How does Afterpay work?

We offer simple instalment plans for online shoppers, allowing a purchase to be paid for in four equal instalments, due every fortnight. Simply shop with one of our favourite stores found in the Shop Directory and choose Afterpay as your payment method at checkout. First-time customers provide payment details as usual, returning customers simply log in to make their purchase. It’s that easy! 

After you check out, the goods will be shipped to you by the merchant. 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 deduct the instalments from your debit or credit card every fortnight.

Who can use Afterpay?

Afterpay is available to all people who: 

I am a shopper – how do I sign up to Afterpay?

You do not need to register prior to making your first Afterpay purchase. 

When you are making a purchase with one of our favourite stores found in the Shop Directory, simply choose Afterpay as your payment method at checkout. If it’s your first time using Afterpay, you will provide payment details as usual to complete your purchase. 

Once your first order is approved, your Afterpay account is created. All you need to do is visit www.afterpay.com.au to set up a password, and you will be able to make more purchases using Afterpay by simply entering your log in details upon checkout.

Is there a cost to use Afterpay?

Afterpay does not charge a fee to consumers when purchasing. The only fees applied to consumers 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. 

Is Afterpay safe and secure?

Yes, 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. 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 customer credit card information and data. 

This is the highest level of security in the payment industry. 

Are my payments automatically deducted from my card?

Yes. If a payment has not been made by you on the Afterpay website before the scheduled payment date, Afterpay will automatically take payment from your default payment method on that date. The scheduled payment dates can be seen in the confirmation email sent to you after your order was approved, or by logging in to your Afterpay account at www.afterpay.com.au

To avoid late fees, simply ensure that you have sufficient funds available on the credit or debit card used to ensure the scheduled payment is made successfully.

When will my first payment be charged?

All new Afterpay customers are required to make their first payment at the time of purchase. You will no longer be considered a ‘new’ customer once you have fully paid off your first order AND 6 weeks have passed since you placed that order. For online orders under $500 placed thereafter, your first payment will only be deducted 2 weeks after your purchase and your last payment deducted 8 weeks after purchase. For all orders over $500, your first payment will always be deducted at the time of purchase. For any In-store order, you will always be required to make your first payment at the time of purchase.

How can I pay for my order using a different payment method?

If you would like to change your payment method, please follow these steps: 

  1. Log in to your Afterpay account at www.afterpay.com.au
  2. Select “My Account”
  3. Select “Billing”
  4. Select “Add Payment Method” and complete card details before clicking “Add Payment Method”
  5. Next to the new payment method, select “Make Default” to ensure that all future transactions are made using the new payment method

We currently only accept Mastercard and Visa credit and debit cards issued in Australia. Please note that we do not accept payment via bank transfer or BPAY.

How do I make my payment/s early?

If you would like to make a payment before the scheduled date, please follow these steps: 

  1. Log in to your Afterpay account at www.afterpay.com.au
  2. Select “Payment Schedule”
  3. Next to the payment that you would like to pay early, select “Pay Now”
  4. Choose the desired payment method and select “Submit Payment”

If the payment is successful, the automatic payment will no longer be processed on the original scheduled date.

What do I do if my automatic payment failed?

If your payment fails, you will be sent a notification by SMS and email. Please log in to your account to make the payment immediately by following these steps: 

  1. Log in to your Afterpay account at www.afterpay.com.au
  2. Select “Payment Schedule”
  3. Next to the overdue payment select “Pay Now”
  4. Choose the desired payment method and select “Submit Payment”

Can I change my payment schedule?

At the moment, you are not able to change your payment schedule. However, this is something we are exploring for the future.

What do I do if my card is lost or stolen?

If your card is lost or stolen, please add a new payment method before your next scheduled payment to ensure that you do not incur any late fees. To do this, please follow these steps: 

  1. Log in to your Afterpay account at www.afterpay.com.au
  2. Select “My Account”
  3. Select “Billing”
  4. Select “Add Payment Method” and complete card details before clicking “Add Payment Method”
  5. Next to the new payment method, select “Make Default” to ensure that all future transactions are made using the new payment method

If you have any difficulties, please email us at [email protected].

Which cards does Afterpay accept?

Afterpay currently accepts Mastercard and Visa credit and debit cards issued in Australia. Unfortunately we do not accept any prepaid cards or foreign debit/credit cards.

What if I want to return my whole purchase?

Returns are subject to the retailer’s returns policy and all goods should be returned as usual. You should contact the retailer that provided you the goods to arrange the return and ensure the goods are sent back in a saleable condition. 

When the retailer receives the goods and accepts the return, Afterpay will be notified by them and all future payments for that order will be cancelled. If you have already made one or more payments, the total amount paid will be refunded to the credit/debit card that you used to place the order. Once notified by the retailer, we will process the refund immediately and send you an email to confirm that the refund has been applied. The bank may take 48 hours or longer to refund the money to your card. 

Please note, you will be liable for all payment amounts until Afterpay receives confirmation from the retailer that a return has been accepted.

What if I only return some of the goods I purchased? How do I obtain a partial refund?

Returns are subject to the retailer’s returns policy and all goods should be returned as usual. You should contact the retailer that provided you the goods to arrange the return and ensure the goods are sent back in a saleable condition. 

When the retailer receives the goods and accepts the return, Afterpay will be notified by them and the refund will be applied. Please note that refund amounts are taken off the last payment/s first. If at least one payment has been made in relation to this purchase, and the refunded amount is greater than the amount outstanding, the difference between these amounts will be refunded to the credit/debit card that you used to place the order. The bank may take 48 hours or longer to refund the money to your card. 

For example, let’s say you made a $400 purchase using Afterpay (i.e. 4 instalments of $100 each) and wish to return items worth $250. Once we are notified by the retailer that the return has been approved, we will cancel your 3rd and 4th instalments of $100, and amend your 2nd instalment to $50. Your new payment schedule would become 2 payments (instead of 4) of $100 & $50. If you had already made 2 payments of $100 each, a refund of $50 would be applied to your card and the remaining 2 payments would be cancelled. 

You can log in to your Afterpay account at any time to view your updated payment schedule. 

Please note, you will be liable for all payment amounts until Afterpay receives confirmation from the retailer that a return has been accepted.

Why I am still getting charged by Afterpay even though I have returned my goods?

Unfortunately we need to wait until we are notified by the retailer that the refund has been accepted. We work closely with all of our merchants to ensure that this happens as quickly as possible. If you are charged any amounts by Afterpay for a purchase that the retailer has agreed to refund, we will refund you the amount as soon as we are notified by the retailer. To find out the status of your return, please contact the retailer where you made your purchase.

Afterpay - Wear Now Pay Later
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