To shop with Afterpay:

1. Choose a store in the Shop Directory.

2. Select Afterpay as your payment method at checkout.

3. Create an Afterpay account and receive an approval decision if you’re a first-time customer.

4. Log in to your Afterpay account if you’re a returning customer.

For an online order, the retailer ships your purchase after checkout.

To shop in-store:

1. Download the Afterpay app.

2. Follow the in-app instructions.

3. Complete the eligibility checks for the Afterpay Card.

4. Set up the Afterpay Card if you’re eligible.

5. Add the Afterpay Card to Apple Pay or Google Pay.

6. Make a contactless payment at checkout.

Manage your payments

You can log in to your Afterpay account to view your payment schedule or pay before a due date. Otherwise, we’ll process each payment on the date shown in your payment schedule.

For Pay in 4 orders, Afterpay may combine installments into one transaction when they’re due on the same date and use the same eligible payment method. This may include multiple bundled payments processed on the same day. Afterpay determines whether to bundle eligible installments. Pay Monthly orders aren’t included.

Your payment confirmation email will include a breakdown of the installments paid.

Order approvals

Note: Afterpay does not approve every order. To support responsible spending, we consider factors such as:

• Whether your card has enough funds for the first installment

• How long you’ve used Afterpay

• Your payment history

• The amount you currently owe

• The value of the order

• The number of open orders you have

Your order approval and available amount may change based on these factors.