Payment Options at Tyre Dispatch
Pay upfront, split it into four with Afterpay, or get help from Work and Income. No surcharges on any online payment method, and we write WINZ-ready quotes every week.
Paying online
Every online payment runs through Shopify's checkout, and we add no surcharge to any of them. Card details are encrypted end to end, and we never see or store a card number.
Credit and debit cards
Visa, Mastercard, American Express and UnionPay. Enter your details at checkout.
Apple Pay, Google Pay, Shop Pay
Tap to pay on a compatible device using a card you have already saved. Shop Pay remembers returning Shopify customers.
PayPal
Pay from your PayPal balance, a linked bank account or a card. Choose PayPal at checkout and log in to confirm.
Afterpay
Four payments over six weeks, interest free. The full terms are in section 3 below.
Bank transfer
Direct credit to Traction Tyres Ltd, Westpac 03-0435-0727161-001. Use your name or order number as the reference. We ship once the funds land, usually one to two business days.
Work and Income
Direct credit from MSD, or a client payment card. Section 4 covers how the quote works.
Paying at the counter in Te Puke
We are at 31 Station Road, Te Puke. Everything below works at the counter, and the surcharge column is the honest version: the fees our bank charges us on the tap, not a markup.
| Method | Details | Surcharge |
|---|---|---|
| EFTPOS (PIN) | NZ EFTPOS and debit cards entered with a PIN | None |
| Cash | Always accepted. Exact change appreciated on large amounts | None |
| Work and Income | Client payment card, or direct credit arranged with your case manager | None |
| Credit cards | Visa, Mastercard and Amex, inserted or swiped | 2% |
| Contactless | Tap to pay with a card, phone or watch | 2% |
| Apple Pay / Google Pay | Tap your phone or watch on the terminal | 2% |
| Afterpay in-store | The Afterpay Card in your phone wallet, or the barcode in the app | 2% |
Want to avoid the surcharge? Pay by EFTPOS with your PIN, or in cash. The 2% covers what the bank charges us on credit and contactless transactions, and we tell you before we process anything so you can switch if you would rather. Online there is no surcharge on any method at all.
Buying tyres with Afterpay
Afterpay splits your order into four payments over six weeks. You pay roughly a quarter at checkout and the rest fortnightly. There is no interest, and no fee at all if you pay on time. It works online and at the counter, where you use the Afterpay Card in your phone wallet.
Here are the parts of the deal worth knowing before you commit, straight from Afterpay's own New Zealand terms:
- Late fees are capped. On an order of $40 or more you pay $10 if a payment is missed, and a further $7 if it is still unpaid after seven days. Total late fees never exceed 25% of the purchase price or $68, whichever is lower.
- There is a credit check. Afterpay checks when you sign up and again when your limit increases. Anyone telling you instalments are check-free is not describing Afterpay.
- Your limit is personal, not published. Afterpay does not publish a fixed maximum. New accounts start lower and available amounts grow with a clean payment record. If a full set of four is over your limit, the workshop can split the job or you can put part of it on a card.
- You must be 18 or over and a New Zealand resident, with a valid NZ debit or credit card attached to your Afterpay account.
Work and Income (WINZ) tyre payments
Tyres go wrong at the worst possible time. If money is the problem right now there are two routes that work well for a tyre bill, and we handle the paperwork for both. Nothing about your quote looks different from anyone else's.
Work and Income can help with an essential vehicle cost through a Special Needs Grant or an advance. Two things about how MSD works are worth knowing, because they are in your favour:
- The money goes to the seller, not to you. MSD policy is that a grant for goods or services is paid to the supplier, by direct credit or client payment card. That is exactly how we are set up to receive it.
- MSD cannot pay a private sale. Grants go to a GST registered, established business. We are one, which is why a quote from us clears where a Trade Me listing does not.
