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Afterpay

What is Afterpay?

Afterpay is a service that allows you to make purchases now and pay for them in 4 payments made every 2 weeks without any interest.

How do I use Afterpay?

Simply shop online or in-store (where available) and add items to your shopping bag and checkout as normal. At the checkout choose Afterpay as your payment method. First-time customers will need to register with Afterpay and provide payment details, as usual, returning customers simply log in to make their purchase. It’s that easy! Please note that all items in your shopping bag must be eligible for Afterpay. A minimum purchase amount may apply and you must meet additional eligibility requirements to qualify.

Where can I use Afterpay?

Afterpay can only be applied to purchases made on the retailer website or in-store (where available).

How does the payment schedule work?

All customers are required to make their first payment at the time of purchase, with the remaining three payments deducted every two weeks from your chosen payment method. If you choose to make additional payments before your scheduled pay dates, you may do so through your Afterpay account. You can log in to your Afterpay account to view your payment schedule and make a payment before the due date if you choose to do so.

What if I can’t pay an Afterpay installment?

If funds are not available or you otherwise do not make your payment when it is due, late fees may apply. Click here for complete terms. Where can I find common questions about payments? Check out the Afterpay Payments FAQ.

When will my items be delivered if I use Afterpay?

Afterpay orders are delivered as per our standard shipping time frame after you complete your order online. Visit the retailer’s shipping page for more information.

Is there a limit to how much I can spend on a single transaction?
Yes, transaction value limits apply to purchases made on the retailer website using Afterpay.

What products are not eligible for purchase using Afterpay?

Afterpay is not available on purchases of gift cards. If you are purchasing gift cards along with Afterpay eligible products, you will need to place two separate orders.

How do I return or exchange an item purchased using Afterpay?

If you have changed your mind, you can return your Afterpay purchase in-store or by mail for a refund. Please check that your return or exchange meets our Return policy here. Afterpay will be notified of your return and will process the appropriate refunds. Please do not return your purchase to Afterpay. 

Where can I find out more about Afterpay?

If you would like to know more about Afterpay, visit the Afterpay website www.afterpay.com for a comprehensive list of FAQs, terms as well as Afterpay’s Privacy Policy, which can be found at www.afterpay.com/privacy-policy. If you have any questions about your Afterpay account, please contact Afterpay directly.


Klarna

What is Klarna?

Klarna is a global payments provider that works with retailers to give customers the smoothest online shopping experience by providing unique payment options and superior customer experience. 

How do I pay in 4 interest-free installments?

Select 4 interest-free installments to split your purchase into equal payments, charged automatically every two weeks beginning at the time your order is confirmed. No bills are sent - you can simply sit back, relax, and enjoy your purchase. View complete terms.

How do automatic payments work?

Payments are collected from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at https://app.klarna.com/login

Is there a fee to pay in 4 interest-free installments?

There are no fees when you follow the payment schedule and make payments on time. Please review product terms for applicable fees.

How do I return an order?

Returns are subject to the store’s return policy. If you have an outstanding pay later balance and your return hasn’t registered by the due date, please contact us for further assistance. View our return policy.

What is monthly financing?

Monthly financing is available when you choose to open an account with Klarna at the time of checkout. This affordable and highly flexible open-end line of credit is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time and can be used anywhere in the Klarna merchant network. View complete terms.

How does financing with Klarna work?

It's simple. Shop at any online store that offers Klarna monthly financing, and choose a flexible payment plan to pay for your purchases over time. You will know if you are approved in seconds, and can then complete your purchase. You will receive an email notification of your purchase from Klarna, and can manage your transactions in the Klarna App.

Will this affect my credit score?

Pay later in 4 interest-free installments will not affect your credit score.

Monthly financing applications will take credit score and credit history into consideration when determining if the application is approved.

How can I reach Klarna?

You can reach Klarna anytime at https://www.klarna.com/us/customer-service/  

Still have questions? Visit Klarna's site to learn more.

Sezzle

What is Sezzle?

Sezzle is a payment solution that gives you the freedom to buy now and pay later — with no interest.

When you place an order through Sezzle, their unique approvals system reviews your account to determine what sort of repayment plan they can offer. In most cases, it's 25% of the order total due up-front (also called your "downpayment" or "first installment"), with the remaining amount divided up across three more installments, each due two weeks apart. No interest, no up-front or hidden fees. In fact, as long as you pay off your installments on time, there are no fees at all.

How does Sezzle impact my credit score?

Sezzle does offer an upgraded account called Sezzle Up with a feature to build your credit, access to your limit, and a boost, as well as exclusive in-app merchants.  At this time, Sezzle does not report activity to any credit bureaus for users not enrolled in Sezzle Up.

How can I return or exchange an order?

If for any reason you're unsatisfied with an order, please reach out to the merchant directly. View our return policy.

How secure is Sezzle?

Security is critically important at Sezzle. They undergo quarterly audits for Payment Card Industry (PCI) compliance to ensure all the data you provide as well as the data associated with your orders is safe. PCI compliance is the industry-standard method of gauging security, and they are currently certified up to Level 1, which is the highest level attainable.

How can I reach Sezzle?

You can reach Sezzle here or review their FAQ page for more information.

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