Free to use - Zero Interest and No Establishment Fees
Seamless integration within stores with a large number of merchants offering AfterPay
Automatic payment plan of 4 equal instalments each fortnight
Credit check not required; doesn't affect your credit score
$10 Late Fee for missing an automatic payment
$7 Fee on top of $10 Late Fee if you fail to repay the missed instalment within 7 days of the due date
May affect your ability to secure a loan as lenders consider Afterpay a line of credit
Reviewer Photos & Videos
If you paid with Afterpay and don't get your goods or the service you bought, you're screwed.
EDIT: Luckily the business who hadn't replied (I have deleted their name now) finally refunded after "words". If they hadn't, I would still be out of pocket as Afterpay still claimed it is up to the business to issue refunds and they cannot do anything. They kept telling me to contact the business. Seeing other reviews with this issue, it's not an isolated event and something that is allegedly standard practice, which is why I'm leaving this review to warn others to be careful who you buy from. I've bought from dodgy places in the past and my b...ank has helped me the few times I never got a product or refund. PayPal has a dispute option also, though I luckily haven't had to use it yet. eBay also has a dispute function which is fantastic. Please consider doing something similar, Afterpay. People need to feel relaxed and safe when making purchases. Not worry about potential money loss. Original: Contacted Afterpay for the first time ever as a merchant I bought from didn't send my order and will not reply to my emails. I figured Afterpay would be able to get my money back for me like PayPal and banks do, but no, they don't care. Basically, you're gambling your money if you use Afterpay and if you have any issues it's too bad. I've used Afterpay for years with no issue so this is very surprising and upsetting. I guess because I used Afterpay I've lost my money. I thought Afterpay meant the business could be trusted but perhaps that's not true at all. Please everyone, be careful as if anything goes wrong and you used Afterpay, you've likely lost your money. Luckily this wasn't a huge amount but if it was I'd be in serious trouble. I hope no one else loses money to crooks and Afterpay who condones theft.
Very bad customer service
I bought super dry jacket and the purchase got cancelled by the merchant. Being the middle man They should be the one who should settle this not us as we didn’t went to there website straight and went through Afterpay. Instead of rectifying our concern they are still charging us our instalment. The feedback system is very poor and slow. And the worst part we can’t be able to talk to them over the phone so that we can come to a proper settlement.!! Abysmal is how I will sum this experience with afterpay. Zippay and split it are much better than afterpay.!!!
Inconsistent and unreliable
I was only with Afterpay for around 5 to 6 weeks to which I made a couple of purchases in the first 2 weeks. I actually paid off both my orders In 2 instalments rather than seeing out the full 4 fortnightly instalments. Around the 5th week of my membership with Afterpay I tried to make further purchases to which were declined though I owed nothing and had settled my previous purchases early. And had I should have my full line of credit available. This is where it got frustrating. I contacted via email their customer service agents 4 or 5 time...s for an explanation and though their responses were prompt they were generic spiels and did not address my issue and to date could not explain to me why I was being declined. They kept stating that My issue was that I was seeking more credit. I kept reiterating that I simply wanted to use my available credit. It felt like their CS agents simply weren’t listening to me and just rambled off set spiels. I closed my account with Afterpay in the second month as I found them to be an unreliable and inconsistent service with poor customer service skills. Afterpay were more of a hinderance than a benefit and I found them very frustrating to deal with.
Amount Available To spend
Afterpay just reduced my available amount to spend without explanation. I got in touch to understand why, as I have been using the service for over 2 years and always paying in time and their reply was just an automatic thing, totally “I don’t care “ and someone called Cameron was totally rude when I got back again asking for a decent explanation.
So disappointed as I’ve been a good customer that was always telling my friends to try the service.
Discusting useless customer service, even by supervisors!!! avoid afterpay!!!!
Discusting useless, customer service, even by supervisors!! Avoid afterpay!! Go elsewhere this company does not care what so ever if you have a gold credit rating, worst worst customer service i have ever encountered, useless useless Do not use!!
Love Afterpay but dislike App update
I dislike the update on the app. I prefer seeing how much I owed (14 days, 30 days etc) compared to how much I can spend. If I wanted to see how much I could spend I would just click on the voucher. It feels like a sneaky way to encourage people to spend instead giving people clarity on their payments.
Appauling do not do business with!!
Customer service is well below par, staff don't even read the messages they eventually may respond to, have no knowledge of their own policies or just refuse to explain anything, are incapable of addressing customers correctly in messages and threaten customers when they get annoyed. Stay well clear!
I lost $80 and afterpay wont do anything about it
I am taking Afterpay to Fair trade ombudsman.
I was scammed $80 and Afterpay refuse to help me get my money back at all, say its my own problem. Will never use Afterpay again.
- Verified customer
Happy to take your money, not so with issuing refunds.
I purchased almost $800 worth of goods from a seller using Afterpay. The seller hadn't delivered after 3 weeks with zero updates on where the product was despite me asking. I asked the seller for a refund but it was never issued.
I contacted Afterpay on two occasions for help with both responses stating they don't help with refunds. its up to me to get the (non-communicative) seller to refund. When I asked Afterpay to stop the payments to the seller while I sort it out they said no, the payments will still happen anyway.
I contacted the seller...
Afterpay vs No interest Credit Card
Disclaimer: I am not offering any financial advice but financial wisdom cows with knowing what you sign up for and I am not affiliated to any bank or Afterpay.
