Payment Arrangements

Poihakena Portraits Lay By Policy, Take Home Lay-By & Direct Debit

You can lay-by purchases of $350 or more from Poihakena Portraits and spread the payment over a number of weeks. To establish a lay-by, you must pay $50. $10 of this is a non-refundable service fee that will be credited to your purchase once Lay-by is complete. Regular fortnightly payments of at least $5 must be made.

Lay-bys depending on value must be completed within the following time frames

  • $350-$500    3 Months
  • $501-$800    6 months
  • $801 +          12 months

Where can I make payments? Payments may be online via credit card, PayPal,  Bank Transfer & EFT. We also accept cash & eftpos at our St Clair Studio. We also do direct debit & Bpay on Lay-by over $500(minimum $25 per fortnight).

Take Home Lay-By We offer a take home lay-by service on orders over $500. Payment of 40% of the purchase price must be made at time of ordering. A direct debit will be set up with minimum fortnightly payments of $25. Once the first payment has gone through the products will be made available for collection or delivery. In the event that you default on your payments Poihakena Portraits may engage a third party to collect the remainder of outstanding monies.

What products cannot be purchased on lay-by? Any special priced items that have a short term price can not be put on lay-by.

Collecting your purchases. You can collect your purchases from our St Clair studio 4 weeks after your final payment. A time must be arranged for this collection. Delivery of items via registered post or courier will be arranged once final delivery address has been confirmed.

Cancellation by you. Lay-bys may be cancelled by you at any time during the term, in which case you will be entitled to a refund of the amount you have paid, less a termination fee of $25 (which is in addition to the $10 non-refundable service fee). You will need to advise us in writing that you wish to cancel. Refunds for lay-by payments will usually be made using the original payment method. Payments made via PayPal funds will be refunded using that method.

Cancellation for non-payment or non-collection. It is your responsibility to make the regular lay-by repayments and collect your purchases by the due date. Failure to make payments when they are due or collect lay-bys by the due date will be treated as cancellation of the lay-by. Poihakena Portraits is not required to contact you before cancelling a lay-by for non-payment or non-collection. If your lay-by is cancelled, you will be entitled to a refund of the amount you have paid,  less a termination fee of $25 (which is in addition to the $10 non-refundable service fee).

Other terms. Lay-by contents cannot be modified. You may change your contact details or request a replacement lay-by invoice. Lay-by terms may be varied for specific events or promotions.

Your privacy. Your personal information will be used to administer the lay-by, including for Poihakena Portraits or third parties to send reminders.Poihakena Portraits  respects customer privacy and will only use your personal information in accordance with Poihakena Portrait’s Privacy Policy (see or contact for further details). You authorise us to pass on any personal information we deem necessary relating to you to assist in the supply of any services including Payment Schemes, subcontractors, monitoring services or in relation to any enforcement of our rights under this agreement.

Click the link below to get your personalised Bpay reference to make payment for your order

Set Up Direct Debit