How AfterPay Works & How To Get Started

AfterPay works on a simple strategy where member retailers offer customers the option to pay in installments. The purchase amount is split into 4 manageable fortnightly installments, and this offer is available both online and in store. The service is free, without any interest or contracts for people who pay on time.

AfterPay basically wants to promote responsible spending by helping users and not let fall into debt. This is done by not letting customers use AfterPay to make any further purchases until all the previous installments are paid.

A customer’s approved spending limits generally depend on their repayment history. So while a new member will have smaller spending limits, those who successfully pay all their installments and build up their track record may be eligible for larger spending limits.

How AfterPay Works

AfterPay works with the world’s leading brands, retailers and service providers who pay them to help customers like you plan and pay for your chosen product or services both online and offline.

Once you sign up, you book, buy or collect your item or service and pay for it in 4 equal installments, to be paid every fortnight. So you can get what you want sooner, without losing money control or divulging your personal bank details to anyone.

Retailers and service providers pay AfterPay to help you plan, buy and pay. So it’s actually through retailers and service providers that AfterPay earns money, and the reason why they don’t charge customers interest.

However, you won’t be able to buy or book anything else using AfterPay if you miss a payment, till you settle your account. There’s also a capped late fee starting at $10, but won’t go higher than 25% of the purchase price or $68, so that you can stick to your plan.

AfterPay assesses your short installment plan repayment ability before each transaction. Responsible shoppers who have been members for a long time have quicker chances of approval.

This is why it’s important you remember these points before using AfterPay:

  • Ensure there are sufficient funds in your account; typically at least 25% of the purchase amount.
  • The length of time you’ve been a member, since new customers are limited to make only small purchases in the first 6 weeks.
  • The amount you have to pay in installments, and if you have other previous outstanding purchases. The chances of your purchase approval are higher if the repayment amount is smaller.
  • There is no interest to pay. AfterPay charges you late fees only if you miss payments.

Easy Sign-Up Process

Unlike other sites, there’s no need to register before your first purchase. Only when you buy something or use the services of an AfterPay partner retailer or service provider that you have to choose AfterPay as your chosen payment option at checkout.

You then have to provide your payment details if it’s the first time you are using AfterPay. Your account is created once your first order is approved. You then have to visit www.afterpay.com to set up a password.

The next time you buy using AfterPay, you just have to securely login while checking out. Downloading their app makes the entire process even easier for you.


There are a few requirements for signing up with AfterPay to ensure a community of responsible spenders who stick to their short instalment plans.

  • Be living in Australia
  • Be at least 18 years of age
  • Be able to enter a legally binding contract
  • Have a valid ID, email address and phone number that can be verified
  • Pay using an Australian bank payment card

Your First Payment

Responsible spenders who have been with AfterPay for a while can expect their first payment to be withdrawn 2 weeks from the day of buying their items. AfterPay generally requires that you pay 25% of the installment at the time of purchase.

Other situations where you may have to pay the first 25% at the time of purchase are:

  • If it’s the first time you are using AfterPay
  • Purchases costing more than $500
  • Shopping in physical store
  • Orders placed in the first 6 weeks after signing up with AfterPay
  • Jetstar bookings

Where Can AfterPay Be Used?

There are thousands of retailers and service providers around the world who offer AfterPay. Click here to check out available retailers: AfterPay Retailers

How Much Does It Cost?

It’s free for customers as it’s the retailers and service providers who pay them to help you plan, buy and pay for your purchases.

Safety & Security

AfterPay is very particular about protecting your data. They have the highest level of payment data security in the world, Data Security Standard Level 1, applicable to all major worldwide payment companies.

Security is important to AfterPay because their business depends on their community trusting them to help them plan, buy and pay. It’s this trust that has helped them get their millions of global customers, who trust AfterPay to help them safely plan and budget.

Easy, Debt-Free Purchasing

Unlike other purchases, AfterPay is not another form of debt since they don’t charge interest to make money from you. It’s the retailers and service providers who pay them to help a customer make purchases and plan repayments.

AfterPay only charges you late payment fees. This is actually bad for them because they have to spend more to recover the amount. Members who miss payments also cannot buy anything through AfterPay till their account is settled.

This is unlike credit card companies who don’t prevent you from buying and spending more money, where you can eventually end up in debt because of missing payments.


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