Back to Payments





The New Zealand Pandora Online Store ( accepts the following payment types:
•    Credit Card: Mastercard and Visa
•    AfterPay
•    Pandora Gift Cards (including Pandora e-gift cards): only gift cards issued in New Zealand loaded with New Zealand currency 


Split Payments
If paying with a Pandora gift card or e-gift card, please enter the gift card details, if there is an outstanding balance you can choose from Credit Card or Afterpay to pay for the remaining balance. Currently only one gift card or e-gift card may be redeemed per order. Split payments are not applicable to any other payment types.


Restrictions When Purchasing Gift Cards
If purchasing a gift card or e-gift card online, not all payment types are available. Payment options for purchasing a gift card or e-gift card are:
•    Credit Card: Mastercard and Visa


Declined Payments
If your payment is declined please check with your bank or financial institution first. There may be a problem with your card/account or their services are preventing your payment from being accepted. Alternatively, try using a different credit card or payment method to complete your transaction. If you receive an error message that you cannot resolve with your bank, contact our Consumer Experience Team for further assistance.





Q. I'm experiencing issues with my payment. What should I do?

A: If you encounter payment problems, we recommend checking the following:

  • Ensure that your payment information is correct.
  • Verify that your card or payment method is not expired.
  • Make sure there are sufficient funds available in your account.
  • Contact your bank to confirm if they are blocking the transaction for security reasons.

Q. What is 3D Secure and how does it affect my payment?

3D Secure (also known as Verified by Visa, MasterCard SecureCode) is an additional layer of security for online credit and debit card transactions. It's designed to protect you from unauthorized use of your card. When making a payment at Pandora, you may be prompted to enter a one-time code or password, which you'll receive via SMS or email or app notification from your card-issuing bank. This extra step adds an additional layer of security to your online transactions and helps prevent unauthorised usage of card.


Q. What should I do if I encounter issues with 3D Secure during payment?

A: If you experience issues with 3D Secure during your payment, please ensure that you have registered your card for this service with your issuing bank. You may need to contact your bank for assistance in troubleshooting 3D Secure for your card.


Q. I see an unfamiliar charge on my credit card statement from Pandora. What should I do?

A: If you notice a charge on your credit card statement that you don't recognize, please take the following steps:

Verify whether the charge is associated with a recent purchase you made in Pandora.
It's a good practice to check with friends and family members who may have access to the card or card information. Sometimes, unfamiliar charges may be the result of authorized transactions made by someone else sharing the card.

Q: Is it possible to update my account or payment card information for the refund process?

A: We do not facilitate changes to the refund account or card. The refund will be processed to the original payment method used for the purchase.


Q: Why did my payment is not successful even though I have sufficient funds?

A: Order failures can occur for various reasons, including incorrect details such as the card number, CVV, or expiry date, or it's possible that your card may have specific restrictions that caused the transaction to be declined. If your order fails even though you have sufficient funds, please consider trying an alternative card or payment method, or contact our Customer Service team for further assistance.


Q: How many days it will take to get my refund?

A:  The refund process will be initiated once we receive the products in good condition. It typically takes 7 to 10 business days for the refund to be credited to your original payment method.