What should I do if my goods haven't arrived or have arrived damaged?
The delivery and quality of the goods and services you buy is always the responsibility of the retailers and the service providers you buy from.
That means you need to get in touch with the retailer if a delivery is taking longer than expected or it arrives with something missing or damaged. It also means that once an order is approved, only the retailer can change that order.
You can normally find a store’s contact details on its website or on the order summary we sent you when you made your purchase. You should generally allow 48 hours for the store to respond. In the meantime, our system will continue to collect your payments as per our agreement.
What if I want to return part of my order?
The amount and type of return you can make on a product will always be determined by the returns policy of the individual retailer you bought the item from. You should be able to find out your options by checking their returns policy on their website or by contacting them directly.
Once a refund has been processed by the retailer it will automatically come through to us and will show up in your payment plan.
What happens to my payments when I refund an order?
Your payments will be adjusted from the fourth payment backwards, this sounds scary and confusing but let's break it down!
If you have returned an order in its entirety and the full amount of the order is refunded, any upcoming payments will be cancelled out and any paid payments will be refunded back to the card you paid on.
Ok, this is where it gets a little more complicated, take a look at this example:
Payment schedule when the order was placed:
|Order #123456||$100.00||Payment Status|
|Second Payment||$25.00||Due in 2 weeks|
|Third Payment||$25.00||Due in 4 weeks|
|Fourth Payment||$25.00||Due in 6 weeks|
The order total was $100 & a refund of $80 was processed.
When the refund was processed by the retailer, the first payment (of $25) had been paid, however, the second, third & fourth were unpaid as they weren't due yet.
Payment schedule when the refund was processed:
|Order #123456||$100.00||Payment Status|
Adjusted to $20
Refund back to card $5
The first payment adjusted to $20, however, $25 had already been paid, so the difference (being $5) was refunded back to the card the payment was paid on.
Making sense? Let's check out what a partial refund looks like in our app:
In this example, the order total was $276.19 & a refund of $218.70 was processed (adjusting the order total to $57.49). The customer had already paid the first payment of $69.05, therefore a refund of $11.56 was paid back to the card the payment was paid on.
Financial refunds can take up to 7 business days depending on your financial institution. If you have any questions you should follow up with them asap.
What happens if I get a refund sent to a cancelled card or closed account?
This can be tricky.
When we process a refund to an account that has been closed or cancelled, funds will generally be held in an “unallocated funds” or a “general ledger” account by the card issuer (bank).
You should contact your card issuer ASAP. They might use different terminology for this type of account but if you use the terms “unallocated funds” or “general ledger”, this should help them understand what happened.
Tip: You might need to ask for a specialist team within the bank to help get to the bottom of this one. Normally this is a manual process (rather than an automatic one), so you will need to speak with the people that manage these processes inside each bank or card issuer.
You should make sure you have the specific date, time and amount of the refund to help match up the money to your account. If you need help finding this information get in touch with us here and ask for your refund confirmation.
Why am I still being charged when I have returned the goods?
First things first – once you have returned your goods we need the retailer to accept the refund and let us know. They won’t refund Afterpay unless they are satisfied that the goods have been returned in a manner consistent with their returns and refunds policy.
We have to wait for this to happen before we can settle your account – otherwise Afterpay would be left carrying the cost of any disputed returns and then we wouldn’t be able to provide you with this free service.
We work with all our amazing retailers and service providers to try and make sure this process happens as quickly as possible – because that’s good for you. But we can’t control this and so we have to wait for our retailers to go through their proper process.
That means our agreement with you; your short payment plan has to continue until we get final confirmation of a return or refund from your retailer and our systems process your refund in the amount agreed between you and the retailer.
And if you need help resolving a returns dispute with a retailer because you’re unable to resolve the dispute directly with them, please get in touch with us here and let us know what’s happening.