Using $1000 as a base credit value with Afterpay you just pay back $1000 in 8 weeks whereas for example, with NAB ‘0% interest’ card you end up paying $1020 in 2 months. Banks do a credit check that will dent your score, Afterpay doesn’t. Banks charge you monthly fees (no interest) and Afterpay charges the retailer a fee not you.
Credit cards are versatile for travel and paying for things like car hire overseas but with Afterpay it’s just for domestic use.
The choice is yours.
They lied to me
I contacted afterpay to get an extension of two weeks due to financial hardship. The amount was under $100.00. I received an email from the reassuring me that payments and notifications were turned off til that date (two weeks time).
However they lied. I lent some money to tide me over and afterpay took it all that same night.
I contacted them immediately but got the old nothing we can do now crap
I know it's so temping but please avoid them for your financial health.
Rubbish app and service
App says I can use $500 to make purchases, try to make purchases in store and they are declined due to ‘insufficient funds‘, even though there are PLENTY of funds available on the linked credit card. Very embarrassing. Use that same credit card with PayPass and transaction is approved. The problem is with Afterpay. There also also random times when a barcode cannot be generated.
Support is useless they just reply back with copy and paste scripted responses.
A little difficult, could be better!
Tried to use via a new EBAY (test it out) and to take advantage of 4 payment option.
Could not setup the account as using a different email address, as I have many but would only link to one phone and one email. Support was via email and no desktop access only via mobile app.
Just a little difficult to use. Suggest to avoid!
Rude staff and terrible customer service
They clearly don’t care about loyal customers. I would never recommend using them at all and I will tell everyone I know what has occurred and try and get them to use any other facility.
Extremely terrible customer service
They clearly don’t care about loyal customers. I would never recommend using them now I know the way they react or fail to act when you need to try and sort something out. I will tell everyone I know what has occurred and try and get them to use any other facility
- Verified customer
Very upset with how I’ve been treated.
I was a customer from day one with hundreds of orders placed With the maximum level of $1500 given to me because I ALWAYS paid on time. I fell behind with repayments due to some temporary financial difficulty and owed $500. I paid this up in full today thinking my account was good to go and they told me I was banned forever from afterpay. I actually cried over this. I was a loyal customer. I begged like a fool and said please start me on the lowest amount and earn back my limit but they wanted nothing to do with me. They were heartless and beyo...nd rude. I’m disgusted in how you treat loyal customers and how heartless you are to people doing it tough. I’m not longer in a bad situation which was why I could pay the full amount in one go. Afterpay acts like because they’re a big company now that they can treat their customers however they like. IT IS NOT A NICE FEELING TO BE BANNED FROM SOMETHING FOR LIFE!!! It shows that one can never make mistakes or if one is in a hard spot you’re not met with compassion. Oh and btw I was lead to believe if I paid it off my account would be reopened. I wonder what legal route I could go down now for being mislead.
Terrible customer service and refund process.
Ebay refunded a purchase and I am still waiting for it from Afterpay after nearly 2 weeks. Submitted an enquiry and got a "have you restarted your computer" response. Terrible service!
Questions & Answers
I can not click on the in store barcode it just loads and does nothing.
Here are some of the things I hope will help your in store barcode.
1. if you have only just recently joined afterpay, usually your limit will be lower, however, the longer you with them, and spending responsibly and make payment on time, chances are you more likely to get approve for an in store barcode.
2 . They will also take note if there is any sufficient fund available.
3 How much do have as an outstanding on your previous purchases
4 . The less the amount to repay, the more likely your barcode request will be approved
5. Check your mobile data turned on for afterpays applications .
Hopefully this will help, if not you are welcome to give them a call, and share their responses to everyone . It will be a good help
Thanks for the reply
With after I started with 550 and because i was paying on time or a week earlier bow the limit is 1500 , which is great. But as i went into david jones i logged in all well but it will not allow me to press the scan bar code ? Why is this
My advise to you is don’t get involved with Afterpay. They messed me over and lied to me and therefore lost my trust and killed their integrity. Plus they can’t guarantee100% on all products.
Made me wait around in a shop for an hour and didn’t let me have access to getting a gift card although it was only $150 and in the account I had $800 to spend with them.
Also I paid my bill 2 weeks early they told me sorry we don’t care. They literally told me it doesn’t make a difference if you pay your account early even if you enter into a payment arrangement with them.
Go zip pay instead because you can get groceries and I believe fuel as well.
If you’re going to get fuel, you have to buy a shell card at Coles and go to a coles express to use it.
Afterpay does not offer this service at all on groceries or fuel it’s very limited. Plus as I said they stuff you over.
Quick question after pay do I need to put a down payment on the first purchase for the four payments
Yes, eg . If you had a shopping amd the amount is $ 80.00, the first payment upfront will be $20.00.
and the remainder will be $20. Fortnightly
No don’t waste your time with Afterpay go with zip pay much better.
Afterpay lies to me blocked my account although I had paid my bill early and they told me that they don’t guarantee 100% on every item and all I wanted from them was a gift card which was on their list. I ended up lay buying my items myself.
They also after lying to me twice made me wait around for an hour until I called them back again saying why can’t I get the items I want, I paid you 2 weeks in advance.
So it doesn’t matter if you pay early, Afterpay will still screw you over regardless.
On top of that they are limited, if you go zip pay you can actually buy groceries and possibly even fuel. So if I were you don’t waste your time with them. I read a review on here where they’ve made a person wait 6 months and he’s paid his bill. He’s now worried about xmas.
Go zip pay much better
I’m a new customer and can’t use in store barcode? Online purchases work fine. Is there a rule where new customers can’t do that yet?
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