“90 Day Fiancé” stars Sarper and Shekinah just pulled a fast one on fans — ditching the aisle for a “bedding” ceremony instead … and now they’re telling us it’s all about that between-the-sheets bliss.

TMZ caught up with the reality duo, and they tell us they’re so obsessed with bed life, they even eat all their meals there — adding that if you know them well, a “bedding” ceremony tracks … anything less would’ve been off-brand.

Catch the clip — they break down why the whole idea of marriage freaks them out, and how this unconventional route makes it way less terrifying.