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All you need to know about ABABY & Afterpay.

Spend up to $1000.00 with your credit card or up to $800.00 using a debit card.

Select Afterpay at checkout

Afterpay is fully integrated with the store’s checkout.
All you need to do is choose Afterpay as your payment
option when you’re ready to buy.


Choose how you want to pay your instalments

Afterpay splits your payments over four equal
instalments due every fortnight. Nominate the debit
card or credit card you want to use and we’ll schedule
automatic payments for you.

Get approved instantly and securely

No long forms or detailed personal information. Afterpay
simply uses your nominated bank card to process
your application on the spot.


About Afterpay

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:

  • Live in Australia;
  • Are at least 18 years old;
  • Are capable of entering into a legally binding contract;
  • Have a valid and verifiable email address and mobile number; and
  • Use an Australian credit or debit card to make the purchase.

    We do not require you to fill out a credit application form!

    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.

  • I am a merchant – how do I offer Afterpay?
    Please visit https://www.afterpay.com.au/for-merchants/ and click “Get Started Today”. Once you provide us with your details, a member of our team will contact you within 2 business days.

    We’d love to hear from you!

    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.

    See more about late fees under “Using Afterpay” below.
    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.

    You can also read Afterpay’s Privacy Policy here.

    Where can I use Afterpay?
    Afterpay is available at many leading online retailers across Australia. For a list of online stores, visit our Shop Directory. We are constantly adding new retailers to the list so keep checking our website.

    If you would like to see Afterpay become available on your favourite online store, please send them an email to let them know how much you love using Afterpay!!

    Payments

    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 info@afterpay.com.au.

    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.
    Why can’t I log in to my Afterpay account?
    After you make your first purchase using Afterpay, you will need to create a password in order to access your account on the Afterpay website. This can be done by clicking the link on an email that we send you after making your first purchase, or by clicking “Forgot your Password?” when attempting to login on the Afterpay website.

    If you are using a mobile device and are having issues logging in, try the following
  • Make sure that you have a strong and stable internet connection (WiFi or mobile)
  • Update your device with the most recent version of the OS and browser
  • Close any existing browsers and restart
  • If you have multiple tabs open, close them all and restart
  • Do not use Private Browsing mode

    IMPORTANT: Please ensure that you are using the correct email address to log in to Afterpay (i.e. the email address that you provided us when making your first purchase).

    If you are still having trouble logging in, please email us at info@afterpay.com.au.

  • Why is my order being declined?
    While we strive to make Afterpay available to you as much as possible, we simply can’t approve every transaction. A common reason for the decline is that you have too many outstanding orders with Afterpay. Try and make some payments towards some of your previous purchases by logging in to your account and selecting “Pay Now” before trying to make another purchase using Afterpay.

    If the error still persists, please email us at info@afterpay.com.au and we will respond to you as soon as we can.

    I’ve tried to reset my password but I am not receiving the email with instructions?
    This could be due to a number of reasons, but please try the following:

  • Make sure, if you have multiple email addresses, that you are using the email address you provided when you made your first Afterpay purchase. If you can’t remember which email address you used, try search your inboxes for the Order Confirmation you received from Afterpay or the Retailer.
  • Check your junk mail.

    If you are still unable to find the email with instructions to reset your password, please email us at info@afterpay.com.au

    My account has been disabled. How do I log in to my account to make a payment?
    If your account has been disabled, reset your password by selecting “Forgot your Password” on the log in page and an email will be sent to you. Follow the prompts and your account will become active once again.

    How do I change the email address or phone number on my account?
    Due to security reasons, we do not allow users to change their registered email address or phone number online. If you wish to change either of those details, please email us at info@afterpay.com.au and we will respond to you with some security questions before making these changes for you.

    Why have I been charged a Late Fee?
    If a payment has not been made by you on the Afterpay website before the scheduled payment date, we 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.

    If an automatic payment fails, you have until midnight (AEDT in the summer months and AEST in the winter months) to make payment. After midnight, if that payment has not been made, you will incur a late payment fee of $10 and a further late fee of $7 if the payment is not made within 7 days (as stated in the Afterpay Terms).

    We understand that there are certain extenuating circumstances which will not allow you to make payments on or before the scheduled date. If you believe you fall into this category and would like to discuss your payment schedule with us, please email us atinfo@afterpay.com.au.


    Why haven’t I received my goods yet?
    Unfortunately, we do not have any influence over the delivery of your goods as this process is controlled by the online merchants. At first instance, please contact the store where you purchased your goods from.

    If you are still experiencing problems, please email us at info@afterpay.com.au and we will try reach out to the merchant on your behalf.

    How do I close my account?
    We’re sorry to see you leave Afterpay and hope you’ll reconsider! If you wish to close your account, please email us at info@afterpay.com.au. It would be great if you would let us know why you wish to close your account and if there is anything we can help you with.

    Please be aware that you will need to pay any outstanding amounts before you can close your account.

    Returns

    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.

    How do I dispute a purchase or refund?
    If you are unable to resolve an issue with the retailer, or are experiencing any difficulties with a transaction involving Afterpay, please email us atinfo@afterpay.com.au.