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Buy Now, Pay Later

 

INTEREST FREE OPTIONS.


As we want you to enjoy the Proper experience now, we offer both Afterpay and zipPay as payment methods at the checkout.


Both methods offer an easy way to enjoy buy Proper now and pay later, interest free.



Afterpay

4 fortnightly instalments. No interest to pay.

Afterpay is an alternative method of payment available through our store. Afterpay enables you to pay for your items in four simple instalments every 2 weeks without the hassle of credit checks or filling out forms. You receive your order immediately and you don’t have to pay interest.

It is a great way to get your items fast and to have the option of paying for it over a long period of time for when it better suits you. Essentially, you can purchase an item today and pay for it later.




How do I purchase with Afterpay?

Afterpay is fully integrated with the Proper checkout so all you need to do is select this as your payment option when you are ready to purchase.


To make a purchase using Afterpay you need:

  • A valid debit or credit card
  • An Australian residential address
  • To be over 18 years old

Step 1: Select Afterpay as your payment option on the checkout page

The first time you use Afterpay, you will have to provide the usual payment details to complete your purchase. Next time, you will only need to log into your account at the checkout and the rest will be taken care of.


Step 2: Choose how you want to pay your instalments

Afterpay will split your payments over four instalments due every fortnight. You will need to nominate the credit or debit card you wish to use. Your payments will be scheduled and taken automatically every two weeks using this payment method.


Step 3: get approved instantly and securely

There are no credit checks or long forms to fill out. Afterpay only uses your nominated bank account to process your application on the spot.


Step 4: Step 4: Enjoy your purchase!

After you check out with Afterpay, we will process your order and send your items for you to enjoy. Afterpay will remind you when payments are due and will process your payments automatically.



Important Information

The funds for the first payment must be available on your chosen card at the time of purchase. For first time users, the first payment is taken at the time of the transaction, with the remaining three payments taken each fortnight over the next 6 weeks.


For all future orders with Afterpay after the first purchase, the initial payment will be debited from your account 14 days after the transaction.


If have insufficient funds available for the automatic fortnightly deductions on the due dates you will be charged a late fee of $10 and if the payment remains overdue, an additional $7 late fee will be charged 1 week later.


Please note that if your Proper purchase is the first time you have used Afterpay, you will need to make the first repayment when you place your order. Maximum order value is $1000.


For more information on Afterpay and to see their terms & conditions, please visit their website at www.afterpay.com.au.












zipPay

zipPay, powered by zipMoney, is a safe, simple and convenient interest free option allowing you to experience Proper experience now and pay later.


No credit card is required and you have flexibility over when you pay - pay weekly, fortnightly or monthly to suit your lifestyle.



How do I pay with zipPay?

Purchasing using zipPay is easy.  It is fully integrated with the Proper checkout so all you need to do is select this as your payment option when you are ready to purchase.


To make a purchase using Afterpay you need:

  • An Australian residential address
  • To be an Australian citizen
  • To be over 18 years old

Step 1: Select zipPay as your payment option on the checkout page

If you haven’t used zipPay before, you will need to create a zipPay account or sign in with your Facebook or PayPal account (we won’t post to your account) at the Proper checkout and confirm your details that you would normally use when shopping online. Next time, you will only need to log into your account at the checkout and the rest will be taken care of.


Subject to approval, this process takes only seconds after which you can complete your purchase and pay as it suits you.


Step 2: Order is processed as normal and your Proper product will be shipped to you!


Step 3: Login to your zipPay account to set up repayments.

You have full flexibility over when you pay and can pay in instalments* to suit your lifestyle.


Important Information

When is my payment due and what costs are involved?

You have full flexibility over when you pay, pay weekly, fortnightly or monthly to suit your lifestyle.


A statement will be sent to you at the start of each month outlining any transactions made & balance owing. You will have until the end of the next month to pay off your purchases in full with no fees*. If you pay by the due date, no interest will be charged.

*$5 service fee may apply if purchases not paid in full by scheduled due date.

Once you have repaid your balance down to $0, the account will simply remain open waiting for you to use again to make additional purchases with no fees.

What is the minimum repayment required?

The minimum payment required each month is $40 (or balance outstanding, if less than $40). You can set your repayments higher if you wish to pay the purchase off quicker.

How do I make my repayments?

To ensure you never miss a payment you can setup a direct debit to automatically make your repayments. You can set this to run for as much as you like and as often as you like (as long as you pay at least the minimum of $40/mth, or balance outstanding)

Additionally, you can make a one-off payment anytime by logging into your zipPay Digital Wallet and selecting ‘Make a Payment’. Payments can be paid online by debit card, credit card or Bpay.

What account limits are available with zipPay?

When a customer applies for an account they are allocated a limit up to $1,000. Account limits available to customers are $250, $500 or $1,000. The customer’s limit is automatically assigned at account creation and determined by our risk and credit lending policy.



For more information on zipPay and to see their terms & conditions, please visit their website at www.zippay.com.au



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