Payment Policy

1. Payment Methods

We offer multiple secure payment options for your convenience. You can choose from the following methods at checkout:

• Credit/Debit Cards (Visa, MasterCard, American Express)
• Direct Bank Transfer (EFT)
• PayPal (For eligible transactions)
• Afterpay/Buy Now, Pay Later (If available)

2. Payment Terms

• All payments must be made in full before order processing.
• Direct bank transfers require the Order ID as a reference, and orders will be processed once the funds have cleared.
• For custom orders, full or partial advance payment may be required.

3. Currency & Pricing

• All transactions are processed in NZD (or as specified).
• Prices are subject to change without prior notice. However, confirmed orders will not be affected.

4. Payment Security

• We use secure encryption for all online transactions.
• Your payment details are never stored on our servers.

5. Failed or Declined Payments

• If a payment is declined, please check your payment details and retry.
• Contact your bank or payment provider if the issue persists.

6. Refunds & Chargebacks

• Refunds are processed as per our Refund & Returns Policy.
• Unauthorised chargebacks may result in order cancellation and account restrictions.

7. Billing Issues

For any payment-related inquiries, please contact info@upl.co.nz with your order details.