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🌎 free shipping worldwide available 🌎

🗨️ 24/7 Live Chat   |  ☎️ (800) 412 8596
💵 money back guarantee 💵

🌎 free shipping worldwide available 🌎

🗨️ 24/7 Live Chat   |  ☎️ (800) 412 8596
💵 money back guarantee 💵

🌎 free shipping worldwide available 🌎

🗨️ 24/7 Live Chat   |  ☎️ (800) 412 8596
💵 money back guarantee 💵

🌎 free shipping worldwide available 🌎

🗨️ 24/7 Live Chat   |  ☎️ (800) 412 8596
💵 money back guarantee 💵

We are partners with companies that make shopping easier for you.

choose between the below tabs for more details

afterpay

Here’s how Afterpay works.

1

Get the app to shop your favorite brands.

2

See your installments and choose Afterpay as your payment method.

3

Make the first of 4 payments now. Pay the rest over 6 weeks.

Pay Better. Choose Afterpay.

Signing up is simple.

No long applications or complicated terms & conditions. Have your email, phone number, address, DOB, and debit/credit card handy—that’s it.

Get what you need right now.

Make your first payment today and the rest over 6 weeks. It really is that simple.

Manage with smart limits.

Check your available spend and stay within budget. And spend wisely with limits that gradually increase with on-time payments.

We’ve got your back.

We’ll send reminders, so you never miss a payment. And if you do, we pause your account until you’re back on track. There are no fees when you pay on time.

FAQs.

(From afterpay website)

Getting Started With Afterpay
What is Cross Border Trade?

Cross border trade allows you to shop online from Canada on some Australian, New Zealand, US and UK ONLINE stores with your Afterpay account opened in your home country. Making it easier for you to purchase the things you love overseas from the comfort of your own home.

How does Afterpay work out how much I pay?

Afterpay converts the price of the goods from the retailer’s home currency to your currency so that you can see exactly how much it will cost you upfront.  Unlike a lot of other international payment providers, we do not charge any other fees on top of the exchange rate so that you know exactly how much the order will cost before you commit to buy.

I googled the exchange rate and the rate from Afterpay is not the same, why?

  • When you google ‘currency conversion’ or ‘fx rates’ online, you typically see a wholesale exchange rate which is the rate at which foreign currency conversions occur for central banks, major financial institutions and large corporations.
  • Wholesale exchange rates are generally reserved for institutions who convert billions of dollars annually and is not the rate that a regular customer would receive from a bank or foreign currency company to buy lower value items in a foreign currency.
  • Generally, customers will receive what is termed a “retail” exchange rate which is likely to be 3-4% higher than the wholesale exchange rate from a bank and potentially even higher from a foreign currency company.
  • The “retail” exchange rate is a competitive retail exchange rate (typically what would be provided by a major bank) and in line with typical credit card and debit card exchange rates.  The exchange rate will change regularly to reflect the currency fluctuations in the foreign exchange market. 
  • No set-up fees, transaction fees or foreign exchange commissions are applied to the exchange rate prior to or after performing the conversion. This ensures that you know exactly what you are paying when the cost of the order is displayed in your home currency during the Afterpay transaction process.
  • A benefit of using Afterpay is that the payment taken from your credit or debit card is considered a local transaction. This means that you will not be charged the international card processing fee which is charged on all card transactions by your bank if you were to buy directly from a retailer overseas.
  • Because of currency fluctuations in the foreign exchange market, the exchange rate applied will change regularly based on how strong or weak the currency is. To work out what you pay simply take the total order value in the Retailer’s currency and divide by the exchange rate displayed

For example,

  • Let’s say the CAD is strong against the AUD and the exchange rate is 0.9090, if you purchased something for $100 CAD, you will have to pay $110 AUD. 
  • If the CAD is weak against the AUD and the exchange rate is 1.0100, if you purchased something for $100 CAD you will have to pay $99 AUD .

How do I see how much I pay?

