AfterPay: A follow up

Sunday, September 30, 2018

At the end of August, I did a mini-review on Camera Ready Cosmetics using AfterPay. AfterPay is an alternative method of payment which allows you to pay for an order placed in four equal payments. The payments are automatically deducted from your bank account or credit card every two weeks after your initial order. You will get an email a few days before payment is due and will have the option to manually pay the amount due off and even offered the option to pay the amount off entirely at any point in time.

I have to admit the first time the payment was scheduled I manually paid it as I was not sure if payment would be automatically deducted, my final two payments went through automatically more because I didn't have time to log in and manually pay. It was nice but if you use AfterPay frequently you might find yourself in financial trouble if you've overextended yourself.

My total order was $50.96 and the first payment of $12.74 was due immediately at the time I placed my order on August 14, 2018. My second payment came due on August 28 which I manually paid. My third payment came due on September 11 and was automatically withdrawn from my account and my final payment was automatically made on August 25, 2018.

Would I use AfterPay again? Yes and no. I would - for small orders - but would have to temper myself in making sure I didn't overextend myself as it's easy to forget payments which do add up. I wouldn't have multiple large orders open that would cause a problem with my bank account or credit card as the purpose of AfterPay is allow a person to make payments over the course of eight weeks.

Personally, I really enjoyed being able to place an order and make small equal payments. Beautylish* does have their own similar plan - three equal payments over the course of three months with a minimum purchase of $50, and SauceBox Cosmetics* uses Sezzle which does run a soft credit check.


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