set up for the first day of each month, but we can easily agree a different day that suits you better.

Once you’ve paid the balance, we’ll post your rings to you by Special Delivery (and will send you a text so you know they’re on their way). The gifts for your bridesmaids and Best Man will be in the same package.


Your rings will be sent by fully insured Royal Mail Special Delivery – usually for delivery on a Saturday (because it suits most of our customers best). Royal Mail Special Delivery guarantees to deliver 98% of packages by 1pm the day after posting.

If you’d prefer your rings to be delivered on a different day, just let your Adviser know (or contact us and we’ll make a note of it). 

If we have problems with receiving the balance payment from you or if your direct debits fail and we are unable to take any more payments, we may, after 2 months of trying to contact you by all means possible, have to dispose of the rings.

Quick FAQs

Q. What payment methods do you accept?

For the deposit (to be paid when you order), you can pay by credit card, cheque or cash. You can also pay by bank transfer if you’d prefer.

For the balance (to be paid when your rings are ready to be delivered to you), you can pay by bank transfer, credit card or cheque. If you’ve paid the deposit by credit card, we’ll automatically use the same card to take the balance. Please contact us if you want us to use a different card.

You can also pay the balance in monthly instalments by direct debit – please see the page on payment and delivery for more information.

The only type of credit card we don’t accept is the Irish Laser Card.

Q. What happens if no one is in to sign for the rings?

The postman will take the parcel back to the nearest sorting office and will leave you a “Something For You” card, which tells you where the parcel is and when it can be collected. All you need to do is take the card and some identification with you. Royal Mail accepts the following forms of identification: 

  • Cheque guarantee/credit/debit card
  • Bank/building society book
  • Valid passport
  • Cheque book
  • Driving licence
  • Photo Identity Card (Foreign National, Military, Police Warrant, Royal Mail Employee)
  • (For under-18s) National Insurance Card, Medical Card or Savings Book

The “Something For You” card might also offer you the option of a redelivery. You can find out more about how redelivery works on the Royal Mail website.

Q. I originally chose to pay in monthly instalments, but now I’d rather pay the entire balance in one go. Is this possible?

That’s absolutely fine. Just contact us to settle the balance (credit card is the easiest method over the phone) and we’ll cancel all remaining direct debits. 

Read all our FAQs