At Afterpay the world’s leading brands, retailers and service providers pay us to help you plan, buy and pay for your products and services online and in-store.

When you sign up with Afterpay, you book, buy or collect the item or service you want today and then pay for it in four instalments due every two weeks. This way, you get what you want without ever losing control of your money or providing personal bank details to anyone else.

In return for this service, retailers and service providers pay Afterpay so we can keep helping you plan, buy, and pay.

This means Afterpay makes its money from retailers and service providers – not from customers like you. That’s why we charge absolutely no interest, ever.

If you miss a payment you won’t be able to buy or book anything else with Afterpay until you settle your account. And we charge you a capped late fee that starts at $10 but never goes higher than 25% of the purchase price or $68 (whichever is less), to help you stick to your plan.

Before each transaction, Afterpay assesses your ability to make repayments in your short instalment plan. The longer you have been a responsible shopper with Afterpay, the more likely we will be to approve your purchase. This helps us grow a community of responsible spenders that work with us every day to plan, buy and pay.

Before making a purchase with Afterpay, it’s important that you think about the following:

Are there sufficient funds in your account? Generally we want to see at least the first instalment amount of the purchase price.
How long have you been using Afterpay? We are more likely to limit you to small purchases in your first 6 weeks.
How much do you have to repay on this purchase and do you have any previous outstanding purchases? The smaller the amount to repay, the more likely your purchase will be approved.
We are committed to ensuring our community supports responsible spending. To help we have developed special proprietary technology to assess individual purchase applications. So while you may not know exactly how much you can spend with Afterpay at any one time, this system is vital to help you stay in control of your money and avoid missed payments wherever possible.

If you’re a responsible spender that’s been with us for a while now, and you’re buying online, your first payment will generally be 2 weeks from the day you bought your item.

To ensure responsible spending across our community, Afterpay may require your first instalment at the time of purchase. We will make this decision case by case, based on your individual repayment history. We will immediately let you know if we require this first instalment, before you make your Afterpay purchase.

And, in some cases, we always require the first instalment at the time of purchase, including:

The first time you use Afterpay
For all orders placed in the first 6 weeks after signing up with Afterpay
For purchases with a value of more than $500.
When shopping in-store.
If you have any questions please contact us here.

Sometimes we run a pre-authorisation check where we take a small amount from your account – up to the value of your first instalment (plus 1 cent) for online purchases and up to 25% of the value of your in-store barcode (plus 1 cent)– to make sure your nominated card is working right.

Once this check is approved, we will instruct the bank to void the transaction. Sometimes it might appear on your account as a second payment.

Don’t worry - it is not a second payment and it will be resolved on your account shortly. If you have any questions, please contact us here.

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 instalments are split before you pay.

Afterpay is free! For you, that is.

Retailers and service providers pay us to help you plan, buy and pay for items you can take home today, without ever losing control of your money. That’s why we don’t charge any interest, ever. And that’s why we do everything we can for you to avoid late fees – because chasing them costs as much as we get back, and if you miss a payment, you can’t buy anything else with us until your account is settled.

At Afterpay we are building a community of responsible spenders who work with us to plan, buy and pay – without losing control of their money.

That’s why Afterpay is the right way to plan, buy and pay.

Customer wants to make a $600 purchase.
But their available Afterpay limit is only $500.
They can pay $100 to cover the 'gap' plus their first $125 instalment upfront.
And pay off the remaining balance by three x $125 fortnightly instalments.