Payment Options

1. Easy to apply: Set up an account in minutes. Credit checks apply.
2. Dynamic spend limits: Your available limit may increase over time.
3. Accepted in store and online: Use Pay in 4 wherever Afterpay is accepted.
4. Easy account management: Track payments in the Afterpay app.

When you use Pay in 4, you pay for your items in 4 payments over 6 weeks, without incurring any interest. To use Pay in 4, add items to your shopping cart then select Afterpay from the available payment options. You pay the first payment at the time of purchase, and the remaining three payments will be automatically deducted from your preferred payment method over approximately six weeks.

Afterpay caps Pay in 4 late fees to help keep costs manageable for customers who miss a payment. Pay in 4 late fees will never exceed 25% of the order total or $68 per order, whichever is lower.

How this works for Pay in 4:

• For orders under $40: A one-time late fee of up to 25% of the order total applies
• For orders of $40 or more: A $10 Pay in 4 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 Pay in 4 late fee applies. This is the same for all late payments until the 25% cap or $68 amount is reached. To remain within the cap, we may charge partial amounts of the $10 and $7 fees.
• You can check the Pay in 4 Schedule for other late fee caps that may apply.
• Afterpay is committed to doing everything they can to help you not miss a payment, including sending you payment reminders. For Pay in 4, we also offer options to reschedule eligible upcoming payment dates.

Pay in 4 can be used online and in stores, depending on the retailer or service. To shop in-store, you’ll need to download the Afterpay app and set up the Afterpay Card. You can add it to your digital wallet via the ‘In-store tab’ in the app. Then when you’re shopping in-store, just tap to pay with Apple Pay, Google Pay or Samsung Pay. To shop online, select Afterpay as your payment method at the checkout. You’ll be redirected to Afterpay to login or create your account.

Afterpay has been built with a range of security features and services to help keep your accounts secure, including monitoring transactions to identify fraudulent trends and behaviours, multi-factor authentication, and encryption to protect your information. You can find out more at Afterpay’s and security page.

Items purchased with Pay in 4 can be returned for an exchange or refund, subject to [YOUR BUSINESS]’s Returns Policy. Returns or refunds will be processed and Afterpay will be advised. Your payment schedule will then be adjusted to reflect the new total order value. If you have already made a payment, this will be refunded to you via Afterpay.

To find out more, visit the Afterpay website.