Payment Policy

Effective Date: 1 August 2026 | Last Updated: 1 August 2026

At TWEAK, we strive to make your shopping experience secure, simple and convenient. This Payment Policy explains the payment methods we accept, how payments are processed, and the terms that apply when purchasing products or services through www.tweak.co.nz.

This Payment Policy should be read together with our Terms & Conditions, Shipping Policy, Returns & Refund Policy, Subscription Policy, Privacy Policy, and any other applicable policies published on our Website.

Nothing in this Policy limits your rights under applicable New Zealand law.

1. Accepted Payment Methods

We accept a range of secure payment methods, including but not limited to:

Visa
Mastercard
American Express (where available)
Apple Pay
Google Pay
Shop Pay
Afterpay
PayPal (where available)
Bank Transfer (approved orders only)
Commercial Credit Accounts (approved customers only)

Available payment methods may change without notice.

2. Currency

All prices displayed on our Website are in New Zealand Dollars (NZD) unless otherwise stated.

GST is included in product prices unless clearly indicated otherwise.

Commercial quotations may be provided excluding GST where appropriate.

3. Pricing

We make every reasonable effort to ensure pricing displayed on our Website is accurate.

However, pricing errors may occasionally occur due to:

human error;
technical issues;
supplier price changes;
system updates.

If a pricing error is identified before your order is dispatched, we may:

contact you to advise the correct price;
offer you the option to proceed at the correct price; or
cancel your order and issue a full refund.

We are not obliged to supply goods at an incorrect price where the error is genuine and obvious.

4. Payment Authorisation

By placing an order, you authorise TWEAK or our payment service providers to charge your selected payment method for the total purchase amount, including any applicable taxes and approved shipping charges.

Orders will only proceed once payment has been successfully authorised unless an approved commercial credit account applies.

5. Payment Security

We take payment security seriously.

Payments are processed through trusted third-party payment providers using industry-standard encryption and secure payment technologies.

TWEAK does not store your full debit or credit card details on its own servers.

Payment providers are responsible for securely processing your payment information in accordance with their own privacy and security policies.

6. Fraud Prevention

To protect both our customers and our business, we may undertake fraud prevention and payment verification checks.

These may include:

address verification;
payment verification;
identity confirmation;
fraud detection screening;
additional customer verification where required.

Where suspicious activity is identified, we reserve the right to:

delay dispatch;
request additional information;
cancel the order;
issue a refund to the original payment method.

7. Failed Payments

An order may not be processed if:

your payment is declined;
insufficient funds are available;
your payment method has expired;
incorrect payment information is provided;
fraud prevention systems reject the transaction.

If your payment fails, please contact your financial institution or payment provider before attempting payment again.

8. Bank Transfers

Where bank transfer is available:

payment instructions will be provided after your order is placed;
funds must be cleared before products are dispatched unless otherwise agreed.

Please include your order number as the payment reference.

Orders may be cancelled if payment is not received within the timeframe advised.

9. Commercial Credit Accounts

Approved commercial customers may be offered credit facilities subject to:

successful credit assessment;
completion of a credit application;
acceptance of our Commercial Sales Terms.

TWEAK reserves the right to:

approve or decline applications;
amend credit limits;
suspend credit facilities;
require payment before dispatch.

10. Overdue Accounts

For approved credit customers, invoices must be paid by the agreed due date.

Where payment becomes overdue, TWEAK may, where permitted by law:

suspend further deliveries;
place future orders on hold;
withdraw credit facilities;
recover reasonable debt collection costs;
charge interest on overdue amounts where agreed in writing or permitted by law.

11. Tax Invoices

A tax invoice will generally be emailed after your order has been confirmed or dispatched.

Invoices will normally include:

invoice number;
order reference;
product description;
quantity;
GST (where applicable);
payment information.

Customers should notify us promptly if they believe an invoice contains an error.

12. Refund Payments

Approved refunds will be processed using the original payment method wherever reasonably practicable.

Refund processing times vary depending on your payment provider and financial institution.

Original shipping charges are generally not refundable unless required by law or where the return results from our error.

13. Promotional Discounts

Promotional offers, discount codes and vouchers:

are valid only during the advertised promotion period;
may not be combined unless expressly stated;
cannot be exchanged for cash;
may be subject to additional terms and conditions.

We reserve the right to cancel or refuse promotional discounts where fraud, misuse or technical errors occur.

14. Gift Cards

If TWEAK offers gift cards:

they may only be redeemed for eligible products;
they are not redeemable for cash except where required by law;
lost, stolen or damaged gift cards may not be replaced;
expiry dates may apply where permitted by law and disclosed at the time of purchase.

Additional Gift Card Terms may apply.

15. Buy Now, Pay Later (Afterpay)

TWEAK offers Afterpay as a convenient payment option for eligible purchases.

Eligibility

Use of Afterpay is subject to:

Afterpay approval;
Afterpay’s Terms of Service;
your eligibility under Afterpay’s lending and responsible spending requirements.

TWEAK has no control over Afterpay’s approval decisions.

Payment Agreement

When selecting Afterpay at checkout:

you enter into a separate agreement directly with Afterpay;
your repayments are managed by Afterpay;
you agree to comply with Afterpay’s Terms of Service.

Refunds

If your purchase was made using Afterpay and a refund is approved:

TWEAK will process the refund in accordance with our Returns & Refund Policy;
the refund will be issued back to Afterpay;
Afterpay will update your repayment schedule or refund amounts in accordance with its own policies.

Late Fees

Late payment fees, account restrictions or other charges imposed by Afterpay are governed solely by Afterpay’s terms.

TWEAK is not responsible for any fees or penalties charged by Afterpay.

Afterpay Support

Questions relating to:

instalments;
payment schedules;
account access;
late fees;
payment disputes,

should be directed to Afterpay Customer Support.

Questions relating to your products, shipping, warranties or returns should be directed to TWEAK.

16. Chargebacks

If a payment dispute or chargeback is initiated through your financial institution or payment provider, we may:

suspend order fulfilment while the dispute is investigated;
provide transaction information to the payment provider;
seek recovery of any amounts lawfully owing if the chargeback is determined to be invalid.

We encourage customers to contact us first so that we can resolve concerns quickly and fairly.

17. Taxes and Duties

For New Zealand orders:

GST is charged in accordance with New Zealand law where applicable.

If international shipping is offered in the future:

customers are responsible for any import duties, customs charges, taxes or government fees imposed by the destination country unless otherwise stated.