LivingTopia aims to make payment clear and straightforward when you shop online with us.
Payment at Checkout
All prices on LivingTopia are shown in New Zealand dollars (NZD) unless stated otherwise.
The payment methods currently available for your order will be displayed at checkout. Available methods may vary or change over time depending on our payment providers and checkout settings.
Unless a different payment arrangement is clearly shown at checkout, payment is required when you place your order.
Payment Processing
Online payments are processed through payment providers available through our Shopify checkout.
Your payment details are handled by the relevant payment provider. LivingTopia does not receive or store your full payment card number.
A payment may be subject to authorisation or verification by your bank, card issuer or payment provider.
Payment Authorisation and Verification
If a payment is declined, fails, or cannot be verified, your order may not be completed.
To help protect customers and LivingTopia from fraud or unauthorised transactions, we may request reasonable additional information or verification before processing or accepting an order.
We may place an order on hold or cancel it where there are reasonable concerns about payment authenticity, fraud, unauthorised use or other payment risk.
Order Confirmation and Acceptance
After placing an order, you may receive an automated confirmation email. A payment being processed or an automated confirmation being issued does not by itself override the order acceptance provisions in our Terms & Conditions.
Orders remain subject to matters including product availability, payment verification, delivery feasibility, and obvious pricing or product information errors.
If LivingTopia cancels an order after payment has been received, any amount that should be returned will be refunded in accordance with the circumstances and applicable law.
Pricing, Shipping and Order Total
The final amount payable is the amount shown at checkout before you submit your order, subject to our Terms & Conditions regarding obvious errors.
Delivery charges are calculated separately where applicable and are shown at checkout after you provide the relevant delivery information.
Discounts and Promotions
Discounts, promotional offers and discount codes may be subject to eligibility requirements, expiry dates, minimum spend requirements, product exclusions, usage limits or other specific conditions.
Whether discounts can be combined depends on the terms of the applicable promotion and the options available at checkout.
LivingTopia may refuse or reverse a discount where it has been applied contrary to the stated promotion terms, subject to applicable law.
Refunds and Store Credit
Refunds, exchanges and store credits are handled in accordance with our Return and Refund Policy and your rights under New Zealand consumer law.
Where a refund is made to an original payment method, the time taken for the funds to appear in your account may depend on the payment provider or financial institution.
Payment Issues
If you experience a declined payment, duplicate-looking transaction, pending authorisation or another payment issue, please first check the information provided by your bank or payment provider.
In some cases, a pending amount may be an authorisation rather than a completed charge. Your bank or payment provider can confirm the status of that transaction.
If you still need assistance, please contact LivingTopia with your order number and relevant payment details. Please do not send full card numbers or other sensitive payment credentials by email.
Updates to This Policy
LivingTopia may update this Payment Policy from time to time. Changes apply going forward and do not remove any rights you already have in relation to an accepted order or under applicable New Zealand law.
Contact Us
Email: contactus@livingtopia.co.nz