Installment Payment Authorization - USA

You authorize us (Afterpay) to charge your Payment Method for the down payment on the date your Final Payment Schedule is provided to you (this may be immediately at the time of purchase).

The amount of the down payment will be based on your final purchase amount confirmed by the merchant, as described in the Installment Agreement.

You also authorize us to charge your Payment Method in the amounts and on the payment dates in your Remaining Payment Schedule (as identified and provided to you in your Installment Agreement, as it may be superseded by the Final Payment Schedule delivered to you as a supplement to the Installment Agreement), to collect any recurring amounts due, and to correct any erroneous transactions. If we are unable to collect any payment because your Payment Method fails or you have any amounts due under this Agreement for any other reason, you authorize us to charge your Payment Method (or any other debit or credit card you provide to Afterpay) for any amounts due, at any time prior to or within 28 days after the Maturity Date identified on your last Remaining Payment Schedule. You understand and agree that this may result in multiple charges to any credit or debit card you provide to Afterpay to collect the amounts due under this Agreement.

You also authorize us to debit or credit your Payment Method as we deem necessary to correct any erroneous transactions.

You also authorize us to elect to combine multiple payments owed on your Afterpay account into a single payment if those payments are due on the same day. If you have insufficient funds for the combined single payment, Afterpay may collect those payments separately.

You are responsible for all fees charged by your financial institution associated with the payments. You must update your Afterpay account with all changes to your debit/credit card information. If you do not update this information and we are unable to charge your Payment Method for an amount due, you may be subject to late fees and you may be charged fees by your financial institution.

By accepting this agreement, you authorize Afterpay to charge the Payment Method you selected at checkout or in the customer portal. You are responsible for ensuring that you have sufficient funds available to make Installment Payments on the dates specified in your Final Payment Schedule.

Electronic Fund Transfers

If your select payment method is covered under the rules for electronic fund transfers the following terms also apply.

If you select a bank account as your payment method and we are unable to collect any payment because your payment method is declined, we will not reattempt to collect the payment from your bank account. Please note that your financial or banking institution may charge you a fee for a returned or unsuccessful payment. We will not be held responsible for any fees assessed by your financial or banking institution for returned or unsuccessful payment agreement payments.

You may revoke this authorization at any time by contacting our Customer Service center at Any notice of revocation must be received at least three (3) business days prior to the next scheduled payment due date to avoid the next scheduled payment from being automatically debited from your account. If you revoke this authorization, you understand that you will be responsible for making your payments by another payment method.

You have the right to receive advance notice if any payment we seek will vary from the amount authorized above or from the prior payment in this authorization. We will notify you of such changes via email at least ten (10) business days before the varying payment is due.

Last updated December 2023