Payment Policy

At Loft & Stone, we keep checkout simple, secure, and transparent. This policy explains accepted payment methods, how we charge, and how refunds are handled.

1) Accepted payment methods

We accept:

• Visa, Mastercard, American Express
• PayPal
• Apple Pay and Google Pay
• Shop Pay (accelerated checkout)

For larger trade orders, invoice payment may be arranged — please contact us before purchasing.

2) Currency, pricing, and GST

• All prices are displayed and charged in Australian dollars (AUD).
• All prices shown include GST where applicable, so the price you see is the price you pay at checkout.
• If your payment method is issued in a different currency, your bank or payment provider may apply currency conversion or foreign transaction fees.

3) When you are charged

• Payment is captured at checkout for all in-stock items.
• We do not offer pre-orders or custom-made products.

4) Security and fraud prevention

• Payments are processed by PCI DSS-compliant providers.
• We may run fraud checks (e.g., Address Verification or 3-D Secure) and may contact you for confirmation before shipping.
• Orders that fail verification may be cancelled and refunded.

5) Order changes and cancellations

• If you need to change or cancel an order, contact us as soon as possible with your order number.
• We can amend or cancel only if the order has not yet shipped.

6) Discounts, promotions, and price errors

• Only one discount code can be used per order unless stated otherwise.
• Promotions can’t be applied to past orders.
• If a pricing or typographical error occurs, we may cancel the order and issue a full refund.

7) Gift cards and store credit

• Store credit and gift cards (issued by Loft & Stone) can be used at checkout.
• Credit is non-transferable and cannot be exchanged for cash unless required by law.

8) Refunds and how they are issued

• Approved refunds are returned to the original payment method only.
• Once processed by us, banks typically take 10 business days to post funds.
• If your card is expired or replaced, your bank will route funds to the active card/account.

For eligibility and timeframes, please see our Return & Refund Policy. Nothing in this payment policy limits your rights under the Australian Consumer Law.

9) Chargebacks and disputes

If something isn’t right, please contact us first—most issues can be resolved quickly. If a chargeback is lodged, we’ll provide your bank with delivery evidence, communications, and relevant policy details.

10) Billing descriptor

Charges may appear on your statement as “Loft & Stone” or “loftandstone.com”. Some banks display a location after the name.

FOR MORE INFORMATION