Billing Terms & Conditions

At Cardanzo, every purchase should feel simple and secure. These Billing Terms & Conditions explain how payments are handled when you shop with us.

Accepted Payment Methods

You can check out securely using any of the following:

Shop Pay
PayPal
Apple Pay
Google Pay
Visa
Maestro
MasterCard
American Express
Union Pay

All transactions are processed in New Zealand Dollars (NZD).

How Payment Works

Payment is taken at the time of purchase.
Processing and shipping only begin once payment has fully cleared.
If a payment fails or is declined, we won't be able to confirm the order, and we'll email you to let you know.

Pricing

All prices on Cardanzo are listed in New Zealand Dollars (NZD).
Prices may change at any time without prior notice.
Discount codes and promotions only apply to orders placed while the offer is live — they can't be applied retroactively to earlier orders.

Protecting Your Payment Details

Keeping your payment information safe matters to us. Every transaction runs through SSL-encrypted, PCI DSS-compliant payment gateways built to keep your data secure.

Cardanzo never stores your card or payment details on our own servers.

Refunds & Chargebacks

Refunds follow our Return & Refund Policy.
Refunds are issued back to the original payment method used at checkout.
Run into a payment issue? Email us first at support@cardanzo.com — we'll work directly with you to sort it out quickly.
Chargebacks filed without valid grounds will be disputed and reviewed to help prevent misuse.

Fraud Prevention

To keep both our customers and our business protected, Cardanzo reserves the right to:

Cancel or place a hold on any order that appears fraudulent or shows signs of unauthorized payment activity.
Request additional identity verification for high-value or flagged orders.

These steps help us keep shopping safe for everyone.

Contact Information

Questions about an order, or just want to say hello? We're only ever an email away.

Email: support@cardanzo.com

Support Hours:
Monday to Friday, 8:00 AM – 6:00 PM NZT

We work standard New Zealand hours and aim to respond to every inquiry within 24 hours.