Pet Payments

Take the stress out of paying for your pet

All of this with every Pet Payment

Pet Health Guarantee

6 months protection against critical illness

Payment Protection

Get a full refund if you don't receive your chosen pet

Easy payment

Pay by card, not fiddly bank transfers or cash

Pet perks

Exclusive access to #1 puppy training app Zigzag, 35% off the Wisdom Panel DNA tests and 5 weeks of free Agria pet insurance!

Trusted sellers

Purchase from ID verified breeders only

Help us keep Pets4Homes safe

And make traceable payments that bad breeders don't like

of new pet parents like you loved our payments service

96 %

What do our new pet parents say?

How to use Pet Payments

1

Find your dream dog or cat on Pets4Homes
2

Press the 'Ask to reserve' button on the advert or in chat
3

The ID verified breeder accepts the request
4

Pay the full amount for the pet up front plus a Guarantee fee

And get your Pet Perks plus protection against fraud and critical illnesses
5

Any deposit goes to the seller, we secure the rest until collection
6

Confirm collection in chat to release the final payment
7

Enjoy your life together with your new pet!

Pawesome perks with every Pet Payment

For puppy parents:

5 weeks free pet insurance with Agria

5 weeks free insurance cover for illness and injury for your new pet, with vet fees cover up to £4,000
Access to qualified veterinary nurses through the Agria app via video call, 24/7
No maximum age limit on the pet you insure
Easily continue onto full lifetime insurance with continuous cover for conditions that started during your free cover

"Just wanted to let you know that I received fantastic service today from Keighley Thomas. She was extremely knowledgeable and explained everything in detail, which allowed me to make an informed decision to buy a policy for equine insurance today. Absolute pleasure to deal with and a great example of excellent customer service!"

Honest and transparent it felt, no skirting round issues. Transferred my other kitten to the policy with a discount that her existing company did not offer. Spent a lot of time reassuring me and explaining how it works etc.

As always Agria are so helpful. Came back to them with a new puppy because the were so good with us last year when we sadly lost our dog.

For training your puppy:

Exclusive access to Zigzag to help you prepare for your pup's arrival

Get an extra 7 days of this:

An absolute MUST! One of a kind dog training app. I thought I had a good idea of how to train a dog until I got this app.

The option of phoning an experienced trainer at any moment is a lifesaver and blows any other training app out the water... My pup is so much more ahead than any other dog her age - no one can believe that she is still a puppy...

I can confidently say that it has made us all so much happier and more confident.

This is an excellent app. The information is useful and easy to understand.

The coaches are helpful and knowledgeable and respond quickly to questions.

As a retired educationalist I value accurate and reliable information that can be validated in many different fields of study. I have had a challenging puppy and the support provided has been reassuring and encouraging.

Helpful lessons, good library of resources and easy to use app. I would highly recommend.

Live chat saved us from toilet troubles

The app and lessons are great and really set expectations for each of the stages of puphood. However the live chat is a actual life saver, super responsive and real actionable advice. 10/10

For getting to know your pet even better!

Exclusive discount off Wisdom Panel DNA tests

Backed by 20+ years of research, Wisdom Panel is the leading pet DNA test service that provides pet owners with vital insights into health, relatives, breed, and more.

Get 35% off:

“Test kit arrived very quickly. Easy to take samples with clear instructions. One of my dogs’ results showed 24 different breeds, and for the other dog they identified 21 breeds. I was very pleased with how thorough the testing had been and with the results as it has helped me to understand the dogs more by knowing the highest % of breed types in their makeup. Well worth every penny.”

“Very impressed with this service. The DNA results were very accurate and also found out a lot of details about my dog including the 11 different breeds within his DNA all of which are apparent visually but I was never quite sure. Would definitely recommend.”

“Excellent service from Wisdom panel, it took just 2 weeks to receive my dog's detailed DNA results. Very pleased, have ordered another test for my other dog.”

