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We’re a compliant member.

AFIA Finance Industry Code of Practice Australia

AFIA Code Compliant

We’re a compliant member.

AFIA Finance Industry Code of Practice Australia


Afterpay is a voluntary member of the Australian Finance Industry Association Limited ('AFIA'), the voice of Australia's diverse finance industry.


Afterpay was a voluntary signatory to the AFIA Buy Now Pay Later (BNPL) Code, the industry's self-regulatory code covering responsible lending, hardship support and complaints handling for Buy Now Pay Later providers. From 1 October 2026, AFIA has moved the BNPL Code into its broader Finance Industry Code of Practice (AFIA FI Code), and Afterpay has been approved as a Code Member to the AFIA FI Code. You can find a copy of the AFIA Finance Industry Code of Practice on AFIA's website here.

AFIA Code Compliant

Afterpay is a voluntary member of the Australian Finance Industry Association Limited ('AFIA'), the voice of Australia's diverse finance industry.


Afterpay was a voluntary signatory to the AFIA Buy Now Pay Later (BNPL) Code, the industry's self-regulatory code covering responsible lending, hardship support and complaints handling for Buy Now Pay Later providers. From 1 October 2026, AFIA has moved the BNPL Code into its broader Finance Industry Code of Practice (AFIA FI Code), and Afterpay has been approved as a Code Member to the AFIA FI Code. You can find a copy of the AFIA Finance Industry Code of Practice on AFIA's website here.

Complying with the AFIA FI Code.

The AFIA FI Code sets standards of practice and expected customer service outcomes for Australia's non-bank lending and specialist banking industry, and explains how Code members like us will meet our obligations to you. Some of the key things we commit to under the Code include:

  • Assessing whether a credit contract is not unsuitable for you, where your contract with us is regulated under the National Consumer Credit Protection Act 2009
  • Delivering high standards of service, including taking reasonable steps to make sure our products are reasonably fit for their intended purpose and are as described in our terms, disclosures, marketing and agreements with you
  • Working with you to identify ways we may be able to support you if you tell us you’re experiencing financial difficulties or other hardship
  • Treating you with sensitivity, respect, understanding and empathy if you tell us you may be experiencing vulnerability

The Code operates alongside Australian laws and regulations. It does not limit your rights under those laws.

Under the Code, we are subject to oversight by the AFIA Finance Industry Code Compliance Committee ('CCC'), the independent committee AFIA set up to monitor and investigate compliance with the Code.

If you have a complaint or dispute with us, including about a breach of the Code, please contact us first. If we can't resolve it, you can contact the Australian Financial Complaints Authority (AFCA). AFCA may not deal with your complaint unless you've tried to resolve it with us first.

If you believe we have acted in a way that is not consistent with the Code, you can report this to the CCC. The CCC does not deal with individual complaints or disputes between you and us. If it finds we have breached the Code, it can require us to take corrective measures.

For further information about our Complaints and Hardship approaches, please see the links below.


Complaints PolicyHardship Policy

Buy Now Pay Later regulations

On May 22 2023, the Australian Government announced an additional set of regulations for the Buy Now Pay Later (BNPL) sector, including Afterpay that came into effect on 10 June 2025.

The decision recognises something that we’ve known from the start - that BNPL has provided a better way to pay and shop for millions of Australians and helped thousands of Australian merchants grow their businesses.

The regulations recognise that BNPL products like Afterpay are distinctly different from traditional credit cards and need a dedicated regulatory framework to reflect this.

Afterpay has always supported fit-for-purpose regulation of the sector. This decision embeds effective consumer protections, generates positive outcomes for consumers and businesses, and provides certainty for industry.

For more information, see here.

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Late fees, eligibility criteria and T&Cs apply. Credit checks may apply. Afterpay Australia Pty Ltd Australian Credit Licence 527911.


Afterpay acknowledges the Australian Aboriginal and Torres Strait Islander peoples as the traditional custodians of the land, sea and waters where we live, meet and work. We pay our respects to their Elders past and present. Always was, always will be, Aboriginal Land.