Payment & Security
Read about the variety of payment options offered on the Apple Online Store, and how the tax on your order is calculated.
Choose a topic:
- Can I change my payment method?
- Are my credit/debit card details secure?
- When will my credit card be charged?
- Why was my credit card payment not processed?
- My credit card was declined, can I re-authorise it?
- Can I change my billing address?
- Will my Apple purchase attract additional bank fees?
- How do I get my GST refund?
The Apple Online Store accepts a variety of payment methods. Click on a payment method below to find out more.
- Apple Pay
- Credit Cards or Debit Cards
- Apple Gift Card
- Cheque or Money Order
- Direct Deposit
- Consumer Finance
- Business Finance
Some payment types are ineligible for orders shipping to multiple addresses. If you are using an ineligible payment type for an order shipping to multiple addresses, you will need to change the payment method, or ship your order to a single address.
You can also combine payment methods to pay for your purchase. Choose from the following combinations of credit cards and Apple Gift Cards:
- Apple Gift Card(s) - up to eight
- Apple Gift Card(s) - up to eight + one credit card
- Apple Gift Card(s) - up to eight + Apple Account Balance
- Apple Gift Card(s) - up to eight + Apple Account Balance + one credit card
- Apple Account Balance + one credit card
Apple Gift Cards and Apple Account Balance cannot be used with Apple Pay. Please note that you can use the value from all types and generations of Apple Gift Cards. For more details, see:
During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.
Credit Cards or Debit Cards
Troubleshooting credit card & debit card payment errors
- For a new or recently reissued card, the card needs to be activated first.
- Check that the card details entered are correct, the card type (AMEX, Masters,Visa), card number and the expiration date.
- Remove any dashes or spaces for the card number.
- If you do not have sufficient credit limit, please check with your card issuer.
- If you have exceeded your daily spending limit for your debit card, please check with your card issuer.
- If everything seems to be correct, contact your card issuer. Your card issuer may need to verify with you before they authorise your purchase.
To prevent any unnecessary delays in processing your order, please ensure that the billing address on your order and credit card account matches. If you have recently moved or are unsure of your billing address, please contact your credit card-issuer to confirm.
The credit card security code is a unique three or four digit number printed on the front (American Express) or back (Visa/MasterCard) of your card.
Daily spending limits for Debit Cards
Most debit and credit cards have daily spending limits that may substantially delay the order processing, even if there is enough money in an account. When using a debit card, funds are immediately reserved in your bank account upon order placement. Please consult your card-issuer for more information about your daily spending limits if you are having trouble in placing your order.
When Apple charges your account
When you place an order, Apple will contact your credit or debit card's issuing bank to confirm it is a valid account. Apple requests an authorisation, which holds the funds for the full or partial purchase amount.
As Apple prepares your items, authorised funds will be unavailable and your card will only be charged after your order has shipped. If your order contains multiple items and they ship at different times, you may see multiple charges on your credit card statement.
If you cancel your order before it has been billed, Apple will contact the bank within 2 business days to request the authorisation reversal. Any authorisations placed on your credit or debit card account can take up to 30 days to reverse, depending on the credit card issuer. Contact your financial institution for their specific timeframes.
Credit cards accepted
- American Express
If you are paying for your order with an international Visa, MasterCard, or American Express credit card, please note that the purchase price may fluctuate with exchange rates. In addition, your bank or credit card issuer may also charge you foreign conversion charges and fees, which may also increase the overall cost of your purchase. Please contact your bank or credit card issuer regarding these fees.
Apple Gift Cards
The Apple Gift Card was introduced in 2020 and is now the gift card to use for purchasing products, accessories, apps, games, music, movies, TV shows, iCloud and more from Apple. Apple Gift Cards can be used in the Apple Store, the Apple Store app, apple.com, the App Store, iTunes, Apple Music, Apple TV, Apple Books and other Apple properties.
You can use Apple Gift Cards to pay for products, subscriptions and services from Apple online. Or spend Apple Gift Cards at the Apple Store or by calling 133‑622. You cannot pay for an Apple Gift Card with an Apple Gift Card or Apple Account Balance. Apple Gift Cards can be used only in the country or region in which they were purchased.
You can use up to eight Apple Gift Cards at a time when you purchase online from Apple or if you’re placing an order by calling 133‑622. You can use your gift card(s) with one credit card and your Apple Account Balance to pay for your purchase.
Any value on an App Store & iTunes Gift Card or Apple Store Gift Card in your possession is valid.
