Afterpay Terms & Conditions

Effective 10 June 2025
 

Boutique Psychology is pleased to offer Afterpay as a payment option for eligible services. These Terms and Conditions explain how Afterpay can be used in our practice and the responsibilities of clients who elect to use this service.
 

What is Afterpay?
 

Afterpay allows you to split the cost of your service into four (4) equal fortnightly instalments, with no interest, provided payments are made on time. This service enables you to access psychological services without upfront financial burden.

Afterpay is provided by Afterpay Pty Ltd (ABN 15 169 342 947), a licensed Australian Credit Licensee regulated by the Australian Securities and Investments Commission (ASIC). Use of Afterpay is subject to Afterpay’s own eligibility criteria, terms of service, and regulatory obligations under national consumer credit laws.

Important Consumer Disclosures
 

• Credit Checks: As part of the updated BNPL regulatory framework, Afterpay may now conduct credit checks when you create a new account or request to increase your spending limit. This is required under their Australian Credit Licence obligations and assists in responsible lending practices.

• Late Fees and Consequences: If a scheduled payment is missed, Afterpay may charge a late fee. Continued missed payments may impact your future access to Afterpay services and your credit report.

• Dispute Resolution: If you have concerns about a payment, we recommend contacting Afterpay directly. Boutique Psychology does not manage your payment schedule or fees once you have agreed to Afterpay’s terms.

How to Use Afterpay at Boutique Psychology
 

• Afterpay may be used for eligible individual therapy sessions, assessments, and certain psychological reports. Not all services are eligible for Afterpay, particularly those funded through Medicare, NDIS, or third-party agencies.

• Payment must be processed at the time of service or when the invoice is issued, using your Afterpay account. You must have the Afterpay app or online portal available at the time of appointment.

• Afterpay is not available for missed appointments or late cancellation fees, which must be paid in full within 24 hours by alternative methods.

 

Service Eligibility
 

• You must be aged 18 or over and hold a valid debit or credit card issued in your name.

• You must meet Afterpay’s eligibility criteria, including identity verification, spending limits, and repayment history.

• Boutique Psychology reserves the right to withdraw Afterpay as a payment option if usage is inconsistent with clinical or financial policies, or if Afterpay deems your account ineligible.
   

Marketing and Promotional Use
 

• All Afterpay promotional materials used by Boutique Psychology are compliant with the June 2025 Merchant Marketing and Advertising Guidelines. Clients should refer to Afterpay’s official channels for the most up-to-date terms of service and promotional conditions.

Privacy and Data Handling

• Boutique Psychology does not access your payment history or credit data through Afterpay.

• Your personal information remains confidential under our Privacy Policy and is not shared with Afterpay except to process a transaction you have authorised.
   

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