  • Choose your items and checkout as per usual
  • Once you are redirected to Afterpay from the Retailers website you will see the full amount of the purchase in your currency.  To work out what you will be charged in your currency, take the amount charged by the retailer in their currency and DIVIDE by the exchange rate displayed to you.    There are no additional costs or fees applied to the exchange rate. 
  • For some merchants, when you checkout in your currency with Afterpay, you will see the same order value during checkout as you had seen on the merchant’s website. Afterpay works with these merchants to sell in your currency so that you aren’t charged any foreign exchange rates. 

Does each instalment change based on the exchange rate?

  • No, the order total and instalment amounts displayed to you by Afterpay (in your currency) are what you will pay for each instalment. These are fixed and do not change.

What about returns, do I get the same amount back that I paid?

  • Yes you do, any refunded amount by the retailer will be converted back at the same exchange rate applied when you placed the original order so you will always end up equal.

Are there any fees?

  • There are no fees applied. 
  • Afterpay simply applies the exchange rate to the cost of the good’s in the merchant’s currency to work out what you will pay in your local currency. 
  • Late fees may apply to any overdue payments that have not been paid in accordance with your payment schedule
I'm not receiving the SMS Verification Code when signing up
I want to shop - how do I sign up?
When will my first payment be taken?
How does Afterpay work?

Afterpay allows you to shop now and pay later. With Afterpay, your purchase will be split into 4 payments, payable every 2 weeks.

Simply shop with one of your favorite stores found in the Shop Directory and choose Afterpay as your payment method at checkout. First-time customers will need to create an Afterpay account (with instant approval decision) and returning customers will simply log in to make their purchase. For online orders, the goods will be shipped to you by the retailer after checkout. It’s that easy!

At any time, you can log in to your Afterpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically take the money from your debit or credit card on your payment due dates.

Please Note: Afterpay does not approve 100% of orders. We are committed to ensuring we support responsible spending.

When determining which orders to approve, we consider a number of different factors. As an example, the longer you have been a shopper using Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more.

Things to consider

  • Are there sufficient funds on your card? Generally we look to see the first instalment amount available to spend.
  • The length of time you have been using Afterpay
  • The amount you have to repay
  • The value of the order you are trying to place
  • The number of orders you currently have ‘open’ with us

While we know it can be frustrating to not know exactly how much you can spend each time or how many active orders you can have, our rules and approval process help Afterpay responsibly offer our service to customers. 

Is Afterpay safe and secure?
Returns / Refunds
What should I do if my goods haven't arrived or have arrived damaged?

The delivery and quality of the goods and services you buy is always the responsibility of the merchants and the service providers you buy from. That means you need to get in touch with the merchant if a delivery is taking longer than expected or it arrives with something missing or damaged. It also means that once an order is approved, only the merchant can change that order.

You can normally find a store’s contact details on its website or on the order summary we sent you when you made your purchase. And you should generally allow 48 hours for the store to respond. In the meantime our system will continue to collect your instalments as per our agreement. If you have any questions, please contact us here.

What if I want to return part of my order?

The amount and type of return you can make on a product will always be determined by the returns policy of the individual merchant you bought the item from. You should be able to find out your options by checking their returns policy on their website or by contacting them directly.

Once a refund has been processed by the merchant it will automatically come through to us and will show up in your payment plan.

What happens to my payments when I refund an order?

Your payments will be adjusted from the fourth payment backwards, this sounds scary and confusing but let’s break it down!

Full Refunds

If you have returned an order in its entirety and the full amount of the order is refunded, any upcoming payments will be cancelled out and any paid payments will be refunded back to the card you paid on.

Partial Refunds

Ok, this is where it gets a little more complicated, take a look at this example:

Payment schedule when the order was placed:

Order #123456 $100.00 Payment Status
First Payment $25.00 PAID
Second Payment $25.00 Due in 2 weeks
Third Payment $25.00 Due in 4 weeks
Fourth Payment $25.00 Due in 6 weeks

The order total was $100 & a refund of $80 was processed.

When the refund was processed by the merchant, the first payment (of $25) had been paid, however, the second, third & fourth were unpaid as they weren’t due yet.

