Payments, cancellations & refunds

Each seller chooses the payment methods available on their Gate. Customers only ever see the methods a particular seller has enabled, and prices are always shown in New Zealand dollars. Gate + Gather does not charge a percentage commission on individual sales — we run on subscriptions, not on the plants you sell.

Depending on what a seller turns on, a Gate may offer:

• Online card payment (processed by Stripe)
• Pay on pickup — cash, EFTPOS or bank transfer arranged directly with the seller
• Bank transfer prior to pickup where the seller has enabled it
• Other supported methods as Gate + Gather adds them

Where a seller has connected a payment account, customers can pay with a card at checkout. Payments are processed by Stripe under Stripe's own terms — Gate + Gather does not store card numbers or CVCs. Stripe charges its own processing fees, which are the seller's cost of accepting card payments. Payouts arrive in the seller's connected bank account on Stripe's standard schedule.

When an order reserves or purchases stock, the available quantity is reduced immediately so another customer cannot buy the same unit. Where online payment is required, the order is confirmed as soon as payment is successfully completed and both the buyer and seller receive an email receipt.

Where a seller allows payment on pickup, placing an order reserves the stock and sends both parties a confirmation with the pickup details. The seller records the payment against the order once it is received in person. Sellers can decline or cancel a reservation if a customer doesn't turn up within the agreed window — the stock then returns to availability for someone else.

Sellers are responsible for their own tax affairs, including income tax and, where applicable, GST. If a seller is GST-registered they should include GST in the prices they list on their Gate; Gate + Gather does not add GST on top of a seller's prices at checkout. Gate + Gather subscription fees to the seller are separately invoiced with GST where applicable.

Where an order is cancelled before fulfilment — by the buyer within a reasonable window, or by the seller because stock is no longer available — reserved stock normally returns to available inventory automatically. Individual sellers may establish their own reasonable collection and cancellation arrangements (for example, "collect within 48 hours or we release the plants"), provided these are shown clearly on the Gate and comply with New Zealand consumer law.

A seller remains responsible for refunds, replacements and remedies relating to the products they sell. Customers should always contact the seller first — sellers can usually resolve an issue much faster than the platform can. Where an online payment needs to be refunded, sellers issue the refund via their Stripe account, which returns the amount to the customer's original payment method.

Nothing in a seller's Gate terms or in Gate + Gather's platform terms attempts to remove or limit rights that customers have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986, or any other mandatory New Zealand consumer law.