How does Afterpay work?

Afterpay allows you to shop now and pay later, always interest-free. With Afterpay, your purchase will be split into 4 payments, payable every 2 weeks.

Simply shop with one of your favourite 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, Google Pay or Samsung Pay to make a contactless payment at checkout. You’ll pay 25% at the time of purchase, and take your purchase home that day. It’s that easy!

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 Afterpay 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. They are committed to ensuring they support responsible spending.

When determining which orders to approve, they 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 they 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 them

While Afterpay knows it can be frustrating to not know exactly how much you can spend each time or how many active orders you can have, their rules and approval process help Afterpay responsibly offer a completely free service to shoppers.

I want to shop - how do I sign up?

We recommend you start by downloading the Afterpay mobile app and following the prompts to create an account and begin shopping! The app allows you to shop and checkout with Afterpay in-store, offers a personalized shopping experience and helps you manage your orders.

For in-store shopping, you’ll need to create an Afterpay account, download the app, and add the Afterpay Card to your digital wallet.

For online shopping, you don't actually need to register prior to making your first Afterpay purchase! When you are making a purchase with a retailer that offers Afterpay, like Boho Road Trip (or visit Afterpay's Shop Directory for a full list), 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 or download the Afterpay app to set up a password and you will be able to make more purchases using Afterpay by simply entering your login details upon checkout.

To be eligible to use Afterpay you must:

  • Be living in Australia
  • Be at least 18 years old
  • Have a valid and verifiable email address and phone number
  • Use an Australian bank payment card
  • Be capable of entering into a legally binding contract
  • Have a verifiable and valid ID

When will my first payment be taken?

Afterpay will take the first payment at the time you place an order with them. This is usually 25% of the total purchase price.

Sometimes they run a pre-authorisation check where they take a small amount from your account – up to the value of your first instalment (plus 1 cent) for online purchases and up to 25% of the value of your in-store Afterpay Card (plus 1 cent)– to make sure your nominated card is working right.

Once this check is approved, they will instruct the bank to void the transaction. Sometimes it might appear on your account as a second payment.

Don’t worry - it is not a second payment and it will be resolved on your account shortly. If you have any questions, please contact Afterpay here.  

First Payment higher than the other three? For some purchases, if your total order amount exceeds your Afterpay-approved spending limit the first payment may be higher than subsequent payments. Afterpay will show you how the instalments are split before you pay.

Is there a cost to using Afterpay?

Afterpay is a free service when you pay on time - there are no upfront fees charged or any interest incurred.

The only fees that may be incurred 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.

Afterpay is committed to doing everything they can for you to avoid late fees, including sending reminders leading up to the payment due date. They will charge a capped late fee that starts at $10 but never goes higher than 25% of the order value or $68 (whichever is less).

If you have any questions, please contact Afterpay here.

Further information can be found on the Afterpay website.