AfterPay is revolutionizing online shopping in a big way. The way we shop for everything from clothing and accessories to home goods and even food has quickly migrated from in-store to online, throughout tons of companies and countries. As improvements to technology and production and shipping methods are made, alternatives to traditional shopping are emerging all the time. Now, even the way that we pay for those items is changing. Afterpay is the Australian born company that introduces a more realistic, affordable way to pay for everything in your shopping cart.
What is Afterpay? We’ve outlined the concept behind Afterpay, the history of its creation and how to use it (spoiler, it is really simple). Plus, we’ve compiled all of the retailers who have (currently) integrated Afterpay to their payment methods.
Afterpay will change the way you shop and handle your finances, both as a consumer and as a shop!
The Afterpay Story
Afterpay was founded in Sydney, Australia with the goal of becoming one of the most ambitious and technologically advanced platforms, helping both businesses and consumers manage their finances more effectively.
The makers of Afterpay understand the temptation to buy without the immediate cash to make it realistic. There had to be a solution other than giving up on the items you want or trying back at a later time, only to realize what you want is sold out or marked as much higher.
And so Afterpay was born. The concept was simple; a flexible and more affordable way to make online or in-store purchases, through an easy-to-implement and even easier to use platform.
The first iteration of the product launched in 2015, containing simple, interest-free installment plans that are available either online, via mobile devices or in stores. This allows the shopper to make purchases that they may not be able to afford in a single, upfront payment.
Similarly, businesses benefit from more business. A win-win concept for businesses and all of their customers.
How Does It Work? Shopping With Afterpay Retailers
Afterpay creators wanted to make the concept as easy to implement into a business’ purchasing model and into a consumer’s payment method as possible. That means easy on Afterpay retailers and shoppers.
Here’s how it works:
- Find stores that have integrated Afterpay into their online checkout process. If you’re not sure about a store’s Afterpay usage, read below, look for the option at the time of checkout or view all of the Afterpay stores (currently) integrated here. Check back often as heaps of stores are added all the time!
- Once you find a relevant store that allows Afterpay payment options, all you need to do is choose Afterpay as your payment option at the time of checkout.
- Next, create an account, if you haven’t already. Quickly and easily add your existing debit and credit card information, some basic personal information and your bank details to create your Afterpay account.
- Once your account is made, Afterpay will automatically split your shopping cart into four equal installments that are due biweekly and charged to the card that you nominate to be charged.
And that’s it! It’s that easy! You will be charged biweekly and in 4, equal installments and eliminate the burden of paying one large upfront fee for the items you wish to purchase.
What’s The Catch?
Sounds too good to be true?
It really isn’t!
With Afterpay, you get instant approval without any long wait times for your account to be activated. With simply your mobile phone number, a few personal details and your banking information, you will be instantly approved to use Afterpay.
Afterpay payment plans have zero interest, provided you pay on time. This means you should always make sure that you have sufficient funds at the time that payments are scheduled to be charged to your card, ensuring zero interest payments.
More fine print details (for shoppers)
- You must be eighteen years or older to create an Afterpay account.
- You will be charged twenty-five percent of the order value up front, at the time of your purchase, once you enter into your Afterpay payment installment plan.
- At least for now, only Australia residents can have access to an Afterpay payment plan; this includes having an Australian issued debit or credit card.
- You do not need to register your account prior to making your first Afterpay purchase; at the time of purchase, you will be taken through the process of registering your account.
- Afterpay does not accept 100% of orders – due to the commitment to ensuring responsible spending, Afterpay reserves the right to deny payment requests due to several factors including: sufficient funds on your card, how long you have been an Afterpay user, the value of the order you are placing and the number of payment plans you currently have open with Afterpay.
- You will be shipped your products from the merchant, NOT Afterpay. This means that, more often than not, you will receive your items before your payment plan is completed. Once you receive your items, you will have the option to log into your Afterpay account and pay the remainder of your bill upfront. If you choose not to, your remaining payments will be billed to you, as scheduled, every fortnight.
- The only fees you can expect to pay is if you fail to pay a scheduled payment on-time. Otherwise, Afterpay is free to for users. The initial late payment is $10 AUD, and, if still not paid within 7 days of the originally scheduled payment date, another $7 AUD is charged.
Afterpay is also great for merchants, offering customers a more flexible way to afford quality goods while the merchant still gets paid in full. This offers an appealing option for merchants, given there is no cost to them but they can still sell more and have no risk.
The benefits for merchants to integrate Afterpay:
- New Customers: Afterpay converts customers that otherwise would abandon their carts and not make a purchase due to lack of funds for new, paying customers.
- Increase Basket Size: Customers are known to add more items when they know that the entirety of the cart does not have to be paid upfront. Afterpay shoppers spend more per transaction and more over their lifetime, coming back more often, then shoppers who do not use Afterpay.
- Guaranteed Up-Front Payment: Afterpay settles with payments upfront with merchants, automatically. This means that Afterpay eliminates any complicated processes or long waits to be paid.
