Payment & Security

Read about the variety of payment options offered on the Apple Online Store, and how the tax on your order is calculated.


Payment methods

The Apple Online Store accepts a variety payment methods. Click on a payment method below to find out more.

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.

Using more than one payment card

You can also combine payment methods to pay for your purchase. Choose from the following combinations of credit cards and Apple Store Gift Cards:

  • Apple Store Gift Card(s) - up to eight
  • Apple Store Gift Card(s) + one credit/debit card

Credit Cards or Debit Cards

Troubleshooting credit card & debit card payment errors

  • For 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.

Account verification

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.

Security codes

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.

American Express:


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, 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

We accept:

  • American Express
  • MasterCard
  • Visa

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 Store Gift Cards

You can redeem an Apple Store Gift Card at the online Apple Store, by calling 0800-692-7753, or at any Apple Retail Store. With the exception of gift cards, certificates, and iTunes downloads and/or subscriptions, you can purchase just about anything sold by Apple, including products from both Apple and third-party makers.

You can use up to eight Apple Store Gift Cards at the Apple Online Store or if placing an order over the phone at 0800-692-7753. You can combine your Apple Store Gift Card(s) with one credit/debit card to pay for your purchase.

Simply enter or provide the PIN. The PIN can be found on the email below the image of the card. Please keep the card in your possession until the order has been processed and delivered.

Note: Apple Store Gift Cards can only be redeemed in the country or region of purchase.

The Apple Store Gift Card is subject to applicable terms and conditions. For more information about how to redeem your Apple Store Gift Cards, visit How to Redeem Apple Store Gift Cards. To purchase an Apple Store Gift Card, click here.

Direct Deposit

To pay for your purchase using a Direct Deposit:

  1. Place your order with an Apple Representative by phone on 0800-692-7753.
  2. Obtain the final dollar total of your order including tax and any applicable shipping charges from the Apple Representative.
  3. Have your bank electronically transfer the total dollar amount of your order using the routing information below.
  4. Reference your web order number with your payment.
  5. Scan a copy of your deposit slip and email the attachment to the following email address:

Routing information
New Zealand:

  • Beneficiary: Apple Sales New Zealand
  • Bank: Citibank New Zealand
  • Branch #: 312 840
  • Account #: 0031562-02

Note: Please allow three (3) 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.

Consumer Finance

Purchasing on financing 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 will take around 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. Responsible lending criteria applies.

3. Place Order
If you are approved, your Gem Visa 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 NZT) to place your order.

If you have an existing Gem Visa or Gem CreditLine card, you do not need to re-apply with Apple.
Simply call 0800 692 7753, to place your order. 

Delivery Dates
If you choose to purchase using 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 financing 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 choose 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 canceling 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:

  1. There may be a credit limit on your account
  2. The incorrect card type, number or expiry date was accidentally selected when placing the order
  3. There were dashes or spaces in the account number that could not be recognised
  4. Your bank requires verification from you before authorising the purchase
  5. Your card may be recently issued and has not yet been activated

My credit card was declined, can I re-authorise it?

If your order was not authorised online, please confirm you have correctly entered your credit card details and place your order again. If you still have difficulties please contact your credit card company to make them aware of your order.

If you have already received an order number but were informed by Apple that your card was declined, to prevent further delay of your order, please:

1. Contact your card provider to advise them that you have placed an order with Apple so that the payment can be processed.

2. Visit Order Status to verify your payment or to make changes to your payment information. Please note that it may take up to 24 hours for the status to update. If you placed your order without an Apple ID and wish to make changes to your payment information, please contact the Apple Store Customer Service team for assistance.

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.