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Nursery only accepting payment by bank transfer

32 replies

RavenAndBust · 01/02/2026 10:03

As it says above-- I assume, as a money saving measure (to avoid PayPal and Merchant card fees), our Nursery has now said they only accept monthly payments via bank transfer.

Now, this is never usually an issue! We always pay on time, and via bank transfer, since they began asking for it a few months ago.

HOWEVER: Cue car trouble. Thousands of pounds outlaid to rescue it. Fine. Okay. I'll pay the nursery bills on credit card this month, and we'll catch up next month.

...but I can't pay by credit card because they only accept bank transfer.

Would I be unreasonable to ask if I can pay them via card this month? And would they legally be allowed to refuse?

I very much appreciate them trying to retain as much of their income as possible; it's expensive running a nursery! But life happens to us too, you know?

OP posts:
RavenAndBust · 01/02/2026 10:15

WolfFoxHare · 01/02/2026 10:05

Is it too late to put some or all of the car expenses on your card instead?

It is too late! I didn't even think it would be an issue. We've had a very expensive 4-5 months that has ended up depleting our savings, which is okay; just one of those things. I find it immensely frustrating to know we can afford to pay the bill...but they wouldn't accept credit card? We've been at this nursery for 6 years, and they're very good.

OP posts:
SeventeentoEleven · 01/02/2026 10:07

Transfer money to yourself / your husband via PayPal from your CC. That's what I do.

toomuchfaff · 01/02/2026 10:07

Can you pay the car on credit card?

Businesses dont legally have to offer methods of payment such as credit card, but they accept it may mean customers dont purchase services. Your nursery doesnt offer this payment method. Your garage more likely does.

Can you ask for late payment, or get the money from elsewhere for once? Or make any other payments such as shopping on the CC to enable you to pay by bank.

Shift things round to accomodate

BlueMum16 · 01/02/2026 10:06

Pay other bills with the credit card to free up money for nursery
I think you can often get a zero % cash advance on a credit card too - pay that to your bank and then pay nursery.

RockyRoadster · 01/02/2026 10:06

They have probably cancelled their facility to take card payments to save on the fees, so they won’t be able to process it.

WolfFoxHare · 01/02/2026 10:05

Is it too late to put some or all of the car expenses on your card instead?

Scared0112 · 01/02/2026 10:05

Tried to pay a family member nursery bill last year a they couldn’t afford after unexpected trouble. Imagine my shock to find they’d rather serve her notice than take my credit card?! It was bank transfer or nothing. I honestly couldn’t believe it under the circumstances.

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