We are there for you when you need it

Elizabeth's story

Elizabeth thought she had found the perfect puppy, a beautiful golden retriever. She went to visit, the breeder said yes to rehoming the puppy, and so she did what anyone would do, she paid for her pup. Only for the breeder to turn around and sell Elizabeth’s puppy to someone else! Thankfully Elizabeth paid via Pet Payments so Pets4Homes gave her a full refund so she could find another pup when she was ready.

James’ story

He found a wonderful bishon friese pup. But just as soon as James brought him home the worst happened - sickness, diarrhoea and weakness. The vet confirmed as much, it was parvo virus and the poor pup sadly passed away the following day. James did the right thing and contacted the seller but the seller refused to give a refund! However, James used Pet Payments so he was covered under the Pets4Homes Guarantee and we provided him a full refund, which he put towards vet bills. And it meant that we had the paper trail we needed to take action against the seller.

Alan's story

The Pet Payments system is reliable and effective for both the vendor and the per purchaser. This was demonstrated most effectively by an earlier failed arrangement, where the owner just couldn't part with her doggy and cancelled the sale. We got everything back immediately. Most happily, yesterday's closing out, on collection of our lovely Pomsky went well, with the escrow funds clearing to the vendor extremely quickly, once we had confirmed collection of the dog. Thank you.

Frequently asked questions

What is Pet Payments?

Pet Payments in Pets4Homes is a secure online payment system designed to facilitate transactions between pet buyers and sellers on the Pets4Homes platform. It aims to provide a safer and more convenient way to handle payments for pets, ensuring that funds are securely held until both parties are satisfied with the transaction. This system helps to prevent fraud and provides peace of mind by guaranteeing that payments are only released once the buyer has received the pet as described. There is perks for both buyers and sellers. You can read more about sellers perks here.

What exact protections are included in the when using Pet Payments?

1. Protection against critical health problems

We strive for every pet rehomed on Pets4Homes to be in the best health possible. But sometimes the worst does happen. If your new pet gets critically ill within 6 months as a consequence of how it was bred and raised, we will provide a full refund so you can focus on caring for your pet. This also covers instances where a pre-existing condition is discovered that the seller was either aware of, or should have been aware of, and is clearly affecting the pet’s quality of life.
Please read our terms and conditions carefully for full details.

2. Protection for your payment

If you pay for your pet and then never receive your pet, for example, if the seller backs out or they turn out to be a scammer, you will receive a full refund of your payment. Ensuring you and your money are kept safe.

3. Pet perks

We work with partners to provide you with some helpful pet perks to get you started with your new family member.

Please read the full terms and conditions of the Pets4Homes Guarantee to understand when you are and are not covered.

How much does it cost to use Pet Payments

We will charge a percentage fee (up to 7.5%) on top of the price of the pet which covers you against critical illness and any fraud.

There is a minimum fee charge of £10.

Do I need to view the pet before paying?

No, but we always recommend you view a puppy or kitten at least once before collection whether you use Pet Payments or not. That way you can be sure the pet is a good fit for you and that it is being raised with good welfare and with its mum.

Where is my money held? Is it safe?

Yes! While we transfer any deposit directly to the seller, we hold the non-deposit portion of the payment in a protected, “safe-guarded” bank account with our partner Stripe. The only time it is moved is when you confirm collection and we make the transfer to the seller.

Where can I learn more?

You can learn everything you want to know about our payments service in our Pet Payments portal.

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Pet Media Ltd trading as Pets4Homes is an Appointed Representative of Agria Pet Insurance Ltd, who administer the insurance. Agria Pet Insurance is authorised and regulated by the Financial Conduct Authority, Financial Services Register Number 496160. Agria Pet Insurance Ltd is registered and incorporated in England and Wales with registered number 04258783. Registered office: First Floor, Blue Leanie, Walton Street, Aylesbury, Buckinghamshire, HP21 7QW. Agria insurance policies are underwritten by Agria Försäkring who is authorised and regulated by the Prudential Regulatory Authority and Financial Conduct Authority.

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