Simply shop with one of your favorite stores found in the Shop Directory and choose Afterpay as your payment method at checkout. First-time customers will need to create an Afterpay account (with instant approval decision) and returning customers will simply log in to make their purchase. For online orders, the goods will be shipped to you by the retailer after checkout. For in-store shopping, download the Afterpay mobile app, follow the in-app instructions to set up the Afterpay Card, and use the Afterpay Card with Apple Pay or Google Pay to make a contactless payment at checkout.
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 take the money from your debit or credit card on your payment due dates.
Please Note: Afterpay does not approve 100% of orders. We are committed to ensuring we support responsible spending.
When determining which orders to approve, we consider a number of different factors. As an example, the longer you have been a shopper using Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more.
Things to consider
- Are there sufficient funds on your card? Generally we look to see the first instalment amount available to spend.
- The length of time you have been using Afterpay
- The amount you have to repay
- The value of the order you are trying to place
- The number of orders you currently have 'open' with us
While we know it can be frustrating to not know exactly how much you can spend each time or how many active orders you can have, our rules and approval process help Afterpay responsibly offer our service to our customers.