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Why use Afterpay?

Deciding what to buy is hard, but paying for it doesn't have to be. Afterpay lets you receive the item now and spread the payments over 4 interest free installments over 6 weeks.

How Afterpay works

Get the Afterpay app - Sign up quickly & easily. No long forms (yay!) and you'll know instantly if you're approved.
Shopping online? Choose Afterpay as your payment method at checkout.
Shopping in-store? Set up the Afterpay Card in the app, add to your digial wallet, and tap to pay with Apple Pay or Google Pay
Make the first of 4 payments now - Pay it off over 6 weeks. Never pay interest.

Popular with Afterpay

Download Afterpay App
Frequently Asked Questions

Visit the Afterpay Support Page to view the entire FAQ or to contact Afterpay customer service directly. 

When paying with Afterpay, there will be a 1% PB Tech payment surcharge added to total, both online and in-store at PB Tech.

Afterpay itself adds no establishment fees and charges no interest. As long as you make your payments on time there will also be no Afterpay late fees

Read more about Afterpay late payment fees.

Afterpay Card is a contactless digital card stored in your digital wallet on your phone. You add the Afterpay Card to your digital wallet via a one-time setup prompted in their Afterpay app.

You can initiate the transaction via the Afterpay app or launch the card directly from your digital wallet. You just need to tap your Afterpay Card on your card terminal to pay and finalise the transaction.

To use Afterpay, the customer must:

  • be living in Australia or New Zealand,
  • be at least 18 years old,
  • have a valid email address, phone number & ID,
  • have a debit or credit card issued in Australia or New Zealand; and
  • be capable of entering into a legally binding contract.

For more information on Afterpay and how to use Afterpay in-store visit

We will take the first payment at the time of order. This is usually 25% of the total purchase price. 

Then your scheduled payments will be 25% every 2 weeks, so after 6 weeks you'll be fully caught up! At any time, you can log in to your Afterpay account to see your payment schedule and make a payment before the due date. Otherwise, we'll direct debit payments on the due dates, as outlined on your payment schedule.

You can log in to your Afterpay account, or check the app at any time to see when your next payment is due. 

Yes, usually you can change the due date of a payment yourself via our mobile app or on

See Afterpay help for a step-by-step guide - Can I change the due date of a payment?

You can change the debit or credit card that is linked to an active order in the Afterpay app or logging into the website on

See Afterpay help for a step-by-step guide - How do I change a card that is linked to an active order?

Afterpay may conduct a soft credit check for new customers when they first sign-up to use the platform.  This soft credit check will not impact a customer’s credit score.

Soft credit checks (also known as soft pulls or soft inquiries) are very common and will not affect credit scores, will not be visible to other lenders or creditors and may or may not be recorded in credit reports, depending on the credit bureau.  

For more information see the article Does Afterpay conduct credit checks? on

There are a few different reasons as to why your order could be declined.

  • You are a new customer of Afterpay: If you have had your account for less than 6 weeks, we may limit you to a smaller number of purchases. Our restrictions are tighter when you first get started. This is to ensure that we are upholding our commitment to responsible spending.
  • You accidentally missed a payment: Afterpay is passionate about ensuring that our customers use our service responsibly. If you have had recent late payments, this can impact your ability to shop with us.
  • Check your card: Your card is super important! There are a few things that you can double check if your order is being declined. See if it has expired or has enough funds. 

You’ll receive text and email reminders before every payment is due. You’ll also receive alerts for missed payments, so it’s totally clear what’s coming out of your account and when.

Terms & Conditions

Please note:

  1. PB Tech Finance Surcharge applies. PB Tech charges a 1% surcharge for Afterpay transactions. The amount of this surcharge is detailed during the checkout process.
  2. Exclusions apply. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.
  3. Afterpay account limit in New Zealand for a consumer is a maximum of $3,000.
  4. Afterpay full Terms and Conditions can be found on Afterpay website