With Afterpay buyers can purchase items and receive them straight away - while paying them off in four fortnightly interest-free payments - and the seller gets paid up front.

Afterpay for sellers

When buyers use Afterpay as their payment option, sellers get paid up front and Afterpay organises payment with the buyer. Once you're registered for Pay Now, Afterpay will show as a payment option when you're creating listings on transactions valued up to $1,200.

Once the sale is complete you’ll receive full payment up front (less fees) within 3 business days, and the buyer will arrange payments with Afterpay. You’ll also receive an email with payment confirmation and delivery details, and can ship the goods as normal. 

There are no setup costs but you do pay a 4.95% fee of the total value of the purchase, including shipping costs if your buyer opts to pay using Afterpay. This fee is additional to any success fees you incur on a sale.

Afterpay for buyers

Purchase an item using your debit or credit card and pay it off in four fortnightly interest-free payments. You can filter search results to just show listings offering Afterpay.

It’s quick to sign up on Afterpay, and the process is instant and secure. Repayment is automated with a payment deducted every fortnight, and (providing you pay installments on time) there are no fees. Returning customers just log in to Afterpay.

There are several NZ issued credit and debit cards you can use to make a payment via Afterpay including:

  • Visa

  • Mastercard

  • Most NZ issued debit cards


Note: American Express, Diners, Q Card and Prezzy card are not accepted for Afterpay transactions at this time.

Paying by Afterpay also means we've got your back with Buyer Protection.


What does Afterpay cost?

Afterpay is free for buyers, providing you pay installments on time.

For sellers there are no setup costs but you do pay a 4.95% fee of the total value of the purchase, including shipping costs if your buyer opts to pay using Afterpay. This fee is additional to any success fees you incur on a sale.

The fee to use Afterpay covers:

  • processing costs of four fortnightly payments for each purchase

  • risk factor – there’s no credit risk to you and you’re protected against fraudulent payments

  • financing the order – Afterpay pays you straight away, but doesn’t get paid in full for up to eight weeks.


Who can use Afterpay?

Afterpay is available to Trade Me members who:

  • live in NZ

  • 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

  • use a NZ debit or credit card to make the purchase.


How do I add Afterpay to my listings?

If you’re registered for Pay Now, you can add Afterpay as a payment method for your listings.

Afterpay is available when listing via the desktop sell process, or listing tools like Tradevine and My Products. Other integrators like ChannelAdvisor and OMINS are also set up with Afterpay. When you add Afterpay to all your listings via a listing tool, it will automatically be applied to listings that meet the price threshold (up to $1,200) and are in eligible categories.

For My Products and Tradevine, we offer a one-click solution to add Afterpay to all of your listings. Alternatively, add Afterpay to your products via bulk edit options or individually within your product templates.

Before you add Afterpay to any listings, make sure you read the Afterpay terms for Trade Me sellers

Is Afterpay safe and secure?

Yes. 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.

Is Afterpay available for all categories?

No. Afterpay is available on Marketplace general items only.

In some categories, Afterpay is only available when the buyer has a feedback rating of at least 2. These include: Parts & accessories categories for Cars, Boats & marine, Caravans & motorhomes, Motorbikes and Trailers, as well as Car stereos, Computers, some Electronics & photography, Gaming, Gemstones, Jewellery (under Antiques & collectables), Mobile phones, Phonecards, Royal family and Watches.

Pets & animals categories are also available to have Afterpay, so long as they are not a classified listing.

In addition, some Marketplace categories are permanently restricted from Afterpay. This includes the following categories: Alcohol related, Businesses for sale, Earthmoving machinery, Food & beverage, Forklifts & pallet movers, Harvest & post-harvest, Horses & ponies, some Hunting & shooting, Livestock, Poultry, R18 - Adult, Tobacco related, some Tractors, some Trailers & transportation, Travel, events & activities and Wine.

Some categories are also restricted at the moment, but may be available at a later date, including: Banknotes, Coins.

Category restrictions for Afterpay are all subject to change.

How much can I spend using Afterpay?

There is no minimum spend with Afterpay on Trade Me, the maximum amount you can spend on one item is $1200. Afterpay also have their own limit to how much you can spend with them, and this will change over time, as they consider different factors to determine your individual maximum spend amount. For example, the longer you have been a customer with Afterpay and the more purchases you have successfully repaid, the more likely you will be able to spend more. Restrictions are tighter for 'new' customers (first six weeks) until they get to know you.

Afterpay are aware it can be frustrating to not know exactly how much you can spend each time, but their rules and approval process help Afterpay responsibly offer a completely free service to their customers.

The good news, is that each time you use Afterpay they are making a fresh decision, and over time you will be able to spend more so long as you continue to repay your installments on time.

How do refunds work with Afterpay?

Refunds for purchases made using Afterpay work in a similar way to Pay Now, except that Afterpay manages the return of any owed funds to the buyer, rather than Trade Me. You'll still get your fees back like you do with Pay Now too.

You'll still be able to issue partial or full refunds. Afterpay automatically adjusts the buyer's payment schedule to reflect what is outstanding, or refunds the buyer any amounts paid.

Can I choose which of my listings offer Afterpay as a payment option?

Yes, so long as the price of the item is no more than $1,200 and the item is not in one of the excluded categories. 

What happens if my buyer doesn’t pay Afterpay back?

All transactions completed with Afterpay are protected against fraud and buyer default. Once a transaction has been approved, the seller gets the full value of the transaction upfront, regardless of whether the buyer fails to make their continuing payments to Afterpay.

Can Afterpay run alongside other payment options?

Yes. Afterpay can be integrated alongside your existing payment options including Pay Now or Ping.

Can I use Afterpay with the Shopping Cart?

No. At this stage the Shopping Cart does not support the use of Afterpay.

What if I have a problem with a purchase using Afterpay?

Please get in touch with our Customer Support team first if you have any problems with a purchase using Afterpay. From there we can advise on the best way to resolve things.

I live in Australia, can I use Afterpay to buy things on Trade Me?

No, Afterpay on Trade Me is only open to buyers based in New Zealand, with a valid New Zealand delivery address. Australian Afterpay accounts will also not work on Trade Me. To use Afterpay in New Zealand, you will need to register for a separate New Zealand Afterpay account and meet the eligibility criteria mentioned above (including living in NZ).

Does Buyer Protection apply to Afterpay listings?

Yes. In the same way it does with Pay Now and Ping.

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