Your case manager will ask for a written quote. Ours are itemised with our legal entity name, GST number, bank account for direct credit, the exact tyre sizes and fitting cost, the total including GST, and how long the price holds, so nothing sends you back for a second visit. Tyres are not on MSD's preferred supplier list, which means you are free to choose where you buy.
Good Shepherd Good Loans
This is the option almost nobody knows about, and for a working household it is often better than everything else on this page. Good Shepherd NZ is a not for profit that runs no interest, no fee lending in partnership with BNZ. Not low interest. None, and no fees either. Repairing or replacing what you need to keep a car on the road is explicitly on their approved list.
What you can borrow
Up to $7,000 for vehicle costs, repaid over six months to five years. You pay back exactly what you borrowed, with nothing added.
Who qualifies
Income thresholds start around $65,000 for a single person and rise past $130,000 for larger families, so plenty of working households qualify. You do not need to be on a benefit.
How we get paid
Same as Work and Income: the loan is paid straight to the supplier against an approved quote, never as cash to you. We write that quote the same way we write our WINZ ones.
What it will not cover
Overdue bills, rent arrears, day to day living costs, cash or travel. It is also not the fast lane: if you need tyres today, Work and Income handles urgent need better.
Talk to Good Shepherd directly: call 0800 466 370 or read the details at goodshepherd.org.nz/good-loans. They assess the application, not us. Once it is approved, send us the paperwork and we will have the quote back to you the same day.
Payment questions, answered
What payment methods do you accept online?
Visa, Mastercard, American Express, UnionPay, PayPal, Apple Pay, Google Pay, Shop Pay, Afterpay, and bank transfer by direct credit to our Westpac account. There are no surcharges on any online payment method.
What payment methods do you accept in-store?
EFTPOS, Visa, Mastercard, Amex, contactless, Apple Pay, Google Pay, Afterpay through the app, Work and Income payment cards, and cash. A 2% surcharge applies to credit card, contactless and Afterpay transactions at the counter. EFTPOS PIN, cash and Work and Income payments have no surcharge.
Do you accept WINZ payments for tyres?
Yes. We are a GST registered supplier, and Work and Income pays us directly by payment card or direct credit. We write WINZ ready quotes every week, itemised with everything a case manager needs to approve it. The Work and Income page walks through the whole process.
Can I buy tyres with Afterpay in New Zealand?
Yes, online and in-store. Four payments over six weeks, the first at checkout, no interest and no fee if you pay on time. Afterpay does not publish a fixed spending limit, so your available amount depends on your own account history, and a credit check applies at signup.
Is there a surcharge for paying by credit card?
In-store only. A 2% surcharge applies to credit card, contactless and Afterpay transactions at the counter, covering the fees our bank charges us. EFTPOS PIN, cash and Work and Income payments have no surcharge, and nothing online carries one.
Can I pay in instalments without a credit check?
Not honestly, no. Afterpay runs a credit check at signup and again when your limit rises, and every other instalment provider operating here does something similar. If the credit check is the barrier, a Work and Income grant or a Good Shepherd Good Loan is the better route, and we write the quote for either.
What is a Good Shepherd Good Loan?
A no interest, no fee loan from a not for profit, run with BNZ. Vehicle costs are on the approved list, up to $7,000, and the money goes straight to the supplier against an approved quote. Income thresholds reach past $130,000 for larger families, so you do not need to be on a benefit. Call them on 0800 466 370, then send us the paperwork and we will write the quote.
Can I pay a deposit and the rest on pickup?
Yes, for in-store and workshop jobs. Ring us on (07) 573 9090 and we will sort it out. Online orders are paid in full at checkout, or split through Afterpay.
Do you invoice businesses and fleets?
Yes. Trade and fleet accounts are handled separately from the retail site. Start with the wholesale credit application or call the workshop and ask for trade pricing.
General guidance based on published standards and our own workshop data — reliable but hand-compiled and not guaranteed error-free. Spot something wrong? Email email@tyredispatch.co.nz and we'll fix it.