About Afterpay

1. Live in Australia or New Zealand

2. Be over 18 years of age

3. Have an Australian/New Zealand debit or credit card

4. Have a valid and verifiable email address and mobile number

5. Have a valid and verifiable email address and mobile number

6. Be capable of entering into a legally binding contract

7. Credit checks apply

For full terms and conditions visitwww.afterpay.com/terms.

Afterpay caps late fees to help keep costs manageable for customers who miss a payment. Late fees will never exceed 25% of the order total or $68 per order, whichever is lower.

>> How this works:

- For orders under $40: A one-time late fee of up to 25% of the order total applies

- For orders of $40 or more: A $10 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 late fee applies . This is the same for all late payments until the 25% cap or $68 amount is reached. To remain within the cap, we may charge partial amounts of the $10 and $7 fees.

- You can check your General Terms for other late fees caps that may apply.

- Afterpay is committed to doing everything they can to help you not miss a payment, including sending you payment reminders and offering options to reschedule upcoming payment dates.

- Afterpay is designed to be completely different to traditional credit products that charge interest, so that customers are never in a situation of high compounding interest and revolving debt.

Afterpay can be used online and in stores, depending on the retailer or service. To shop in-store, you’ll need to download the Afterpay app and set up the Afterpay Card. You can add it to your digital wallet via the ‘In-store tab’ in the app. Then when you’re shopping in-store, just tap to pay with Apple Pay, Google Pay or Samsung Pay. To shop online, select Afterpay as your payment method at the checkout. You’ll be redirected to Afterpay to login or create your account.