Choosing your preferred card
When you add a new card to your account and set it as the preferred card, it is used as the preferred card for new orders only. Any existing orders will continue to be paid from the card that you used at the time you shopped with us UNLESS you go into the order to change it.
Your old card will still be the preferred card for any orders placed with it, unless you login via our web portal at www.afterpay.com and select the new card as the preferred card on any active orders you currently have.
Changing / updating a card so that payments for an existing order are paid from a new card
When an order is approved, by default, all payment will be taken out of the same card (the card that was selected at the time of the order being placed)
You can choose to change the card that will be used for future payments by:
* Open order in Consumer Portal or Mobile App
* Click Change Card
* Select an existing card from the list or add a new one (note: standard criteria for adding a card applies)
This will update the card for ALL future payments for that order.
Note: You will not have this option on the first order you place, only subsequent ones. The first order has to be paid off in FULL before you can modify cards on any subsequent orders.
Should you wish to use a card for a 'one off payment' only without changing the ‘Preferred Card’ on your order - you can do so using the 'Pay Now’ option. When you choose the Pay Now option you will have to untick the box that says "Store card for future use" as you will not be able to store the card on the account.
If a payment for an order fails, we will try other cards on your account, if you do not want the old card charged at all we do recommend removing it as soon as possible.
To add or remove a card from your account:
Log in to your account via www.afterpay.com
Choose - My Account
Click on - Billing (Icon is a credit card)
Click – Add Payment Method OR Remove Card (Please note that you won't be able to remove the preferred card on your account or a card that has associated orders) so if you are trying to remove your current 'preferred card' change this first as well as updating your orders then you will be able to remove the card.
Good to know
When adding a new card to your account, Afterpay will verify it by issuing a temporary small authorization hold of $3 or less. Authorization holds are small amounts of money that are never actually charged to your account and should be voided from your payment method within a few business days.
What happens if I can't make a payment?
Afterpay is committed to making sure you stick to your repayment plan.
That’s why we consider every purchase application before we approve that purchase. And that’s why we are always sending you reminders when a payment is almost due.
If you are facing hardship, we have hardship policy that allows us to work with you to get you back on track.
As soon as you miss a payment, we will immediately stop you from making any further purchases with Afterpay. This is because of our commitment to the high standards we set ourselves for responsible spending.
A late fee is charged when an installment for an order is not paid after the applicable grace period (usually 10 days unless otherwise noted on your payment schedule). We will only ever charge one late fee per installment and the total amount of late fees charged on an order will never exceed 25% of your initial order value.