AFTERPAY DENTAL PAYMENT PLANS

At Afterpay we are very particular about who we let into our community – because we want to make sure you spend responsibly and can stick to your short instalment plan.

This means we use our own specially developed technology to assess your ability to pay for the items you want. And we also have some hard rules around who is eligible to join.

These include:

• You must live in Australia
• You must be at least 18 years old
• You must have a valid and verifiable email address and mobile phone number
• You must use a valid Australia bank payment card to make a purchase
• You must be capable of entering into a legally binding contract

Afterpay uses a mandatory ID verification process to ensure your eligibility. Please note that passing this verification test alone does not guarantee that your purchase with Afterpay will be approved.

When you sign up with Afterpay, you book, buy or collect the item or service you want today and then pay for it in four equal instalments due every two weeks. This way, you get what you want without ever losing control of your money or providing personal bank details to anyone else.

In return for this service, retailers and service providers pay Afterpay so we can keep helping you plan, buy, and pay.

This means Afterpay makes its money from retailers and service providers – not from customers like you. That’s why we charge absolutely no interest, ever. 

If you miss a payment you won’t be able to buy or book anything else with Afterpay until you settle your account. And we charge you a capped late fee that starts at $10 but never goes higher than 25% of the purchase price or $68 (whichever is less), to help you stick to your plan.

Before each transaction, Afterpay assesses your ability to make repayments in your short instalment plan. The longer you have been a responsible shopper with Afterpay, the more likely we will be to approve your purchase. This helps us grow a community of responsible spenders that work with us every day to plan, buy and pay.

Before making a purchase with Afterpay, it’s important that you think about the following:

• Are there sufficient funds in your account? Generally we want to see at least 25% of the purchase price.
• How long have you been using Afterpay? We are more likely to limit you to small purchases in your first 6 weeks.
• How much do you have to repay on this purchase and do you have any previous outstanding purchases? The smaller the amount to repay, the more likely your purchase will be approved.

We are committed to ensuring our community supports responsible spending.

If you’re a responsible spender that’s been with us for a while now, and you’re buying online, your first payment will generally be 2 weeks from the day you bought your item.

To ensure responsible spending across our community, Afterpay may require your first 25% instalment at the time of purchase. We will make this decision case by case, based on your individual repayment history. We will immediately let you know if we require this first instalment, before you make your Afterpay purchase.

Afterpay is free! For you, that is.

Retailers and service providers pay us to help you plan, buy and pay for items you can take home today, without ever losing control of your money. That’s why we don’t charge any interest, ever. And that’s why we do everything we can for you to avoid late fees – because chasing them costs as much as we get back, and if you miss a payment, you can’t buy anything else with us until your account is settled.

If you miss a payment you won’t be able to buy or book anything else with Afterpay until you settle your account. And we charge you a capped late fee that starts at $10 but never goes higher than 25% of the purchase price or $68 (whichever is less), to help you stick to your plan.

At Afterpay we are building a community of responsible spenders who work with us to plan, buy and pay – without losing control of their money.

That’s why Afterpay is the right way to plan, buy and pay.

At Afterpay our number one priority is the protection of your data.

We are an Australian company that was founded here. We are listed on the Australian Stock Exchange and we are subject to Australian laws and regulations.

Within this framework we have achieved the highest level of payment data security in the world, set by the PCI Global Security Standards Council. This is known in the industry as Data Security Standard Level 1 and applies to all the major payment companies around the world. Achieving this standard includes accreditation to the highest level of:

• Secure Networks and Systems
• Data Protection
• Strong Access Control
• Regular Monitoring and Testing

Our entire business depends on our community trusting us to help them plan, buy and pay – including managing and protecting their data.

This is why at Afterpay, protecting your data is our number one priority.