Short answer: Tilekind takes card or PayPal, in Australian dollars with GST included in the price shown, and offers no buy-now-pay-later option. Of the eight other Australian tile shops compared here, four publish one: National Tiles (Afterpay), Future Tile (Afterpay and Zip), TileCloud (Afterpay, Zip and Humm) and Beaumont Tiles (Zip, on a separate page of its site). Only National Tiles publishes card surcharge rates, and the Reserve Bank of Australia has decided to end surcharging on eftpos, Mastercard and Visa cards from 1 October 2026.
Every shop fact below was read on that shop's own website on 29 September 2026, and read again on 9 October 2026: a FAQ, terms page, help centre or site footer. Nothing here was checked by placing an order, and a method listed on a page is not a promise that it will be offered for every order; the checkout shows what is available when you pay.
1. Payment methods, shop by shop
Shops are listed alphabetically, with Tilekind last. Where a shop writes its methods out, the table follows that wording; where it only shows payment icons in its footer, the table says so. Payment widgets on product pages were not counted: the table reflects what each shop states in writing or shows in its footer.
| Shop | Payment methods, as published | Buy now, pay later |
|---|---|---|
| Beaumont Tiles | Cash, cheque, electronic funds transfer, Visa or Mastercard credit cards (terms of trade) | Zip, on a separate page of its site; the page speaks of buying in store and says Zip is “only available for full RRP priced items” |
| Future Tile | Visa, Mastercard, Amex, PayPal and Apple Pay, written out in the site footer | Afterpay and Zip, in the same footer line |
| National Tiles | Visa, Mastercard, American Express, Apple Pay, Google Pay and PayPal online; bank transfer (sales terms) | Afterpay, online, “Subject to Afterpay terms” |
| The Tile Collective | All major credit and debit cards and direct deposit; online also PayPal, Apple Pay, Google Pay and Shop Pay (FAQs) | None stated |
| TileCloud | “Mastercard, PayPal, Visa, Amex Diners Club”; its terms add Apple Pay, Google Pay and Shop Pay; phone payment or bank transfer if required; no cash (help centre); its footer also lists Union Pay | Afterpay, Zip and Humm |
| Tile Lane | Visa, Mastercard and American Express in its written policy; the footer also shows Apple Pay, Google Pay, Shop Pay and Union Pay | None stated |
| Tilemall | No written list; the footer, under “Payment methods accepted”, shows American Express, Apple Pay, Google Pay, Mastercard, PayPal, Shop Pay, Union Pay and Visa | None shown |
| TileTouch | No written list; the footer shows the same eight | None shown |
| Tilekind | Card or PayPal, in Australian dollars with GST included (FAQ); the footer shows American Express, Apple Pay, Google Pay, Mastercard, PayPal, Shop Pay, Union Pay and Visa icons | None |
Three things stand out. All nine name or show Visa and Mastercard, and seven of the nine name or show PayPal; Beaumont Tiles and Tile Lane do not. Three shops list bank transfer or direct deposit in writing (National Tiles, The Tile Collective and TileCloud), Beaumont Tiles lists “electronic funds transfer”, and none of the others mention it on the pages read. And buy now, pay later splits the field: four shops publish it, five do not.
2. Surcharges for paying by card
A surcharge is an extra charge added at checkout for paying a particular way, usually by card. Two of the nine shops say anything about one.
- National Tiles states rates: up to 1.06% on Visa and Mastercard credit cards, up to 2.1% on American Express, and 1.12% on payment links sent by text from its support team. Its sales terms say “No surcharges apply to cash, direct deposit (bank transfer), PayPal, or Afterpay payments”, and that “Digital Wallets are treated as card payments and may incur the same surcharge as the underlying card.”
- Beaumont Tiles states a general clause with no rate: it may charge a surcharge “equal to our reasonable cost of acceptance”.
- The other seven say nothing about surcharges on the pages read. For Tilekind, no published page mentions a surcharge, and prices are shown with GST included.
The rules are changing. On 31 March 2026 the Reserve Bank of Australia published the conclusions of its review of card payment costs. They include “removing surcharging on debit, prepaid and credit cards on the designated eftpos, Mastercard and Visa card networks”, and the Reserve Bank says most of the changes, including the removal of surcharging, come into effect on 1 October 2026. The decision names those three networks and does not name American Express; the release says areas the review did not cover, including three-party card networks and buy now, pay later services, will be looked at in a separate consultation. The National Tiles rates above are as published on its page; this page records what a shop publishes, not what its checkout charges.
3. Buy now, pay later on a tile order
Moneysmart, the Australian Government's money guidance site run by ASIC, describes buy now, pay later this way: “you pay by instalments over time, instead of paying the full amount upfront.” It adds that these services “are often advertised as 'interest free' or '0% interest'. But while they may not charge interest, they may charge fees”, and lists late fees, monthly account-keeping fees, payment processing fees and establishment fees among them.