- Zero Credit Or Fraud Risk: Zero fraud or credit risk for a merchant means Afterpay assumes 100% risk for every single transaction. There is no risk to the merchant.
Which Afterpay Stores (Currently) Make Up The Afterpay Community?
To see a full list of Afterpay stores, check the Afterpay Store Directory.
Some of the most popular Afterpay stores include:
– Misha Collection
– Uncle Jack
– Princess Polly
– Frankie & Co
– New Balance
– Sunglass Hut
– Big W
Here is a more detailed breakdown of all of the shops with Afterpay.
Everyone’s Favourite, Women’s Fashion
Women’s fashions brands are one of the most popular categories of Afterpay’s users. Ranging from high-fashion brands to popular swimwear brands, there are plenty of women’s fashion items available for use with an Afterpay purchase plan. Shop Afterpay dresses and more with these high-end brands.
Shop intimates with intimates brands such as Bendon Lingerie, Bras and Things, Etheria and Eco Intimates. Other brands not solely selling intimates include Peter Alexander, White Fox, and Bonds, offering both clothing and intimate items for women.
For swimwear, brands like Rip Curl, Charlie Mae, Hara, and Tigerlily have integrated Afterpay. Even popular sites like La Mode, which carries brands like Aqua Blu, Gypsea and Stevie May, have the option for Afterpay.
Have access to Afterpay payment methods with such amazing activewear brands as 69 Slam, FitPro and Lorna Jane and many more.
There are also brands for maternity, bridal wear, and shoes that have integrated Afterpay as well.
Finally, shop tons of women’s clothing brands through the Afterpay merchant directory. Freely add to your cart without stressing about the final cost.
– The Iconic
– Hello Molly
– French Connection
– Esmeralda Thomson
– Scotch & Soda
Beauty Brands With Afterpay
Another popular category amoungst Afterpay customers is ‘beauty’. Beauty products are expensive; surprisingly so! Given that just a small bottle of foundation or a simple eyeshadow pallet can wrack up more than $50 AUD, it makes sense that shoppers carts can get expensive fast and that Afterpay is a great alternative to paying upfront.
Sephora, Estee Lauder, Clinique, Bobby Brown, David Jones are all possible makeup brands that allow Afterpay to be used at checkout.
But beauty is not just makeup. Body brands that offer lotions, body scrubs, lotions and hair product providers make up a large number of Afterpay brands. Shop La Mer, Flora & Fauna, Frank Body and so many more.
There are even high-end beauty brands like Jo Malone and Hi Smile, companies that don’t necessarily fit in other beauty brand categories but are just as popular with Afterpay users.
High-quality skin, hair and makeup products do not come cheap but that doesn’t mean you should suffer and cut costs. Use Afterpay when you check out a cart of your favourite beauty brands.
Afterpay Shoes To Complete The Look
What’s a great outfit without the perfect shoes?
Afterpay knows that shoes can often break the bank. Durable, great looking and high-quality shoes do not come cheap. That’s where Afterpay shoes come in, helping you achieve the top-to-bottom look you’re after, without a price tag you can’t afford.
Set up a payment plan through Afterpay for your favourite shoes, for men and women.
Favourite women’s shoe brands include Wittner, Tony Blanco, Senso, Rubi and Nine West (plus many more of the best shoe brands for both leisure, nightlife, and athletics).
There are dozens of men’s shoe brands available through purchase with Afterpay.
Afterpay is integrated in the following popular men’s shoe brands:
– DC Shoes
– Windsor Smith
– Julius Marlow
– R.M. Williams
And many more both fashion and active shoe wear.
Only The Best Electronics From Afterpay Shops
Afterpay shops don’t exclusively apply to fashion brands. After all, electronics are some of the most expensive products out there.
Afterpay products are certainly not limited to Afterpay clothing. Electronic retailers that qualify for Afterpay usage include David Jones, Premium Sound, dc Cameras and Optics, Globe Electronics and even Bissell.
Get the kitchen, technology and house wear electronics you love without the up-front cost that will ruin your bank account or credit.
The Latest Home Décor Trends For Less
The most beautiful homes are decorated with the latest trends in décor but that doesn’t come cheap. Don’t waste one minute in your home waiting to decorate it to your liking. Start furnishing and decorating now, using Afterpay to get all of the top brands you want in your home for less.
Shop home goods brands such as:
– Temple & Webster
– Big W
– Bed Bath N’ Table
– Pillow Talk
– Mareq Housewares
– Beacon Lighting
When you buy a new property, the last thing you want to have to do is wait to furnish it and make it comfortable, make it yours. The best solution to this is a payment plan through Afterpay that lets you furnish and decorate your home now and pay later.
Sit back and enjoy your space surrounded by everything that makes you feel at home, the fast, easy and affordable way.
Pets Products – No Home Is Complete Without Them
Many Australian’s believe that no home is complete without a pet to make that space even more fun to come home to. Whether it be a dog, a cat or another pet, they bring joy to a home a way that no furniture or decoration ever can.
