You may have noticed, as you frantically add to cart all of your Christmas gifts, a new tab at checkout offering you to ‘pay later’. While you would be forgiven for hesitating after you initially race your curser over the seemingly bait-y TGTBT option, shoppers everywhere are discovering that their wish list dream purchases are actually attainable, thanks to companies like AfterPay and zipPay. This is not a drill (nor an ad!).

They work as a kind of middle-man payment, allowing you to take your purchase home with $0 upfront, and no interest-laden contracts. They work a little like Pay Pal in the sense you register your card details, and they’re an easily available option at checkout. The one big difference is, you pay nothing until your scheduled payment dates, like a lay-by, but you don’t wait for the goodies.

AfterPay takes four equal fortnightly payments over eight weeks and you get payment reminders via text the week and 24 hours before the due dates. ZipPay offers you the choice of paying fortnightly or monthly, and gives you a $500 limit on all purchases, with each payment your ‘credit’ goes up and down – helps avoid an all out shopping blitz, you’ve still go to stay realistic with your funds, guys. The amount owed per payment is shown upfront so you can decide on its affordability before getting to checkout.

Beauty brands and retailers such as Skin Physics, Citra & Co, Raw Beauty Studio and Sassy Organics offer AfterPay and Adore Beauty, Nourished Life, Vani-T and Frank Body offer zipPay – just to name a few. We haven’t been this excited about shopping since, well, never. It’s time to stock up, with sending yourself broke. To see the full list of retailers click here and here.


Story by Rikki Hodge-Smith

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