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, Union Pay
• 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 the currency shown at checkout.
  Applicable taxes will be calculated where required.
  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 Returns Policy.

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