Vendor Payment: Who Pays, When & How to Keep Your Wedding Budget on Track
Paying wedding vendors can feel like a maze, especially when you’re juggling dresses, venues, and a guest list. The good news? You don’t have to guess who pays what or when. In this guide we break down the usual payment responsibilities, timing tips, and simple tricks to keep your budget stress‑free.
Who Usually Foots the Bill?
Most couples assume the bride’s family covers everything, but today the split is anything but set in stone. Here’s a quick look at the common splits:
- Venue and catering: Often paid by the groom’s side if they’re the ones hosting the reception, but many couples split costs 50/50.
- Photographer and videographer: Typically a joint expense, especially when both families want a professional record.
- Dress and groom’s attire: Traditionally the bride’s family takes the dress, but many modern families split or let each partner pay their own outfit.
- Music, décor, and transport: These can be divided based on who has the stronger budget or who cares most about the item.
What matters most is clear communication early on. Sit down with parents, discuss their comfort level, and write down who’s handling each vendor. A simple spreadsheet can save a lot of awkward conversations later.
When to Pay: Timeline and Tips
Vendors usually ask for a deposit to lock in your date, then a final payment a few weeks before the wedding. Here’s a timeline most couples follow:
- 6‑12 months out: Pay deposits (often 20‑30% of the total). Get a written contract that spells out the amount, due dates, and cancellation policy.
- 3‑4 months out: Pay the second installment if the vendor splits the cost. This keeps cash flow steady and shows you’re serious.
- 1‑2 weeks before: Settle the balance. Some vendors accept credit cards, but a bank transfer can avoid processing fees.
Pro tip: Keep a dedicated wedding budget folder—digital or paper—and store every receipt, invoice, and email. When you see a payment due, you’ll know exactly where the money is coming from.
Another smart move is to ask for a payment schedule in the contract. Some vendors are flexible and can spread out payments if you need a little breathing room.
Don’t forget taxes. If a vendor isn’t VAT‑registered, you won’t see tax on the invoice, but you should still budget for it in case you need to remit later.
Finally, double‑check the payment method. PayPal and credit cards are convenient, but they can add a 2‑3% fee. If you’re tight on budget, a direct bank transfer usually saves a few pounds.
Sticking to a clear plan for who pays what, when, and how will keep your wedding day focused on love—not money worries. Talk openly, write everything down, and stick to the schedule. Your vendors will appreciate the professionalism, and you’ll walk down the aisle with peace of mind.
