Afterpay lets you shop now and pay for your order in four interest-free instalments, paid every two weeks. Here’s how to use Afterpay at checkout.
Check your eligibility
To use Afterpay you’ll need to:
- Be at least 18 years old
- Have a valid Australian debit or credit card
- Have a mobile number and email address for account verification
- Pass Afterpay’s spending and approval checks, which may vary per customer
Afterpay may require additional ID verification under its responsible lending obligations.
How to pay with Afterpay at checkout
- Add your items to the cart and proceed to checkout.
- Select Afterpay as your payment method.
- Log in to your existing Afterpay account, or create one if you're new.
- Review your instalment plan and approve the purchase.
- Your first instalment may be due at checkout, with the remaining payments scheduled automatically.
Once approved, your order will be processed immediately.
Spending limits and approvals
Afterpay’s approval decisions are made in real time and depend on factors such as:
- Your repayment history
- The total amount of the order
- Your existing outstanding Afterpay balance
- Whether your account has been verified
- Responsible spending limits applied by Afterpay
Because these checks vary, even long-term customers may occasionally have a transaction declined.
Fees and late payments
Afterpay charges no interest. Late fees may apply if a scheduled payment is missed. You can manage or reschedule payments through the Afterpay app or website.
Refunds and returns
If your order is refunded:
- Afterpay will adjust or cancel your future instalments
- Any paid instalments will be refunded back to your card
The timing of refunds may vary depending on your bank.
Need help?
If you experience issues using Afterpay, please check:
- The Afterpay app for account status or verification prompts
- Your available spending limit
- Your card details and available funds
If your payment continues to be declined at checkout, you’re welcome to contact our customer care team for assistance.