Payment schedule when the refund was processed:

Order #123456 $100.00 Payment Status
First Payment $25.00

Adjusted to $20

Refund back to card $5

Second Payment $25.00 Cancelled
Third Payment $25.00 Cancelled
Fourth Payment $25.00 Cancelled

The first payment adjusted to $20, however, $25 had already been paid, so the difference (being $5) was refunded back to the card the payment was paid on.

Financial refunds can take up to 7 business days depending on your financial institution. If you have any questions you should follow up with them asap.

Why am I still being charged when I have returned the goods?

First things first – once you have returned your goods we need the merchant to accept the refund and let us know. They won’t refund Afterpay unless they are satisfied that the goods have been returned in a manner consistent with their returns and refunds policy. So we have to wait for this to happen before we can settle your account – otherwise Afterpay would be left carrying the cost of any disputed returns. 

We work with all our amazing merchant and service providers to try and make sure this process happens as quickly as possible – because that’s good for you. But we can’t control this and so we have to wait for our merchants to go through their proper process.

That means our agreement with you – your short instalment plan – has to continue until we get final confirmation of a return or refund from your merchant and our systems process your refund in the amount agreed between you and the merchant.

And if you need help resolving a returns dispute with a merchant because you’re unable to resolve the dispute directly with them, please get in touch with us here and let us know what’s happening.

Payments
Can I change the date a payment is due?

Great news! You can now change the due date of a payment yourself via our mobile app or website! It’s pretty straight forward.

Mobile App

  1. Navigate to the Orders tab in the Afterpay app
  2. Select the scheduled payment you would like to reschedule
  3. Select the menu in the top right corner of the app and choose Change Next Payment Date
  4. Indicate the date to which you’d like to reschedule your next payment and confirm

 

Web Portal

  1. Go to ‘Payment Schedule’
  2. Click ‘View Order’ on the payment/order you’d like to move
  3. Click ‘Change Next Payment Date’ (this button is next to the ‘make a payment’ option)
  4. Select your new date & click ‘Confirm Date’

 

Having Troubles?

Ok, so this doesn’t solve for every situation, if the option is not available you will see a message on screen like this “Uh oh! This payment date can’t be changed”

Reasons why:

  • We have some purchases that we are unable to move the move payment date for, if you try on one of those purchases you will see this error message.
  • You can only move one payment per order, if you need more help please send us a message via the mobile app
  • You will not be able to reschedule the first or last payments via this self-service feature, if you require help with this  please send us a message via the mobile app
  • If a payment is already overdue or due within the next 24 hours we cannot move the payment (neither our team or using the self-service feature), once we get within 24 hours of the due date it is too late to change the automation
  • Brand new customers (less than 42 days since your first purchase) will not be able to use this feature
  • If you are already under a hardship repayment arrangement with us you will not have this feature

Got feedback on how our product works?  Get in touch with us via your mobile app let us know what you think about the self-service ‘change next payment date’ feature.

Can I pay less than the full installment amount?

Yes you can!

 

Via the app:

1. Open the order

2. Tap ‘Make a Payment’ 

3. Tap ‘Or make a custom payment’

4. Enter the amount you’d like to pay

 

Via the Website:

1. Login to your account via  www.afterpay.com

2. Click on Payments Schedule

3. Click on view order

4. Click on the new button ‘Make a payment’ just under the order summary

5. A new screen opens up – you can key in the amount you wish to repay – this can be all or part of the instalment or the whole remaining order amount if you wish. The Payment Schedule will be adjusted to show what you have paid.

 

This is really handy if you have just been paid but couldn’t afford to pay both instalments in one go. So you can choose to pay more or less than the full instalment amount, giving you more flexibility. When the next due date comes along we will only collect whatever amount is still owing.

What happens if my card is lost / stolen or cancelled by the bank?
How do payments work?

WHICH CARDS DOES AFTERPAY ACCEPT?

We accept domestic Visa, Mastercard, and AMEX debit and credit cards, we do not accept cards issued from overseas banks or Interac cards. If you use your card with us you will still be subject to your card issuer’s terms and conditions including any applicable finance charges and fees that may apply. When you use your card you may not receive certain rewards, features and benefits that may be offered for example, additional points or cash back. For more information please contact your card issuer. 

HOW CAN I PAY?