The four shops that publish an option describe it in their own words:
- Future Tile, in its footer: Afterpay, “Shop now, pay later in 4 interest-free payments.”
- TileCloud lists Afterpay, Zip and Humm as “interest-free financing solutions”, chosen at checkout.
- National Tiles lists Afterpay for online orders, “Subject to Afterpay terms”.
- Beaumont Tiles has a Zip page that describes the option as a way to “buy in-store today and pay later”, and says “Zip is a Credit Offer, therefore is only available for full RRP priced items.”
The terms that matter, such as fees, repayment dates and what happens after a missed payment, are set by the provider, not by the tile shop. Moneysmart's page sets out what to check before signing up.
4. When payment is taken
Three of the nine shops say on the pages read that you pay when you order:
- Tilekind, terms of service: “We must receive and process your payment before your order is accepted.”
- TileCloud, terms and conditions: “Payment is taken when you place your order.”
- Tile Lane, shipping and returns page: “Your credit card will be charged when you place your order.”
Two more set a deadline rather than a moment. Beaumont Tiles' terms of trade say that, without a credit facility, goods must be paid for “before they are despatched”. National Tiles' sales terms say customers without an account “must pay for an Order in full prior to the supply of Goods and Services”.
Refunds are the other end of the same question. Tilekind's refund policy says: “Approved refunds are returned to your original payment method within 10 business days. Your bank or card issuer may take additional time to post it.” Returning tiles in Australia compares what each shop says about returns and refunds.
5. Where Tilekind sits
- Methods: card or PayPal, as the FAQ puts it. The footer shows eight payment icons: American Express, Apple Pay, Google Pay, Mastercard, PayPal, Shop Pay, Union Pay and Visa.
- Currency and GST: prices are shown in Australian dollars and include GST, as both the FAQ and the terms of service say. Delivery is calculated at checkout.
- Buy now, pay later: none. If paying in instalments matters for your order, four of the other eight shops publish an option.
- Bank transfer: not among the methods on any Tilekind page; the FAQ names card or PayPal.
- Surcharges: no Tilekind page mentions one.
- Refunds: under the refund policy, approved refunds go back to the original payment method within 10 business days.
Payment is only one of the things that differ between shops. Online tile shops in Australia compared sets samples, delivery, returns, payment and trade accounts side by side, and Tile delivery in Australia covers how each shop charges for delivery.
Common questions
Can I buy tiles online with Afterpay?
At some shops. Of the nine compared here, National Tiles, Future Tile and TileCloud list Afterpay on their own pages. Tilekind does not offer it.
Which tile shops take Zip?
Future Tile and TileCloud list Zip, and Beaumont Tiles has a Zip page that speaks of buying in store and limits Zip to full RRP priced items. TileCloud also lists Humm. Tilekind does not offer Zip.
Is there a surcharge for paying for tiles by card?
It depends on the shop and, from 1 October 2026, on the card. National Tiles publishes rates for Visa, Mastercard and American Express, and Beaumont Tiles reserves the right to charge one. The Reserve Bank has decided to end surcharging on eftpos, Mastercard and Visa cards from 1 October 2026; its decision does not name American Express. No Tilekind page mentions a surcharge.
Does Tilekind take PayPal?
Yes. The FAQ says checkout takes card or PayPal, and PayPal is among the eight methods in the site footer.
Can I pay Tilekind by bank transfer?
Bank transfer is not among the payment methods on any Tilekind page. The FAQ names card or PayPal.
The same nine shops on other questions. Online tile shops in Australia compared brings the comparisons together; the others in this series cover tile samples, delivery, returns and prices per square metre.
Where these facts come from
Each shop's payment wording was read on its own website on 29 September 2026, and again on 9 October 2026: Beaumont Tiles' terms of trade and Zip page; Future Tile's site footer; National Tiles' sales terms; The Tile Collective's FAQs; TileCloud's help centre and terms and conditions; the site footers of Tilemall and TileTouch; Tile Lane's shipping and returns page and footer; and Tilekind's FAQ, terms of service, refund policy and footer. Footer icons were read from each page's source on 29 September 2026. No order was placed and no checkout was opened. Payment terms change, so check the shop's own page, and the checkout, before you pay. For the other things buying online involves, see Buying tiles online in Australia: what to check.
References
Reserve Bank of Australia (2026). Review of Merchant Card Payment Costs and Surcharging – Conclusions Paper, media release 2026-10, 31 March 2026. rba.gov.au/media-releases/2026/mr-26-10.html
Moneysmart (ASIC). Buy now pay later services, last updated 14 July 2026. moneysmart.gov.au/other-ways-to-borrow/buy-now-pay-later-services
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