ABOUT USING AFTERPAY
HOW DOES AFTERPAY WORK?Afterpay allows us to offer installment plans for our customers, allowing a purchase to be paid for in four installments, due every 2 weeks.
Simply shop our online store to add products that total at least $35 and choose Afterpay as your payment method at checkout. First-time shoppers provide payment details as usual, returning shoppers simply log in to make their purchase. It’s that easy!
After you check out, the goods will be shipped to you once your order is processed. At any time, you can log in to your Afterpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically take the money from your AMEX, debit or credit card on your payment due dates.
Please Note: Afterpay does not approve 100% of orders.
When determining which orders to approve, AfterPay considers a number of different factors. As an example, the longer you have been a shopper using Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more.
Things to consider:
• Are there sufficient funds on your card (generally Afterpay look to see the first installment amount available to spend)
• Length of time you have been using Afterpay (tighter in the first 6 weeks)
• Amount you have to repay, it may help to pay some off (not a guarantee)
• The value of the order you are trying to place, it may help to reduce the value of your shopping cart (not a guarantee)
• The number of orders you currently have 'open' with us (not a guarantee)
Whilst we know it can be frustrating to not know exactly how much you can spend each time or how many active orders you can have, Afterpay rules and approval process helps to responsibly offer a completely free service to shoppers.
WHO CAN USE AFTER?Afterpay is a payment service offered by US online retailers for shoppers who:
Are a resident and reside within one of the 50 states or the District of Columbia. Afterpay is not available in US Territories.
Are at least 18 years old; (19 years old in Alabama or if you are a ward of the state in Nebraska)
Are capable of entering into a legally binding contract;
Have a valid and verifiable email address and mobile number;
Provide a valid delivery address in the United States;
Be authorised to use the US-issued credit or debit card or AMEX to make the purchase
WHEN WILL MY FIRST PAYMENT BE TAKEN?You will more than likely pay the first installment of the purchase price at the time you place the order. If you have been shopping with Afterpay for some time, and have a really good repayment history., you may find that we defer taking the first payment until 2 weeks (15 days for residents of California) after you make your purchase.
In all cases you will be notified on screen if the first payment is due at the time of the purchase. We also send you a confirmation email outlining the amounts and dates that the payments are due.
FIRST PAYMENT HIGHER THAN THE OTHER THREE?For some purchases, if your total order amount exceeds your Afterpay-approved spending limit the first payment may be higher than subsequent payments. Afterpay will show you how the installments are split before you pay.
IS THERE A COST TO USING AFTERPAY?Afterpay is a free service offered by retailers to shoppers - there are no upfront fees charged or any interest incurred.
The only fees that may be incurred by shoppers are late fees if your scheduled payments are unsuccessfully processed and, after being notified, you do not log in to your Afterpay account to make your payment via a different method.
Late fees for shoppers in the USA are capped at 25% of the order value.
We understand how important security is so we ensure that your personal information is protected. Afterpay is a PCI DSS Level 1 certified compliant Service Provider organisation.
IS AFTERPAY SAFE AND SECURE?
PCI DSS is a comprehensive set of requirements created by the Payment Card Industry Security Standards Council to enhance cardholder data security and to ensure the safe handling and storage of sensitive credit card information and data.
This is the highest level of security in the payment industry.
DOES AFTERPAY MAKE ALL OF ITS MONEY FROM LATE FEES?Afterpay makes more money from people making payments on time than we do from missed payments or late fees.
That is why Afterpay does everything possible to make sure you only buy what you can afford and avoid missing any payments including:
Afterpay stops your purchasing once you’ve missed a payment so you can’t go deeper into debt
And Afterpay uses proprietary technology to stop people purchasing too much – including half of all first-time purchasers and 30 percent of all purchase attempts
Can you imagine a credit company stopping you from going further into debt or buying more because you missed a payment?
That’s why Afterpay is a great way to plan, book, buy and pay.