There are two basic ways to pay with cards:

The most convenient is our automatic payments system.  Just go on online and enter the details of your preferred payment card under “Add a payment method” in the “Billings” section of “My Account”

When you have an instalment due, we will notify you beforehand so that way you can make sure that there is enough in your account for that instalment.  We do the rest.

Alternatively, you can always make payments on time or early by selecting the PAY NOW button in your account.  You can then enter your card details manually.  If you want to make this your preferred payment method, select “Store my card”, otherwise make sure to untick this option before logging out.

WHAT HAPPENS IF I CAN’T MAKE A PAYMENT

Afterpay is committed to making sure you stick to your Payment Schedule. 

That’s why we consider every purchase application before we approve that purchase, why we are always sending you reminders when a payment is almost due.

If you are facing financial hardship, we have hardship policy that allows us to work with you to get you back on track.

As soon as you miss a payment, we will immediately stop you from making any further purchases with Afterpay. This is because of our commitment to the high standards we set ourselves for responsible spending.

Does Afterpay have an automatic payment system?
What do I do if the automatic payment fails?
Difficulty paying on time or facing financial hardship?
Managing Orders
Why is my order being declined?
How much can I spend with Afterpay?
Non Receipt Of Goods
How many orders can I have with Afterpay?
Why haven't I received my goods yet?
Promotional Codes

Where can I add an Afterpay promo code for my order?

  • Great news! If you have a Afterpay Promo Code, it will be applied automatically to your next eligible order
  • If the you would like to also use a merchant promo code, you should enter the merchant promo code at the checkout page on merchant’s website. The Afterpay Promo Code will be applied automatically when you are completing the checkout. 

 

I have a merchant promo code, can I combine it with my Afterpay Promo Code?

The short answer is “Yes”. 

If you want to use a merchant promo code, you should input the merchant promo code at the checkout page on merchant’s website. And the Afterpay Promo Code (if any has been assigned to your account) will be applied when completing the check out with Afterpay. 

 

Why am I not seeing the promo discount on the merchant order details page?

The promo is provided by Afterpay to its customers directly, and is applied during the Afterpay checkout steps. Once the order is approved, you will see the original transaction and the discount on your order summary. 

 

How is the minimum order value limit checked for a promo code?

The minimum order value limit is checked against the order total sent from merchant (including sales tax, shipping fee, etc.). Any minimum spending amounts will be noted in the email you received from us. 

 

How will I be refunded if I cancel or return the whole order?

You will receive a refund of any payments made for the order. 

 

How will I be refunded if I cancel or return some of the items in the order?

A partial refund will be applied in the following order:

  • Unpaid payments
  • Actual payment amounts that have been charged on the payment method (will be refunded to your card/s)
  • The discount amount (will not be refunded to your card)

 

How many times can I use an Afterpay promo code assigned to my account?

Any promo code can only be used once. 

 

How many promo codes can I use in one single order

Only one Afterpay promo code can be applied to an order, but it can be combined with a promo code being offered by the merchant (if the order amount is eligible)

Klarna

4 interest-free payments

We’ve partnered with Klarna to give you a better shopping experience. Split the cost of your purchase into 4 interest-free payments, paid every 2 weeks. No interest. No catch. Just more time to pay for the things you love.

Here’s how it all works

Add item(s) to your cart and head to the checkout..

karna

Select Klarna at the checkout to pay as you like for your purchase.

Manage your orders and payments in the Klarna app

What you need to get started:

  • A US bank account
  • Be 18 years of age or older
  • A US residential address

faqs

(From klarna website)

1. What is Klarna?

Founded in Stockholm, Sweden, Klarna is one of Europe’s fastest-growing companies and a leading alternative payment provider. We have 3,500 employees across 17 countries, and are leading the way for alternative payments by serving 90 million consumers and 250,000 retailer’s payment solutions.

2. How does 'pay in 4 interest-free installment' work?

Split your purchase into 4 equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks beginning at the time your order is confirmed. No interest or added fees when you pay on time!

