Our pay-on-completion model and your rights as a customer
Vector Construction Installations Ltd — Company No. 17132416 Last updated: 3 July 2026 24 Edgehill Road, Chislehurst, BR7 6LB
1. How Our Payment Process Works
Vector Construction Installations Ltd operates on a pay-on-completion basis for all card payments. This means:
01
Work Completed
Your construction or installation work is fully completed at your property.
02
You Inspect
Our team walks you through the completed work and you have the opportunity to raise any concerns.
03
You Confirm
You tick a confirmation checkbox confirming you are satisfied with the work.
04
Payment Requested
Only then is card payment requested via our secure embedded checkout.
1.1(a) Any deposit or advance sum required to secure materials, scheduling, or labour is collected separately by bank transfer only, and is never processed through our card/embedded checkout facility.
1.1(b) Our embedded checkout is only ever used once the construction or installation work has been physically completed at your property.
1.1(c) Card payment is only requested from you after you have had the opportunity to inspect the completed work and confirm that you are satisfied with it.
1.2 This policy governs card payments taken through our embedded checkout on a pay-on-completion basis. Deposits paid by bank transfer prior to work commencing are governed separately by Clause 3.4 of our Terms and Conditions.
2. Your Review & Confirmation Before Payment
2.1 Before requesting card payment, our team will walk you through the completed work, demonstrate that installations are functioning correctly, and give you a reasonable opportunity to raise any concerns, snags, or defects on the spot.
2.2 Any snags or defects identified at this stage will be rectified before payment is requested, wherever reasonably possible, at no additional cost, provided they relate to the original agreed scope of work.
2.3 You will not be able to complete card payment through our checkout without first ticking a mandatory confirmation checkbox, which reads substantially as follows:
“I confirm that the work described has been completed to my satisfaction, that I have had the opportunity to inspect it, that any concerns have been raised and addressed prior to payment, and that I agree to Vector Construction Installations Ltd’s Refund & Cancellation Policy and Terms and Conditions. I understand that by proceeding with payment, I am confirming acceptance of the completed work.”
2.4 Payment cannot be submitted through our checkout unless this checkbox has been actively selected and your name, job reference, and contact details have been entered. This record is retained by us as evidence of your confirmation.
3. What This Means for Refunds
3.1 Because card payment is only requested after you have inspected and confirmed satisfaction with the completed work, and because you have actively ticked the confirmation checkbox in Clause 2.3 before paying, card payments are treated as payment for Services already delivered and accepted by you.
3.2 Refunds will only be considered where:
(a) a genuine fault or defect is identified after payment that could not reasonably have been identified during the on-site inspection in Clause 2.1, and is reported to us in writing within a reasonable time of discovery;
(b) the work performed materially differs from what was agreed in the original quotation or job scope; or
(c) we are required to provide a refund by law.
3.3 We will not provide a refund on the basis of a change of mind, dissatisfaction with price after having already confirmed satisfaction and completed payment, or any issue that was reasonably visible and could have been raised during the pre-payment inspection under Clause 2.1.
4. Your Statutory Rights Are Not Affected
Important
Nothing in this policy removes or reduces your statutory rights under the Consumer Rights Act 2015 to have Services performed with reasonable care and skill, or under the Consumer Contracts Regulations 2013 where those Regulations apply to your contract with us.
4.2 By confirming satisfaction and actively agreeing to this policy before making payment (Clause 2.3), you acknowledge that you have already had a fair and reasonable opportunity to review the Services before being asked to pay, which we will rely on as strong evidence of your acceptance of the completed work in the event of any subsequent dispute or chargeback.
5. Chargebacks
5.1 If you have concerns about completed work after payment, you agree to contact us first at vector_construction_services@outlook.com or +44 7597 579625 and give us a minimum of 14 days to investigate and, where appropriate, remedy the issue, before raising a chargeback or payment dispute with your card issuer or bank.
5.2 Where a chargeback is raised in circumstances where: (a) you actively confirmed satisfaction via the checkbox process in Clause 2.3 prior to payment; (b) no genuine defect meeting the criteria in Clause 3.2 has been identified; and (c) you did not first raise the matter with us in accordance with Clause 5.1 — we will treat this as an invalid or unauthorised chargeback and will provide our payment service provider with all relevant evidence, including your ticked confirmation, job photographs, invoices, and correspondence, to contest it. We reserve the right to pursue recovery of any resulting losses, including chargeback administration fees, where a chargeback is found to be unfounded.
5.3 This clause does not prevent you from exercising any right you have under Section 75 of the Consumer Credit Act 1974 or equivalent card scheme protections where a genuine issue with the Services exists and has not been resolved by us directly.
6. Deposits Paid by Bank Transfer
6.1 Any deposit paid by bank transfer prior to work commencing is not covered by this policy and is instead governed by our Terms and Conditions, since bank transfers are not processed through our card checkout facility.
7. How to Raise a Concern
If you are unhappy with completed work after payment, please contact us with your name, job/invoice reference, date of the job, and details of your concern. We aim to acknowledge all concerns within 5 working days and resolve them within 14 days wherever possible.
This policy is governed by the law of England and Wales, and any dispute arising from it is subject to the exclusive jurisdiction of the courts of England and Wales, in line with Clause 11 of our Terms and Conditions.