To redeem any Apple Gift Card or App Store & iTunes Gift Card into your Apple Account Balance, simply enter or scan the PIN. We send electronic Apple Gift Cards to the card recipient via email. Using this email, the recipient can easily redeem the card’s value to their Apple Account Balance for online purchases or use the PIN at an Apple Store, on apple.com or in the Apple Store app.
Apple Gift Cards and Apple Account Balance are subject to applicable terms and conditions. Learn more
Ready to buy an Apple Gift Card? Buy online for yourself or someone else
How to Use Apple Gift Cards
Apple Gift Cards can be used to pay for products and accessories as well as apps, games, music, movies, TV shows, iCloud storage and more. Apple Gift Cards can be used on apple.com, in the Apple Store app, by phone or in person at the Apple Store. You can also redeem Apple Gift Cards into your Apple Account Balance to buy products, apps, content and services online from Apple. Apple Gift Cards can be used only in the country or region where they were purchased.
In an Apple Store, simply present the email to the cashier at time of payment. If you are using your Apple Gift Card over the phone on 133‑622, you’ll need to provide the PIN (located on the back of the card insert or in the gift card email). Remember to keep the card in your possession until your item(s) have been delivered.
You can use up to eight Apple Gift Cards at Apple.com or when placing an order over the phone on 133‑622. You can use up to eight Apple Gift Cards for one transaction when you purchase at an Apple Store. You can use your Apple Gift Card(s) with one credit card as well as with your Apple Account Balance to pay for your purchase. Apple Gift Cards cannot be used to purchase another Apple Gift Card.
Checking Your Apple Gift Card Balance
You can check your gift card balance online by entering the PIN from any Apple gift card. See the Apple Account Balance section for details on how to redeem your gift card into your Apple Account Balance for online shopping, apps, content and services.
How to Use Apple Store Gift Cards and App Store & iTunes Gift Cards
Both the Apple Gift Cards and App Store & iTunes Gift Cards (previous generation) can be redeemed into your Apple Account Balance. Additionally, you can apply your gift card by entering the PIN during the payment step in checkout on apple.com or in the Apple Store app, or when shopping via 133-622. Apple Gift Cards can’t be used with Apple Pay or split credit card payments.
Apple Account Balance
Redeem Apple Gift Cards or add money directly into your Apple Account Balance anytime. Then use the balance to pay for Apple products, accessories, apps, games, music, movies, TV shows, iCloud and more. You can check your Apple Account Balance online.
To use your Apple Account Balance to buy products on apple.com or in the Apple Store app, make sure you are signed in with your Apple ID. Then simply choose an amount to apply to your purchase during the payment step in checkout. You can use the funds from your Apple Account Balance in combination with one credit card and up to eight Apple Gift Cards. See Payment for details on using more than one payment method.
You can redeem Apple Gift Cards and App Store & iTunes Gift Cards into your Apple Account Balance on iTunes, Apple Music, Apple TV or the App Store. Visit any of these Apple apps or sites and tap your Apple ID account avatar or choose Account from the main menu. Select “Redeem Gift Card or Code” or “Redeem”, then scan or enter the gift card PIN. The funds will appear in your Apple Account Balance to use for shopping, listening, watching, playing, working and more.
Please note that your Apple ID Balance is now your Apple Account Balance.
Cheque or Money Order
To pay for your purchase using a Cheque or Money Order:
- 1. Place your order with an Apple Representative by phone on 133‑622.
- 2. Obtain the final dollar total of your order, including tax and any applicable shipping charges from the Apple Representative.
- 3. Confirm that your cheque is for the full amount of the order. It is not possible to combine a cheque/money order with another form of payment for one order.
- 4. Make the cheque payable to Apple Pty Ltd, and include your web order number or a copy of your order.
- 5. Mail your payment to:
Apple Pty Ltd
Att: Apple Store
PO Box A2629
Sydney South NSW 1235
- Apple must receive your payment within 10 calendar days after your order is placed or your order will be cancelled. Please allow four (4) business days after Apple receives your payment for your cheque to clear before we start processing your order.
- Apple is unable to accept a cheque associated with a billing address outside of Australia.
- Please be aware that cheque or money order are not applicable to certain products.
To pay for your purchase using a Direct Deposit:
- Place your order with an Apple Representative by phone on 133‑622.
- Obtain the final dollar total of your order including tax and any applicable shipping charges from the Apple Representative.
- Visit any National Australia Bank branch and have the bank electronically transfer the total dollar amount of your order using the routing information below. Cash or cheque deposits are accepted.
- Reference your web order number with your payment.
- Scan a copy of your deposit slip and email the attachment to the following email address: Receipts@apple.com.
