Skip to content Skip to search Skip to primary navigation Skip to secondary navigation
Consumer Protection
Search
    1. Home ›
    2. General help ›
    3. Ways to buy and pay
    Ways to buy and pay

    Ways to buy and pay

    What to consider when buying online and in person — plus different payment methods.

    On this page

    • ​​Online shopping

      Shopping online is convenient, but it can be harder to sort out problems, especially if…
    • ​​In-store shopping

      ​When you shop in-store, you're protected by New Zealand's consumer laws.
    • ​Auctions

      Real estate, used cars, antiques and other products are often sold at auctions. Your rights…
    • ​​Private sales and second-hand goods

      Your rights when buying from a dealer or online trader, including Trade Me. These rights…
    • ​​Telemarketing and door-to-door sales

      Special rules apply to uninvited direct sales, eg door-to-door, mail order and infomercials sales.
    • ​Truck shops

      If you buy from a mobile trader, you have the same rights as if you…
    • ​​Laybys

      Layby means you pay instalments and get the item once it's paid off.
    • Buy Now Pay Later

      Buy Now Pay Later (BNPL) is a form of debt that lets you access products…
    • Hire purchase and buying on credit

      When you get a product up front and pay it off over time. You can…
    • ​​Gift vouchers and pre-loaded cards

      These can be exchanged for products or services up to the value of the voucher…
    • Cash and EFTPOS

      Cash and EFTPOS are both ways of paying for an item immediately using your own…
    • Credit card​​s

      ​Your rights and things to watch out for when buying goods or services with a…
    • Direct debits and automatic payments

      ​Your rights when setting up, changing or cancelling a direct debit or automatic payment.
    • Card payment surcharges

      Your rights and things to watch out for when using payment options that may incur…

    Looking for other topics?

    Search Form
    Main menu
    General help Help by product & service Business guidance News & updates Research and Resources
    What are you looking for?
    Consumer Guarantees Act ​​Fair Trading Act ​​Faulty and unsafe products Publications School resources
    About us
    Contact Us Sitemap About us
    Copyright Disclaimer Privacy

    Crown copyright © 2025