Last updated: 22 Sep 2026
This page covers how payment works on oatloft.com: what you can pay with, when you are charged, how your details are protected, and what to do if a charge does not look right.
Pricing
All prices on oatloft.com are in New Zealand dollars and include GST where it applies. Delivery within New Zealand is free, so the figure on the product page is the figure you pay at checkout.
We adjust prices from time to time without notice. A price change does not affect an order you have already placed.
Payment methods
- Credit and debit cards: Visa, Mastercard and American Express
- Digital wallets: Apple Pay and Google Pay
- PayPal
- Afterpay
- Bank transfer, for bulk orders only. Email us and we will set it up
Every transaction is charged in NZD.
When you are charged
Payment is taken in full at checkout. Nothing is confirmed, packed or shipped until the payment has cleared.
If a payment is declined the order does not go ahead. You will see this at checkout and can try a different method straight away.
Card security
Checkout runs over SSL encryption through a PCI compliant payment gateway. Your card details go directly to the payment provider. We do not see them, we do not store them, and there is nothing held on our side that could be taken.
Refunds and chargebacks
Refunds are handled under our Refund Policy and always go back to the card or account the order was paid with.
If a charge on your statement looks wrong, please email our customer service team before contacting your bank. In most cases we can resolve it the same day. A chargeback, on the other hand, ties both of us into a process that runs for weeks.
Where we believe a chargeback is unfounded or fraudulent we will dispute it, using the order records and delivery tracking as evidence.
Fraud screening
Orders that trigger our fraud checks may be held, declined or cancelled, and on high value or flagged orders we may ask you to verify your identity.
If your order is held we will email you. Most holds are cleared quickly, and the usual cause is a billing address that does not match the card.
Changes to these terms
We revise these terms occasionally, and the date at the top shows when that last happened. The version published on the day you place an order is the one that applies to it.
Contact information
Store Address: 114 Avonhead Road, Christchurch, Canterbury 8042, New Zealand
Store Email: info@oatloft.com
Store Phone: +64 3 669 8870
Customer Service Hours:
Monday to Friday: 9:00 AM - 5:00 PM (NZST)
We do our best to reply to every email within 1 to 2 business days.