1st payment
Order confirmation

2nd payment
2 weeks later

3rd payment
4 weeks later

Final payment

6 weeks later

3. Having trouble paying for your order with Klarna?

If you have any trouble placing an order with Klarna, it could be due to one of the following reasons:

Klarna may have rejected your application to pay on account. We’d recommend choosing another type of payment or placing an order for a smaller amount. You may have outstanding payments on previous Klarna invoices.

You may have missed a required field at the checkout, such as filling in your Date of Birth.

You are using a pre-paid debit card.

4. What happens if I make a return?

If you need to return part or all of your order, Klarna will issue you with a new statement. Simply follow StoreS&H’s return instructions and make sure to take note of the tracking number. Log into your Klarna account, select “report a return”, and we’ll pause your statement. As soon as StoreS&H has processed your return, we will send an adjusted invoice.

5. There's something wrong with my order. Do I still need to pay for it?

You do not need to pay for goods that are received damaged, broken, or defective. Follow StoreS&H’s dispute instructions and “report a problem” in your Klarna account to pause your statement until the issue is resolved. As soon as StoreS&H has registered your return, the refund will be processed within 5-7 business days.

6. I have not received my order. What happens to my statement?

You do not need to pay the statement until you have received your order. Contact StoreS&H for a delivery update, log into your Klarna account, and “report a problem” to pause your statement until you’ve received your order.

7. My statement is incorrect. What should I do?

If your statement does not match your order details, please contact StoreS&H directly to correct your statement. Log into your Klarna account and “report a problem” to pause your statement until the details have been corrected.

8. What if I can’t pay my Klarna Installment?

A late payment fee will be charged of up to $7 per installment if funds are not available at the time the automatic payment is due. The fee will be charged if the missed payment is not made within 10 days.

Affirm

Split the cost using Affirm.

 

Why use Affirm?

No impact on credit score


Using a Pay in 4 Affirm payment plan won’t impact your credit score.

Quick and convenient checkout


Place your order quickly and easily by choosing Affirm as your payment choice at checkout. Simply enter a few details to get an instant decision. Then, complete your purchase.

Easy payments


Turn on AutoPay and Affirm will automatically charge payments from your chosen payment method, interest-free.*


* Only applicable for purchases within CAD $100 – $1000

How to pay with Affirm?

affirm app
Z

Shop :

Browse StoreS&H and add your favourite finds to your shopping cart.

Z

Select :

At checkout, choose Affrm as your payment method.

Z

Checkout :

Complete your purchase and pay over time in 4 equal payments. Subject to credit approval.

Z

Pay :

The remaining 3 payments are charged to your debit or credit card every two weeks.

Affirm.

Frequently Asked Questions.

Are there requirements to use Affirm?

Yes. You’ll need:

  • To be the legal age of majority in the province or territory in which you reside
  • To be a resident of Canada
  • A Canadian Visa, Mastercard, Amex, or Discover credit card, or a Visa or Mastercard debit card (with the Visa/Mastercard logo), which can be used for online transactions
  • An SMS-capable Canadian phone number
  • To meet the minimum cart size required to use Affirm as a payment option at checkout
How do I sign up?

If your basket is eligible for ’Pay in 4’ with Affirm, the option will be presented at checkout. After confirming your phone number, you’ll be sent an SMS message to confirm your identity. You’ll then set up your payment method with Affirm and accept the terms of your payment plan.

Does Affirm perform a credit check?

To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.

How do I make my payments?

At checkout, you can set up convenient, automatic pre-authorized payments that debited/charged your Canadian Visa/Mastercard debit/credit card.

Which payment methods are accepted?

Affirm currently accepts Visa and Mastercard credit or debit cards. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

To get more information, including details, terms, and conditions, visit the Affirm website. They also have a comprehensive list of frequently asked questions (FAQs) available on their website

Why pay by installments?

We believe what you buy is a long-term investment in comfort and health. As we spend so much of our lives seated, the earlier you improve your seating experience, the better off you’ll be in the long run. That’s why we’re giving you the option of stretching out your purchase of our chairs into easy payments.

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Subscribe to our mailing list and be the first to know about all the latest news, deals and product care tips!

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Subscribe to our mailing list and be the first to know about all the latest news, deals and product care tips!

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