Ritchi Cushion

AFTERPAY

How does Afterpay work?
We offer simple instalment plans for online shoppers, allowing a purchase to be paid for in 4 equal instalments, due every fortnight, interest free! Simply shop with one of our favourite stores found in the Shop Directory and choose Afterpay as your payment method at checkout. First-time customers provide payment details as usual, returning customers simply log in to make their purchase. It’s that easy!

After you check out, the goods will be shipped to you by the merchant. At any time, you can log in to your Afterpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically deduct the instalments from your debit or credit card every fortnight.

Who can use Afterpay?
Afterpay is available to all people who:

• Live in Australia;

• Are at least 18 years old;

• Are capable of entering into a legally binding contract;

• Have a valid and verifiable email address and mobile number; and

• Use an Australian credit or debit card to make the purchase.

• We do not require you to fill out a credit application form!

I am a shopper how do I sign up for Afterpay?
You do not need to register prior to making your first Afterpay purchase.

When you are making a purchase with one of our favourite stores found in the Shop Directory, simply choose Afterpay as your payment method at checkout. If it’s your first time using Afterpay, you will provide payment details as usual to complete your purchase.

Once your first order is approved, your Afterpay account is created. All you need to do is visit www.afterpay.com.au to set up a password, and you will be able to make more purchases using Afterpay by simply entering your log in details upon checkout.

Is there a cost to use Afterpay?
Afterpay does not charge a fee to consumers when purchasing and we do not charge interest. The only fees applied to consumers are late fees if your scheduled payments are unsuccessfully processed and, after being notified, you do not log in to your Afterpay account to make your payment via a different method.

Is Afterpay safe and secure?
Yes, we understand how important security is so we ensure that your personal information is protected. Afterpay is a PCI DSS Level 1 certified compliant Service Provider organisation. PCI DSS is a comprehensive set of requirements created by the Payment Card Industry Security Standards Council to enhance cardholder data security and to ensure the safe handling and storage of sensitive customer credit card information and data.

This is the highest level of security in the payment industry.

ZIPPAY

Choose the items you love and select Zip at checkout.
We pay the store, you get the goods with nothing to pay today.
Choose how you pay us back over time interest free*
*A $6 monthly account fee applies. Pay your balance by the due date (the end of next month) and we'll waive the fee.

KLARNA

Shop now, pay later with Klarna!

We’ve partnered with Klarna to give you more control over your purchases

It’s Smoooth & Simple
When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.

4 Interest-Free Instalments

1.  Add item(s) to your cart and select  at checkout.

2.  Enter your debit or credit card information.

3.  Pay later over 4 instalments. The first payment is taken when the order is processed and the remaining 3 are automatically taken every two weeks.

Making Payments
Review your latest purchases and pay any open balances by logging into your Klarna account at https://app.klarna.com/login. You can also chat with Klarna Customer Service 24/7 in the Klarna App.

Will Klarna perform a credit check?
When you choose 4 interest-free instalments, Klarna may order a credit report from a 3rd party. Please review product terms for more information on this.

How can I reach Klarna?
You can reach Klarna anytime at https://www.klarna.com/au/customer-service/ or by downloading the Klarna App for 24/7 chat.

About Klarna
Klarna was founded in Stockholm, Sweden and is one of Europe's fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’, adding value for shoppers and retailers with unique payment options and superior customer experience. Klarna has 2,500 employees across 17 countries, and is leading the way for alternative payments by serving 85 million consumers and 205,000 merchants smoooth payment solutions.
https://www.klarna.com/international/about-us/