Afterpay is a buy now, pay later platform that lets you pay for your items in 4 instalments over 6 weeks, interest free.

Easy to apply.

Simple and easy to join. Set up an account in minutes. Credit checks apply.

Spend limits are dynamic and start low.

Once approved, enjoy your dynamic spending limit. We start new customers at a lower spend limit and may increase it gradually over time.

Accepted at Skinsation Retailer and Online

Once approved, you can pay it in 4 whenever you shop with Skinsation Cosmetics

It’s easy to manage your account in the app.

Track your payments, check available spend limits, and make early payments in the Afterpay App.

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.

Step one: Add your items to your shopping cart.

Step two: Select Afterpay as your payment method at the checkout.

Step three: You’ll be redirected to Afterpay to login or create your account.

Step four: Your payment schedule will be displayed.

Step five: Track your payments, check available spend limits, and make early payments in the Afterpay app.

To set up an Afterpay account you’ll need to:

• Live in Australia or New Zealand
• Be over 18 years of age
• Have an Australian/New Zealand debit or credit card
• Have a valid and verifiable email address and mobile number
• Have a valid and verifiable email address and mobile number
• Be capable of entering into a legally binding contract
• Credit checks apply

For full terms and conditions visit www.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 has been built with a range of security features and services to help keep your accounts secure, including monitoring transactions to identify fraudulent trends and behaviours, multi-factor authentication, and encryption to protect your information. You can find out more on at Afterpay’s safety and security page.

Items purchased with Afterpay can be returned for an exchange or refund, subject to our Returns Policy. Once your return or refund is processed, Afterpay will be notified and your payment plan will be adjusted to reflect the new order total. If you have already made a payment, it will be refunded to you through Afterpay.

To find out more, visit the Afterpay website .