The Afterpay Card is a digital card that is added to your Apple Pay or Google Pay wallet.

New to Apple Pay or Google Pay? Visit the Apple Pay FAQ or Google Pay FAQ for more details!

To use the Afterpay Card you will need an eligible device:

Have an Apple Device?

• To confirm that yours is Apple Pay eligible click here.
• For general Apple Pay Support click here.

Have an Android Device?

Device makes and models vary across manufacturers, you’ll want to confirm here that you have the Google Wallet functionality in order to purchase in stores using Afterpay.

To add the card to your digital wallet follow these steps:

• Open the Afterpay app
• Tap on ‘In-Store’
• Tap on ‘pay in store’
• Tap on ‘setup the card’
• Tap on ‘add to wallet’
• A SMS verification code is sent, enter the code
• Tap on next

That’s it! You’re ready to shop.

When you’re ready to pay, use your Apple Pay or Google Pay wallet and select the Afterpay Card to tap and pay!

Being asked for a PIN?

To set up a PIN for your Afterpay Card:

• Click the In-Store tab at the bottom of the app
• Click the ‘How it works’ button on top right hand corner
• Click how to set or update your pin
• Click on ‘Set or update your PIN

How much can I spend?

If you’re an existing Afterpay shopper

Your outstanding payments may affect your ability to make another purchase

The number of purchases you currently have ‘open’ with us could affect your ability to make another purchase

Previous late payments—even those made before a late fee is charged—will reduce your spending limits on future purchases, both in store and online.

If you’re a new Afterpay shopper

We start new shoppers with a lower spending limit that typically increases over time with more purchases and good payment history.

You can learn more here

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.

We do everything we can for you to avoid late fees, including sending reminders leading up to the payment due date. We will charge a capped late fee of 25% for total orders below $40 & for each order of $40 or above, an initial $10 partial late fee will apply, and a further partial late fee (of up to $7) will also apply if the payment remains unpaid seven days after the due date. This approach will continue for all late instalments until the 25% cap is reached or the maximum late fee limit of $68.

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

Received a notification at the checkout that there’s $0 due on the purchase date? Congratulations, this means that you have access to our No Payment Upfront feature! Your first payment will be delayed by up to 2 weeks from the purchase date. However, we still recommend having at least 25% of the purchase price available on your linked debit or credit card in case we run a pre-authorisation.

Please note: If you’re eligible for the No Payment Upfront feature and have a preferred payment day set up for your account, your first instalment will be due a minimum of 8 days and a maximum of 14 days from the purchase date to align with your preferred payment day.

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 usually show you how the instalments are split before you pay and your payment schedule for every order is shown in the Afterpay app.

If you have any questions please contact us here.