> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.coffeemachinespecialist.com.au/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# How to Use Afterpay

# How to Use Afterpay

Afterpay lets you buy now and pay later in 4 interest-free instalments.

## Requirements

To use Afterpay, you need:
* To be 18 years or older
* An Australian debit or credit card
* An Australian billing address
* A valid email address and phone number

## Order Limits

* Minimum order: $100
* Maximum order: $2,000 (may vary based on your Afterpay account)

## How to Pay with Afterpay

### Step 1: Shop
Add items to your cart as normal.

### Step 2: Checkout
Select "Afterpay" as your payment method at checkout.

### Step 3: Log In
* **Existing customers:** Log into your Afterpay account
* **New customers:** Create an account (instant approval)

### Step 4: Complete Purchase
Confirm your order. Your first instalment (25%) is charged immediately.

### Step 5: Pay Remaining Instalments
Afterpay will automatically charge your remaining 3 instalments every 2 weeks.

## Payment Schedule Example

For a $400 purchase:

| Instalment | Amount | Due Date |
| ---- |
| 1st | $100 | Today |
| 2nd | $100 | 2 weeks |
| 3rd | $100 | 4 weeks |
| 4th | $100 | 6 weeks |

## Managing Your Afterpay

* Download the Afterpay app to track payments
* Log into afterpay.com to view your account
* Set up payment reminders

## Late Fees

Afterpay charges late fees if you miss a payment:
* Initial late fee: $10
* Additional fee if still unpaid after 7 days: $7
* Maximum late fees capped at 25% of order value or $68 (whichever is less)

## Returns with Afterpay

If you return an Afterpay purchase:
* Refund is applied to your Afterpay account
* Remaining instalments are adjusted or cancelled
* Already-paid instalments are refunded

## Questions?

* **Afterpay support:** afterpay.com/help
* **Our team:** Chat with us anytime