When you shop at SmartPlay Audio, we want your payment experience to be quick, secure, kindof hassle-free. This Payment Policy lays out how we handle payments, which payment methods we accept, and what happens during checkout. It applies to all purchases made through our website and store (the "Services"). We partner with Shopify to manage checkout and payment processing, so your payment details get handled safely through their trusted platform. If anything in this Payment Policy conflicts with our Terms of Service, this Payment Policy takes precedence for all payment and transaction matters.
Please take a moment to read this Payment Policy. By using our Services, you agree that you’ve read and understood how we manage payments and transactions, right.
Accepted Payment Methods
We offer a range of payment options, to make checkout feel easy. At checkout, you’ll see which payment methods are available based on your location and order. We currently accept:
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Credit and Debit Cards: We accept major cards including Visa, Mastercard, American Express, and Discover. Your card details are entered securely at checkout and then processed through our payment gateway.
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Digital Wallets: We support popular digital wallets like Apple Pay, Google Pay, and Shopify Pay, for a fast and secure checkout.
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PayPal: You can pay using your PayPal account for extra convenience and buyer protection.
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Bank Transfers: For select orders, we may accept direct bank transfers. If you choose this option, we’ll email you payment instructions after you place your order.
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Buy Now, Pay Later: We may offer installment payment options such as Shop Pay, Klarna, or Afterpay for eligible orders. These services let you split your purchase into smaller payments over time.
Not every payment method is available in every country. At checkout, you’ll see which options you can use based on your location.
Payment Security ,
Payment security is a top priority for us . All payments are handled through secure , encrypted channels , to help safeguard your financial info. We use Shopify’s payment gateway, which aligns with the highest industry expectations for security and compliance , including PCI DSS (Payment Card Industry Data Security Standard).
We do not keep your complete credit card number on our servers. Instead, your card details are entered right into Shopify’s secure payment form and processed through their system. We only get a confirmation that your payment went through, plus the last four digits of your card, as a small reference point.
If you have any questions about payment security , feel free to contact us at Smartplayaudio@gmail.com or +64225101234 .
Payment Authorization and Capture
When you place an order , we authorize your payment method for the full purchase amount. This means your bank or card issuer verifies that you have sufficient funds or available credit , but the money is not pulled from your account right away .
Authorizations typically last 5–7 business days, depending on your bank. If we can’t capture your payment within that time frame, the authorization can expire, and we may need to re-authorize your payment before anything ships.
Order Total and Price Changes
The total shown at checkout is the final amount you will pay , covering product pricing, shipping, and any taxes that apply. We do not add hidden fees or unexpected charges after you finish your order.
If we notice a pricing mistake on our website , like the wrong price or an incorrect discount, we reserve the right to cancel or revise your order before it ships. We’ll email you if this occurs ,and we’ll offer you the option to accept the corrected price or cancel for a full refund .
Taxes and Duties
Product prices may include taxes or may not , depending on where you are located and what the local laws require. At checkout, you’ll see a breakdown of your order total ,including any taxes applied.
If you’re ordering from outside New Zealand, you might be required to pay customs duties, import taxes, or other fees set by your local authorities. These charges are not included in your product price or shipping cost, and they are your responsibility. We recommend checking with your local customs office before ordering, to avoid last-minute surprises .
Payment Failures and Declined Transactions
Sometimes payments can fail or get declined for reasons like insufficient funds , incorrect card details , or security checks done by your bank. If your payment fails at checkout, you’ll see an error message and you can try again using a different payment method.
If your payment is declined after you place an order, we’ll email you and ask you to update your payment details. If we don’t get a successful payment within 3 business days, we may cancel your order and release any authorized funds .
If you think your payment was declined by mistake , contact your bank or card issuer first. They can tell you why the transaction was blocked , and help you fix it. You can also contact us for help .
Refunds and Chargebacks
If you’re eligible for a refund under our Return Policy, we’ll process it back to your original payment method within 5–10 business days after we receive and inspect your return. Refunds can take longer to appear in your account, depending on your bank or payment provider.
If you dispute a charge with your bank or credit card company (a "chargeback"), please reach out to us first at Smartplayaudio@gmail.com or +64225101234. We’ll work with you to resolve the problem quickly and in a fair way. If a chargeback is opened without contacting us, we may pause your account or future orders until the situation is settled .
Currency and Conversion
We list prices in New Zealand Dollars (NZD). If you’re purchasing from another country, your bank or payment provider may convert the total into your home currency using their exchange rate. This can mean you’ll notice a slightly different figure on your statement ,not always because of our side, but more likely due to exchange rate changes ,or sometimes foreign transaction fees too.
We do not set or manage exchange rates, and we do not handle foreign transaction fees. Those decisions are made by your bank or payment provider. If you’re unsure about currency conversion, please contact your bank.
How We Use Your Information for Payments
When you complete a purchase, we collect and use your personal information to process the payment and finish your order. This can include your name, billing address, email, phone number, and payment details. We use this information for things like:
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Confirming your identity and your order.
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Running the payment while also helping prevent fraud.
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Keeping you in the loop about your order and payment status.
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Sharing information with payment processors and banks so the transaction can actually happen.
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Meeting legal or tax obligations connected to payments.
We may share your info with Shopify, payment processors, banks, and other partners involved in payments. They’ll handle your info under their own privacy rules, and only to process your payment.
Complaints
If you have issues or complaints about how we handle payments or your personal information, get in touch with us using the details below. Depending on where you live, you might be able to appeal our decision by contacting us, or you can file a complaint with your local consumer authority or a data protection authority.
Changes to This Payment Policy
We might update this Payment Policy now and then, either because our practices change, or for legal reasons. When we do, we’ll post the updated version here, refresh the “Last updated” date, and provide notice where required.
Contact us
If you have questions about our payments or about this Payment Policy, or you want to use your rights, please call or email Smartplayaudio@gmail.com, or contact us at +64225101234, 10 Rochfort Crescent, Pyes Pa, Tauranga, 3112.