A Bike Hub Pay payment is tied to the specific deal it's made for. We can't hold it or move it to a different item or a future deal.
If you'd rather buy something else, just cancel the current deal. We'll refund you in full by EFT, and you can pay again when you start the new deal.
Your protection on the current deal is unchanged in the meantime: your payment is held securely until the item is delivered and you've had 48 hours to inspect it.