Afterpay FAQ

Afterpay FAQ

What is Afterpay?

Afterpay is a payment solution that empowers you to “Buy Now and Pay Later” with simple, interest-free installment plans. We break down the total cost of your purchase into smaller payments, spread over at least six weeks. As little as 25% is due at the time of the purchase, with the remaining amount spread out over equal installments (typically three), each two weeks apart. No interest or processing fees are charged to you - as long as you pay everything off on time, you only pay for what you ordered!

When you complete a purchase with Afterpay, the merchant ships your product immediately - so you get to enjoy your item before you’re finished paying for it!

Afterpay automates the remaining payments through whichever payment method you have on file, with text and email reminders before each payment is processed. You can always log into your account and change your payment method. Additionally, if you want to pay off your orders early, you can do so at no extra cost.

How Does Afterpay Work?

Afterpay is a payment solution that empowers you to “Buy Now and Pay Later” with simple, interest-free installment plans. We break down the total cost of your purchase into smaller payments, spread over at least six weeks. As little as 25% is due at the time of the purchase, with the remaining amount spread out over equal installments (typically three), each two weeks apart. No interest or processing fees are charged to you - as long as you pay everything off on time, you only pay for what you ordered!

Once you’re ready to check out, select Afterpay as a payment method. Returning customers will log in, and new customers will need to create an account and provide a payment method. After you’re approved and you complete checkout, the merchant will ship your products just like they would with any other payment method. You will be notified at checkout what sort of payment plan you’re approved for, including how much is due upfront and when the next payments will be due.

Who can Use Afterpay?

To use Afterpay, you must be 18 years or older (19 years or older in Alabama or if you are a ward of the state and live in Nebraska) and have a valid U.S. or Canadian mobile number and email address.

If you’re worried about credit checks, don’t worry! Afterpay doesn’t qualify as a credit product per United States regulations (Reg Z), so there is no “hard credit check” processed.

How do I sign up?

Here are two ways to sign up for Afterpay:

1. Create a Afterpay account in just a few steps by going to https://www.afterpay.com/index and signing up for a shopper account.

1. Select Afterpay as your payment method while checking out with The Golden Dandelion, a Afterpay online approved merchant partner.

Is there a Minimum Purchase Requirement?

Yes, There is a $35 minimum order requirement to purchase using Afterpay. 

When do I make my First Payment? 

Your first payment is due at the time of checkout. During checkout, you will be told exactly how much will be charged, which can be as little as 25% of the total order cost.

 Afterpay says the payments are interest-free. What’s the catch?

There’s no catch! Afterpay is completely interest-free for shoppers. Merchants pay us a fee, so you can Buy Now and Pay Later.

 The only fees you might encounter are failed payment fees or rescheduled payment fees. If your scheduled payment fails to process, you will be charged a $10 fee (this fee is separate from any fees your bank may charge). Typically, this happens when there’s not enough funds in the account or if the card has been cancelled. We do send text and email reminders to try and prevent this from occurring. While each order comes with one free reschedule, the second one does cost $5.If a fee has been incurred, it will be added on to the overall amount of the next installment. Please note, once a fee has been paid, we have no way to reverse it.

Does Afterpay Perform a Credit Check?

Afterpay’s extended payment option is not a credit product per United States regulations (Reg Z). However, we do still look at your credit score as part of our risk check. This does not have an impact on your credit - this is often referred to as a “soft check.” We use this information to help approve you for Afterpay, verify your identity, and help minimize fraud risk.

What is the checkout process like with Afterpay?

We’ve made checkout fast and easy! Simply select Afterpay at checkout, and either log back in or create the account and add a payment method. We do secure checkout by sending a one time-password to your phone, so please make sure your phone is nearby! Our system will then look at the order and make a decision on whether or not we’re able to approve you. If approved, you’ll see a breakdown of how much is due upfront, as well as when future payments will be due and the amount due. Proceed through the rest of the process, and you’re good to go!

This process typically takes less than two minutes for new customers, and just a couple of seconds for returning customers!

 You’ll receive confirmation through your email, and you can always log in to your Afterpay dashboard to check on the payment amounts and due dates.

 If you have questions about your order after checkout, like changing a quantity or when your item will ship, please reach out to The Golden Dandelion Directly.  If you have any questions about your payment, please reach out to Afterpay Customer Service.

 Is Afterpay secure?

We believe security is critically important. We undergo quarterly scans and yearly audits for the highest level of compliance in the Payment Card Industry (PCI) to ensure that your data is safely stored in our systems. We are currently certified at the top level of compliance - PCI Level 1.