You pay your Pay Monthly order in fixed monthly instalments. Here’s how your payment schedule works, when payments are due, and how to make early or manual payments.

Your payment schedule

You can find your payment schedule in:

• The Afterpay order confirmation email (sent when your order activates)

• The Afterpay app: go to My Afterpay and select your Pay Monthly order

• The Afterpay web portal: sign in and select your Pay Monthly order

When your first scheduled payment is due

Your first scheduled payment is due one month after your order activates (that is, when your item ships or is ready for collection in store). For pending orders (items that haven’t shipped yet), this means your first payment date is linked to when your order activates — not the date you placed the order.

If your order activates on a date that doesn’t exist in the following month (for example, the 31st), your first payment falls on the last day of that month.

What your payment schedule shows

• Order details: the items and the retailer

• Order date

• Total pay later: the total cost including interest, as disclosed at checkout

• Number of payments: how many monthly instalments make up your order

• Each scheduled payment: the due date and amount

• Payment method: the linked debit card we’ll charge

• Payment status: whether each payment is upcoming, paid, or overdue

All dates are shown in Australian Eastern Standard Time (AEST). The payment schedule we email to you may show a summary of amounts and payments rather than listing each individual instalment.

Autopay is mandatory

You can’t turn autopay off for Pay Monthly. We’ll attempt to charge your linked debit card on each payment due date.

Pay Monthly accepts debit cards only. Credit cards aren’t accepted, including credit cards added via Apple Pay, Google Pay, or Samsung Pay.

Making a manual or early payment

You can make a payment any time in the My Afterpay tab (in the app or web portal). You don’t need to wait for the next scheduled date. Paying early can reduce the total interest you pay, because interest accrues daily on the principal you still owe.

Down payments and your schedule

If a down payment is required at checkout, it will be charged to your linked debit card at the time of the order. Your payment schedule reflects only the financed portion, that is, the amount remaining after the down payment is made.

Afterpay Australia Pty Ltd ABN 15 169 342 947, Australian Credit Licence 527911