Afterpay

What is Afterpay

What is required to use Afterpay?

An Australian/New Zealand residential address A valid credit or debit card Must be legal age of over 18 years old

How does Afterpay work?

When you use Afterpay, you pay for your items in 4 instalments over 6 weeks, without incurring any interest. To use Afterpay, add items to your shopping cart then select Afterpay from the available payment options. You pay for the first instalment of 25% at the time of purchase, and the remaining three instalments will be automatically deducted from your nominated debit or credit card over the following six weeks.

When will my goods be delivered if I use afterpay?

Afterpay orders are delivered as per our regular Standard delivery timeframes after you complete your order online. Free shipping is available on standard delivery orders over $100 AUD Australia-wide.

Click here to read more information about our terms and conditions of shipping options.

How does the payment schedule work?

All new Afterpay customers are required to make their first payment at the time of purchase, with the remaining three payments deducted automatically each fortnight over the remaining 6 weeks. After the first purchase transaction, each further payment will be debited exactly 14 days later, unless voluntary payments are made. At any time, you can log in to your Afterpay account to view your payment schedule and make a payment before the due date. If you do not log in and make a payment, Afterpay will automatically deduct the installments from your debit or credit card each fortnight.

Is there a limit to how much I can spend on a single transaction?

Yes, transaction value limits apply to Afterpay purchases made at engageind.com online. The Afterpay payment service is available on purchases up to the value of $1000 AUD.

Are there any fee's for using Afterpay?

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.

What happens if I require a refund and paid using Afterpay?

Items purchased with Afterpay can be returned for an exchange or refund, subject to Engage’s Returns Policy. Returns or refunds will be processed and Afterpay will be advised. Your payment plan will then be adjusted to reflect the new total order value. If you have already made a payment, this will be refunded to you via Afterpay.

Where can I find out more about Afterpay?

To find out more, visit the Afterpay website .