The Chocolate Cottage

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The Chocolate Cottage is a licensed café in Highfields, Queensland, offering breakfast and lunch dishes, coffee, cakes, and handmade chocolates in a garden setting with escarpment views.

Highfields, Queensland, Australia

About The Chocolate Cottage

The Chocolate Cottage is a licensed café and artisan chocolate shop located in Highfields, just north of Toowoomba in Queensland, Australia. Set in historic buildings with cottage gardens and escarpment views, it serves all‑day breakfast, light and hearty lunch dishes, house-made cakes, slices and desserts, as well as specialty coffee, teas and cold drinks. The venue also produces handmade chocolates and confectionery that can be purchased individually, in gift boxes, or as take‑home treats, and it often stocks local or regional gourmet products. Patrons may dine in the café, relax in the garden, or purchase chocolates and cakes to go.

A charge from “The Chocolate Cottage” (or a similar description such as CHOCOLATE COTTAGE HIGHFIELDS or CHOCOLATECOTTAGE.COM.AU) on your bank or card statement usually relates to an in‑person café visit or chocolate purchase, including coffee, meals, cakes, or boxed chocolates. Charges can also occur for group bookings, functions, shared bills where one person pays on behalf of a table, or purchase of gift vouchers. In some cases you may see a pre‑authorisation or temporary “pending” amount if your bank places a hold when you tap or insert your card, particularly for contactless or PayWave transactions; this generally updates to the final amount within a few days.

If you don’t recognise a charge, first think back to any recent visits to Highfields/Toowoomba, café outings, or chocolate and cake purchases, and check your email, wallet, or phone photos for receipts or visit dates that match the transaction date. Compare the exact amount with typical café spends (for example, coffee and cake vs. a full meal or a box of chocolates) and ask family members or employees who may have used the card. To resolve concerns, you can contact The Chocolate Cottage directly via the details on chocolatecottage.com.au or call the café during business hours and quote the transaction date and amount so staff can cross‑check their point‑of‑sale records. If there’s still a discrepancy or you suspect card misuse, contact your bank or card issuer to dispute the transaction or request a card replacement.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to The Chocolate Cottage.

  1. SMP*The Chocolate Cott Highfields AUS

Frequently Asked Questions

Why do I have a charge from The Chocolate Cottage on my statement when I don’t remember eating there?

Most charges from The Chocolate Cottage come from in‑person transactions at their Highfields café—such as coffee, breakfast, lunch, cakes or chocolates. Often people forget small group bills, a quick coffee stop on a day trip, or a family member using a shared card. Check whether anyone else on your account visited Highfields or Toowoomba around the transaction date, and look for receipts, calendar entries, or phone photos from that outing.

What are typical amounts I might see charged by The Chocolate Cottage?

Common smaller charges (roughly AUD $10–$30) usually correspond to coffee and cake, light meals, or a small box of chocolates. Medium to larger amounts (often AUD $40–$120 or more) are typical for full table bills, multiple meals, or larger chocolate and cake purchases, including takeaway boxes or gifts. If your amount looks like a rounded group bill (for example, $78.50), it may have been a shared meal with one person paying the total.

Does The Chocolate Cottage offer gift vouchers, and how do those charges appear?

Yes, The Chocolate Cottage commonly sells gift vouchers that can be used for café dining or chocolate purchases. When you buy a voucher, the charge will appear just like a normal purchase from The Chocolate Cottage, usually for a rounded amount such as AUD $50, $75, or $100. If you don’t recognise a rounded charge, ask whether you or someone on your account recently bought a gift voucher as a present.

Why do I see a pending or duplicate charge from The Chocolate Cottage?

Some banks show a temporary authorisation when you tap or insert your card, followed by the final settled amount once the payment is processed. This can look like a duplicate charge even though only one will actually be debited. The authorisation should drop off automatically within a few business days; if it doesn’t, contact your bank and, if needed, The Chocolate Cottage with the date and amount so they can confirm what was charged at their terminal.

Can I get an itemised receipt or tax invoice for a charge from The Chocolate Cottage?

If you need an itemised receipt (for example, for business or travel expenses), contact The Chocolate Cottage directly using the phone or email listed on chocolatecottage.com.au. Provide the approximate date and time of your visit, the last four digits of the card used, and the exact amount on your statement so staff can locate the transaction in their system. They can usually reissue a tax invoice or give you a detailed breakdown of what was purchased.

How do I resolve a billing issue if I believe I was overcharged at The Chocolate Cottage?

Start by comparing your receipt (if you have it) to the amount on your bank or card statement to check for tips, surcharges, or multiple items on one bill. If something appears incorrect, call or email The Chocolate Cottage as soon as possible with your receipt, transaction date, and amount so they can review the point‑of‑sale record and, if needed, process a correction or refund. If you’re unable to resolve it directly or suspect card fraud, contact your bank to initiate a formal dispute.

Does The Chocolate Cottage run subscriptions or recurring payments?

The Chocolate Cottage primarily operates as a café and chocolate shop and does not typically run subscription services or ongoing direct debits like a streaming or gym membership would. If you see repeated charges, they’re usually from separate visits, multiple transactions in a short period (such as breakfast and then a take‑home chocolate purchase), or multiple card uses by someone on the same account. For unexplained recurring charges, speak with both the café and your bank to confirm each transaction.

How can I contact The Chocolate Cottage about a charge I don’t recognise?

Visit chocolatecottage.com.au for the most up‑to‑date phone number, email address, and opening hours for the Highfields café. When you contact them, have your statement handy with the exact transaction date, time (if available), amount, and the last four digits of the card so staff can quickly search their system. They can confirm whether the transaction occurred at their venue and advise on next steps, including clarifying the bill or helping you if a refund or correction is needed.

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