About Afterpay

Shop now, pay it in 4 with Afterpay.

At Australian Computer Traders, you can buy now and pay it in 4 interest-free instalments over 6 weeks.

Afterpay is a buy now, pay later platform that lets you pay for your items in 4 instalments over 6 weeks, interest free.

What is Afterpay?

Afterpay is a buy now, pay later platform that lets you pay for your items in 4 instalments over 6 weeks, interest free.

Easy to apply

Simple and easy to join. Set up an account in minutes. Credit checks apply.

How does Afterpay work?

When you use Afterpay, you pay for your items in 4 instalments over 6 weeks, without incurring any interest. To use Afterpay, add items to your shopping cart, then select Afterpay from the available payment options. You pay for the first instalment of 25% at the time of purchase, and the remaining three instalments will be automatically deducted from your nominated debit or credit card over the following six weeks.

To set up an Afterpay account, you’ll need to:

• Live in Australia or New Zealand
• Be over 18 years of age
• Have an Australian/New Zealand debit or credit card
• Have a valid and verifiable email address and mobile number
• Have a valid and verifiable email address and mobile number
• Be capable of entering into a legally binding contract
• Credit checks apply

Are there any fees for using Afterpay?

Afterpay caps late fees to help keep costs manageable for customers who miss a payment. Late fees will never exceed 25% of the order total or $68 per order, whichever is lower.

How this works:

• For orders under $40: A one-time late fee of up to 25% of the order total applies
• For orders of $40 or more: A $10 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 late fee applies. This is the same for all late payments until the 25% cap or $68 amount is reached. To remain within the cap, we may charge partial amounts of the $10 and $7 fees.
• You can check your General Terms for other late fees caps that may apply.
• Afterpay is committed to doing everything they can to help you not miss a payment, including sending you payment reminders and offering options to reschedule upcoming payment dates.
• Afterpay is designed to be completely different to traditional credit products that charge interest, so that customers are never in a situation of high compounding interest and revolving debt.

Is Afterpay accepted in-store and online?

Afterpay can be used online and in stores, depending on the retailer or service. To shop in-store, you’ll need to download the Afterpay app and set up the Afterpay Card. You can add it to your digital wallet via the ‘In-store tab’ in the app. Then when you’re shopping in-store, just tap to pay with Apple Pay, Google Pay or Samsung Pay. To shop online, select Afterpay as your payment method at the checkout. You’ll be redirected to Afterpay to login or create your account.

Is Afterpay safe to use?

Afterpay has been built with a range of security features and services to help keep your accounts secure, including monitoring transactions to identify fraudulent trends and behaviours, multi-factor authentication, and encryption to protect your information. You can find out more on Afterpay’s safety and security page.

What happens if I require a refund and paid using Afterpay?

Items purchased with Afterpay can be returned for an exchange or refund, subject to Australian Computer Traders’s Returns Policy. Returns or refunds will be processed, and Afterpay will be advised. Your payment plan will then be adjusted to reflect the new total order value. If you have already made a payment, this will be refunded to you via Afterpay.

Where can I find out more about Afterpay?

To find out more, visit the Afterpay website.

For full terms and conditions, visit www.afterpay.com/terms.

Late fees, eligibility criteria and T&Cs apply. Australian Credit Licence 527911