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 merchants and the service providers you buy from. That means you need to get in touch with the merchant 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 merchant 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. And you should generally allow 48 hours for the store to respond. In the meantime our system will continue to collect your instalments as per our agreement. If you have any questions, please contact us here.
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 merchant 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 merchant 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!
Full Refunds
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.
Partial Refunds
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 |
| First Payment | $25.00 | PAID |
| 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 merchant, 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 |
| First Payment | $25.00 |
Adjusted to $20 Refund back to card $5 |
| Second Payment | $25.00 | Cancelled |
| Third Payment | $25.00 | Cancelled |
| Fourth Payment | $25.00 | Cancelled |
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.
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.
The below example showcases how the refund will appear within the Order Details screen of your Afterpay app.
In this example, the order total was $189 & a refund of $189 was processed (adjusting the total purchase amount to $0.00). The fourth payment was cancelled, and since the first three payments of $47.25 had already been made, a refund of $142.50 was processed back to the original card the payment was made with.
What happens if I get a refund sent to a cancelled card or a closed bank account?
You should contact your card issuer asap. 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 merchant 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. So 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 merchant 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 merchants to go through their proper process.
That means our agreement with you – your short instalment plan – has to continue until we get final confirmation of a return or refund from your merchant and our systems process your refund in the amount agreed between you and the merchant.
And if you need help resolving a returns dispute with a merchant 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.