Terms & Conditions

New Customers

New Customers are strictly cash on delivery for the first three months of trading with Panino unless a credit account has been specifically agreed.  

Credit Accounts

Accounts will be set up only on the approval of your credit application. Our maximum credit facility is £500 subject to agreement. Application for an account with the company will be taken to signify acceptance of these Terms & Conditions of sale by the customer.

All credit accounts must be paid by the 14th of the month following delivery, settlement in accordance with our terms is necessary to ensure continuity of supplies. Overdue accounts will be charged 8% interest per month. All bank charges incurred by Panino for handling of returned or re-presented cheques will be charged at £25.

Please note: Failure to comply with these account terms will mean suspension of account facilities.

Standard Terms are 30 days from Date of Invoice.

Gocardless Accounts

Our Terms will remain the same when using GoCardless – All credit accounts must be paid by the 14thof the month following delivery, this will be taken by Direct Debit rather than customers making online payments via BACS or cash on delivery. You will continue to receive statements as normal to allow you to see which invoices will be taken in the next payment.


All goods should be checked for shortages or damages at the point of delivery and any goods missing should be noted on the delivery note and reported to the office immediately.

Our employees do not accept responsibility for examining or controlling your stock at time of delivery. All invoiced good will remain property of Panino until we have received effective payment in full for the goods. Nevertheless, all risk in the goods shall pass to the customer when goods are delivered to the customer’s premises. Frozen goods can only be returned at time of delivery.