- Beneficiary: Apple Pty Ltd
- Bank: Citibank
- Account #: 20999
- BSB: 248 081
Note: Please allow two (2) business days for Apple to receive your payment and start processing your order.
Please be aware that direct deposit are not applicable to certain products.
Purchasing on 0% interest is a great option if you are looking to purchase Apple products with one simple monthly repayment.
How It Works
1. Apply Online
The application only takes 10 minutes to complete
Go To : Consumer Finance at Apple
2. Application Response
The outcome of your application will be displayed on screen in 60 seconds and also emailed to you.
3. Place Order
If you are approved, your CreditLine account number will be automatically sent to Apple.
You will then be contacted by Apple within 2 business hours (Mon-Fri 8:30am-5:30pm AEST) to place your order.
If you have an existing Latitude card (CreditLine, Buyer’s Edge, Gem Visa or GO Mastercard), you do not need to re-apply with Apple.
Simply call 133‑622, to place your order.
If you choose Financing, the delivery date in bag and checkout may not apply.
Your delivery date may be later due to the time required to process your financing application.
When your application is approved, you will receive an email notification with the updated delivery date.
Business Finance through Apple Financial services has a number of benefits for business customers.
You can manage monthly cashflows and may achieve significant tax benefits.
You also have great end of term options -
- Upgrade your equipment
- Return your equipment
- Extend for a new term
- Purchase your equipment at fair market value
How It works
1. Apply Online
The application only takes 10 minutes to complete
Go To : Business Finance at Apple
2. Application Response
You will be notified of your application outcome within 4 business hours.
Your business business finance contract and supporting documents will then be emailed to you for signing.
3. Place Order
If you are approved, you be contacted by an Apple Business specialist within 2 business hours (Mon-Fri 8:30am-5:30pm AEST) to place your order.
If you choose to purchase using business finance, the delivery date in bag and checkout may not apply. Your delivery date may be later due to the time required to process your business finance application. When your application is approved, you will receive an email notification with the updated delivery date.
Can I change my payment method?
The payment method for an order cannot be amended once the order has been submitted to Apple. To chose an alternative payment method, you will need to cancel your existing order and place a new order with your preferred payment method. Please note that when cancelling credit card orders, it can take up to seven (7) business days for the payment authorisation to be removed by your credit card company.
Are my credit/debit card details secure?
The security of Apple Store servers is closely monitored to prevent any unauthorised disclosure or use of credit card numbers and to protect the confidentiality of your personal information. The Apple Store uses the SSL (Secure Socket Layer) industry standard, the highest level of security available today for web-secured applications. SSL relies on a pair of public and private key technologies provided by Verisign, Inc. and based on a 40-bit encryption algorithm developed by RSA Data Security, Inc.
When will my credit card be charged?
When you place your order, Apple requests authorisation to charge the order amount from your credit card company. If you ordered more than one item, there may be multiple authorisations. Once we receive approval, Apple reserves the amount on your card until the items are available to ship. Your card will be charged when your order ships. If you ordered more than one item, there may be more multiple charges as items ship separately as they become available.
Why was my credit card payment not processed?
Your credit card company may have declined authorisation to debit your card due to one of the below mentioned reasons. If such a situation arises, we will inform you of this via email:
- There may be a credit limit on your account
- The incorrect card type, number or expiry date was accidentally selected when placing the order
- There were dashes or spaces in the account number that could not be recognised
- Your bank requires verification from you before authorising the purchase
- Your card may be recently issued and has not yet been activated
Can I change my billing address?
Your billing address is the registered address that your credit card company holds. Please ensure that your billing address is correct at the time of placing your order. Once your order has been accepted by Apple your billing address cannot be changed as it would have already been authorised by your credit card company.
Will my Apple purchase attract additional bank fees?
Apple's Payment Processor (Merchant Bank) is in the UK. Please check with your card issuing bank regarding additional services charges applied by your bank. Any service charges imposed by your banks are not reflected in the order value on the website.
How do I get my GST refund?
The Tourist Refund Scheme enables you to claim a refund of the goods and services tax (GST) on certain purchases if you are leaving Australia; subject to certain conditions.
To claim a refund you must:
- Spend $300 (GST inclusive) or more on a single tax invoice
- Buy goods no more than 60 days before departure
Apple ships each item as it is available to ship; if you have multiple items on your order they may ship at different times or from different locations. Once your order has shipped, Apple will email your invoice to the email address provided on your order. If your order contains multiple items and they ship at different times or from different locations, you will receive multiple invoices. Apple cannot amend invoices after they have been issued and cannot combine multiple invoices to one invoice.