Payment Information

Payment Options

  • Direct Deposit by Polipay (Internet Banking, no fees apply)
  • Visa (surcharge applies)
  • Mastercard (surcharge applies)
  • Humm (surcharge applies)
  • Afterpay (surcharge applies) 
  • Laybuy (surcharge applies BNPL)
  • American Express (online with paypal, surcharge applies)
  • Q Card (In store only, if used as Visa surcharge applies)
  • Paypal (Paypal standard fees apply)
  • Zip - take it home now - Pay in Part Payments (Formerly Partpay)

Direct Deposit Account Details

Internet Banking/Direct Deposit is our preferred method of payment. There are no verifcation procedures necessary when using this payment method.
Internet Banking/Direct Deposit payments usually show in our account overnight with the exception of weekends. If a payment is made on a Friday, Saturday or Sunday, your order will be processed on the following Tuesday.
Funds need to show in our account before your order can be processed and shipped.
To ensure your order is processed promptly please ensure you use your order number and surname as reference so that your payment is easy for us to find. Bank account details are supplied during the checkout process when you add an item to your cart and proceed to the payment page.

Credit Card Transactions - 2.5% Service fee applies

Secure Payment Policy

All Credit Card transactions are processed immediately via Windcave (Formerly Payment Express). The payment page is secured with 128 bit encryption. The card details you enter are safe because they are not stored or cached by Appliance Outlet Ltd - but are entered into a secure database at our payment gateway.
Payment for Internet banking/Direct deposit orders must be made within 5 working days. If payment is not made within this time the order will be cancelled and will need to be placed again. 
We also perform random security checks on orders. This is to protect ourselves and our customers.

Security Verifications For Online Orders

All orders are subject to our verification procedures. If we are unable to verify your details, we will notify you and will need further information to process the order.
We may request documents to verify your identity, if you feel uncomfortable supplying the documents requested, we advise that you choose direct deposit as your method of payment.

These procedures are performed to counter a rapidly increasing number of fraudulent orders. This is done to protect your security as well as our own. 

In Store Payment Options

  • Cash
  • Visa
  • Mastercard
  • Afterpay
  • Humm
  • Q Card
  • Zip - Get it now and pay later!
  • GEM Visa - up to 9 Months intrest free with no payments! *
  • Paypal 
  • American Express (Via PayPal)

Please do not be offended if we ask for photo ID with cards that required a signature. This is a procedure we have introduced to protect ourselves and our customers from fraud.
There is a 2.5% additional service charge for credit card payments.
All cards must be present for transactions, under no circumstances will we process a transaction without the card present.
We do not accept cheques. Paypal service fees apply.

BNPL - Buy Now, Pay Later

BNPL payment options vary from providor, you will need to download their app to your smartphone to use their services. Options we are able to provide at this time are Humm, Afterpay, Zip and Laybuy. 

As there is a cost associated in providing this service and due to our low profit margins this fee is passed onto our customers to allow us to keep our prices low for you. 

Layby Payments

All layby items are interest free and there is no penalty for early repayment.

20% deposit is required and can be retained if final payment is not met within the time specified/at all. This is to cover the cost of administrating the layby service, restocking and depreciation of value of goods.
Final payment must be made within 6 weeks of the order date. Layby value must be $100 or over.

Instructions to purchase online using Layby:

Purchase your item and select 'Direct Deposit' as your method of payment. Please contact [email protected] - we will work out your deposit for you should you not have done so already. Your deposit of 20% of the total purchase price will secure your item for you. This payment must be made and received within two days of purchase, if these are not received the order will be cancelled. Payments for online layby items must be completed within 6 weeks from the date of purchase. You will only be invoiced once final payment has been received and the item will automatically be sent out to you via our courier or freight service.

Please use your invoice number for each payment so that we are able to track it and place the payments against your outstanding amount - we will accept payments via credit card and online banking. 

We will email you at 4 weeks and at 6 weeks with the outstanding amounts on your account to serve as a reminder so that you do not lose out on your item or forget to pay. 

Penalty Fees:

No penalty for early completion of your term.

If you fail to make payments and/ or do not finalise your layby by the end of the lay by term (6 weeks) we have the right to keep your deposit (20% of the full price of the item/s), for administration, cancellation fees and to cover loss of the value of the goods. You will lose the right to your item/s and they will be resold.

You may cancel your layby at any time by contacting the store or by email / in writing. A full statement of your layby payments will be provided on request. 

If you have made payments on top of your deposit these will be refunded to you.

All items remain the property of Appliance Outlet limited until full payment has been received.

Q Card

Apply online now!  

Q Card is your perfect shopping partner, combining the benefits of a credit card with the
added ability to access a range of interest-free deals and payment holidays*.

Your Q Card comes with these great benefits:

  • Simply swipe and sign for 3 months no payments with no interest on every purchase*.

  • Once you have a new Q Card there’s no need to apply for more credit. Simply use your Q Card up to your pre-approved limit. There are no more forms to complete or waiting for credit applications to be approved.

  • For added security you can add a PIN to your Card. Call 0800 11 70 00 and set-up your PIN in just a few minutes.

Q Card frees you up to buy the things that matter.

*3 months no payments and no interest (“Payment Holiday”) is available on all purchases at participating retailers on Q EFTPOS Plans. Account Fees may apply. Q Card Standard Interest Rate applies to any outstanding balance at end of Payment Holiday. Q Card lending criteria, fees, terms and conditions apply. Offer only available to existing Q Cardholders.

** A minimum purchase amount may be required. Account fees may apply. Available on Flexi Payment, Fixed Instalment or EFTPOS Plans. For interest free only deals, monthly payments may be required throughout interest free period. Q Card Standard Interest Rate applies to any outstanding balance at end of payment holiday or interest free period. Q Card lending criteria, fees, terms and conditions apply.



Zip is a smart way to shop for items on our website. (Total cart value must be $100  or more and less than or equal to $1500 ( Maximum cart value for Zip to appear as a payment option is $1500 in total), so you can order mulitple items under the $100 threshold as long as their total cart value is $100 or more. Zip will become available during checkout as an option once the threshold is reached - please contact us if you have any queries regarding the cart value).

When you shop with an Zip retailer you can spread the cost of your purchase over 6 easy payments*, instead of paying the whole lot upfront.

So you can get the things you want right now and keep the money in your pocket for other things in the meantime

Visit the Zip website to get yourself set up today! It only takes 2 minutes and you are done.

Example purchase: You purchase an item for $100, you will pay an initial payment of $25 immediately and the remaining $75 every two weeks in equal payments over 6 weeks. i.e. 2 weeks later you will pay $25 and so on until the end of your term. All payments will be paid through the Zip system you register with online today.

Gem Visa


Promotion for Gem Visa customers, 9 months intrest free and defered payments until next year ! Buy it now and pay nothing till next year ! Apply online now: APPLY HERE

Please note, all website transactions are processed in NZD (New Zealand Dollars)

Refunds and Returns

All non faulty returns attract a 20% restocking fee. We do not have to refund in the event of change of mind purchases. Please choose carefully as there is no automatic right of return or refund. We reserve the right to exchange or offer store credit when applicable, we do not have to refund automatically and any decisions will be at the managements discretion. Appliance Outlet operates fully under the CGA and New Zealand law.