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I want to shop - how do I sign up to Afterpay?

The good news is – you don’t need to register before your first Afterpay purchase!

When you make a purchase with any one of our partner retailers and service providers, simply choose Afterpay as your chosen payment method at the checkout. If you’re a first-time user then provide your payment details as usual to complete your purchase. Once this first order is approved, your Afterpay account is created. Yay!

All you need to do now is visit and set up your password. The next time you purchase with Afterpay, just log in securely when you checkout.

Or you can download the Afterpay App to make the whole process even easier!


How does Afterpay work?

We offer simple instalment plans for online shoppers, allowing a purchase to be paid for in four equal instalments, due 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 shoppers provide payment details as usual, returning shoppers simply log in to make their purchase. It’s that easy!
After you check out, the goods will be shipped to you by the merchant. 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 we will automatically take the money from your debit or credit card every 2 weeks.

Please Note:

Afterpay does not approve 100% of orders. We are committed to ensuring we support responsible spending.
When determining which orders to approve, we consider a number of different factors. As an example, the longer you have been a shopper with 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 we look to see 25% of the order value available to spend)
- length of time you have been using Afterpay (tighter in the first 6 weeks)
- amount you have to repay, it may help to pay some off (not a guarantee)
- the value of the order you are trying to place, it may help to reduce the value of your shopping cart (not a guarantee)
- adding a credit card may increase your spending power (not a guarantee)
- the number of orders you currently have 'open' with us (not a guarantee)

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


When will my first payment be taken?

Customers in New Zealand will be asked to make the first payment at the time you create an order.  This will be 25% of the total order value. This will be clearly communicated to you prior to you confirming your order. 


Is there a cost for using Afterpay?

Afterpay does not charge a fee to shoppers when purchasing. The only fees applied to a shoppers account 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. 

If you have not made the payment before the due date, and the automatic payment fails, you have until 11pm the following day to make payment. After 11pm the following day, if that payment has not been made, you will incur a late payment fee of $10 and a further late fee of $7 if the payment is not made within 7 days (as stated in the Afterpay Terms). 


Can I make an early payment?

Yes! The PAY NOW button in your account lets you make a payment any time before an instalment is due, but your remaining instalments dates will stay the same - unless you choose to pay these early too!

If you would like to bring your instalment dates forward, you can submit your request here but it has to be more than 24 hours before an instalment is due.


What if I want to return my purchase?

At Afterpay we love helping you plan, book, buy and pay for goods and services you need, without losing control of your money.

But the delivery, quality and return of any goods and services you buy is always the responsibility of the retailers and the service providers you buy from. And the amount and type of return you can make on a product will always be determined by the returns policy of the individual retailer you bought the item from. You should be able to find out your options by checking their returns policy on their website or contacting them directly.

Once a refund has been processed by the retailer it will automatically come through to us and once we process it, show up in your payment plan.

For more information click here.


Who can use Afterpay?

Afterpay is available to people who: 

- Live in New Zealand;
- Are at least 18 years old;
- Are capable of entering into a legally binding contract;
- Have a valid and verifiable email address and mobile number; and
- Use a New Zealand credit or debit card to make the purchase.