But any pet also carries the burden of being expensive to care for. Don’t let your pet go hungry or suffer inadequate care because you can’t afford the proper supplies!
Shop the pet care companies that have integrated Afterpay and set up a payment plan to afford the supplies you need. Shop Aussie Dog Products, Lucky Pet, House House, For All Our Pets and many more.
Even horses qualify as ideal Afterpay candidates, with Nags to Riches Equestrian supplies and Caribu House Wear offered through the payment method.
Organic Pet Pharmacy provides high-quality pet products without harmful chemicals and Barker & Bone allows you to buy amazing pieces for your pet, at a flexible cost.
Your pet deserves care just as good as you give yourself; don’t skimp on quality because of the cost! Pay over 4 equal payments so your pet gets only the best.
Kids & Babies
Your children also deserve the best! Just because they’re not old enough to understand the quality of products, doesn’t mean you should skimp on quality to save costs! Afterpay lets you afford to spoil your children, at any age, with a payment plan that helps you afford brands such as: Adairs Kids, Smiggle, and Bonds.
Shop Baby & Toddler Town and Baby Bunting for brand new additions to the family or shop The Healthy Mummy to help you bounce back from a pregnancy fast.
High costs should not mean you buy your kids less than the best.
Travel, Food & Beverage And Everything Else
Think Afterpay is only for fashion and beauty brands? Not true!
You can also use Afterpay for luxury health food brands such as Clean Treats, T2 teas, Your Tea, Robins Kitchen and much more. Fitness brands like Unique Muscle, Chai Protein, Maccamino and Mr. Supplement help you achieve fitness goals without breaking the bank.
You can even sign up for wine programs, coffee suppliers, and gift boxes to be funded through Afterpay payment programs.
Travel retail stores like MacPac, Moutain Designs, The North Face and Luggage Shop help you be prepared for your vacation in a flexible, affordable way!
If you’re not traveling but still want to adventure, products from outdoor retailer stores help you feel like you’re on a faraway vacation even if you’re only away for the weekend.
You shouldn’t have to hold back on every adventure because of expensive upfront costs; Afterpay let’s you escape at a cost you can afford.
There are plenty of brands not listed here that haven’t been covered. No matter what kind of fashion items, travel supplies or food & beverage luxuries you are shopping for, there is a brand out there that fully integrates Afterpay and offers a more flexible way to pay for everything you want or need.
What Users Have Said
Shop Afterpay clothing websites, home goods, and even electronics without struggling with up-front costs following your browsing. Users have only positive things to say:
”Love Afterpay. All I needed was my email account, credit card number, and ID. Signing up was easy. Now that I’ve been using their services for over 6 months I don’t have anything bad to say other than more shops need to jump on board. I’ve bought so many things that I normally wouldn’t buy because I hate seeing my account go down due to big-ticket luxury items. Now I can buy them and only scratch my bank balance. I love how there isn’t any interest and that I get the products within 10-20mins from the time I order. The only time I’ve had to wait longer is when the product isn’t in-store.” – 5 stars from John, productreview.com.au
”Love the convenience and ease, it gives great access to the luxuries I would normally be without. Support have been second to none when I have needed to contact them. I applaud this service.” – 5 stars from Sammi, productreview.com.au
”Afterpay is awesome allows me to buy things I probably couldn’t buy normally. Staff at help centre was excellent. Very understanding when I had issues with my card. Highly recommend Afterpay to everyone” – 5 stars from Shannon, productreview.com.au
”Purchased vehicle that desperately needed an oil change, Supercheap Auto made my day, I find Afterpay an awesome solution and the array of shops who use Afterpay is quite good.“ – 5 stars from Liss, productreview.com.au
”Super easy to use, no credit check. Making buying easy when usually saving for purchases a hassle. Affordable fortnightly repayments, with quick account set up. Highly recommend Afterpay for items I usually wouldn’t afford.” – 5 stars from Lauren, productreview.com.au
Users love the flexibility that the Afterpay payment method affords. Afterpay clothing stores, pet supplies, home products, electronics and even food and beverages can be shopped more flexible.
Afterpay Will Change The Way You Shop!
Afterpay is the easiest and most affordable way to shop for luxury and daily items for you and your family. Sign up for Afterpay quickly with just your personal details and bank information; get your products shipped before you’ve even signed up or made your first payment.
As many reviewers have noted, the beauty of Afterpay means you can afford items that you otherwise may not have the upfront money for. Shop for leisure items such as clothing, shoes and wine or shop for the necessities for your home such as electronics, pet supplies, and baby products, with ease.
Shop normally and get the benefits of a payment plan, all without an additional cost to you. Yes, that means even no interest! Enjoy interest-FREE payments for all of the goods you would have bought normally, at a more flexible and affordable price.
You won’t find an easier way to afford the products you want when you want them.
Not that you’ve answered the question “what is Afterpay?”, begin browsing all of the Afterpay stores, sign up for Afterpay and begin shopping, the modern way, today.