Pay With Afterpay at Beyond Smiles Dental
AFTERPAY
A Flexible Way to Pay Over Time
Beyond Smiles Dental offers Afterpay as a payment option for eligible patients, as determined by the clinic and Afterpay. Treatment costs can be divided into four equal instalments, paid fortnightly through the Afterpay app. Approval, spending limits, and terms are determined by Afterpay.
Disclaimer: Afterpay is available for eligible patients aged 18+. Late fees may apply if payments are missed. Patients remain responsible for the full cost of treatment. Approval is determined by Afterpay. See afterpay.com for full terms and conditions.
Options for Managing Your Dental Treatment Costs
Afterpay does not charge interest. However, late payment fees may apply as set out in Afterpay’s terms and conditions.
HOW AFTERPAY WORKS
How Afterpay Divides Your Dental Costs
First Payment on the Day
A quarter of the total treatment fee is paid on the day. Afterpay then deducts the remaining three instalments automatically every fortnight across six weeks using the linked debit or credit card.
Remaining Payments Fortnightly
The balance is divided into three equal fortnightly payments. These are processed automatically by Afterpay, so patients do not need to track repayment dates or manage follow-up invoices.
Clear Terms at the Start
Afterpay provides the full repayment schedule upfront. Fees may apply if payments are missed. Patients can request further details from the clinic if clarification is needed.
Eligible Dental Services
Afterpay may be available for some dental treatments, depending on clinic acceptance and Afterpay approval. Eligibility is confirmed before treatment begins, so patients understand how the arrangement works in advance.
ELIGIBILITY
Who Can Use Afterpay for Dental Treatments
1 Minimum Age Requirement
2 Valid Australian Debit or Credit Card
3 Approval Determined by Afterpay
4 Account Setup Before Treatment
Patients must complete registration with Afterpay before their appointment. This activates the account for use. The clinic can provide information on the steps involved, but all approvals are determined by Afterpay.
USEFUL INFORMATION
Frequently Asked Questions About Afterpay
What is Afterpay, and how does it work for dental care?
Afterpay is a third-party payment platform. Patients who meet Afterpay’s criteria may use it to pay for specific dental treatments in four instalments. Beyond Smiles Dental does not influence approval decisions.
The first payment is made on the day of treatment, and the remaining three payments are automatically deducted from the linked debit or credit card every two weeks.
To use Afterpay, you must be at least 18 years old, have a valid Australian debit or credit card, and create an Afterpay account. Approval is determined solely by Afterpay and is based on factors such as account history, available balance, and spending limits. It is not a credit card or a loan, and approval is not guaranteed.
Patients considering Afterpay should review the provider’s terms and conditions before deciding. Beyond Smiles Dental can provide general information about the process, but all approvals are managed by Afterpay.
Can I use Afterpay for all treatments?
Afterpay may be available for dental treatments, but there are a few important factors to consider before arranging it for your appointment.
- Afterpay may apply to some services, including general check-ups, preventive care, and certain cosmetic procedures, where eligible.
- It is not accepted for every dental treatment. Suitability depends on the type of procedure, the overall cost of treatment, and the payment schedule required.
- Approval is determined entirely by Afterpay. Patients must meet their eligibility requirements. Account history, spending limits and available balance influence approval.
- The clinic can advise if a treatment is eligible to be arranged with Afterpay, but final approval is always managed through Afterpay’s process.
How do I set up an Afterpay account?
To use Afterpay for dental treatment, you’ll first need to create an Afterpay account. The process generally includes the following steps:
- Visit Afterpay’s website or download their app:
You can start by going to afterpay.com.au or downloading the mobile app from your device’s app store. - Register your details:
Provide your full name, date of birth, email address, mobile number, and residential address. Applicants must be at least 18 years old and live in Australia. - Link an Australian debit or credit card:
Add a valid Visa or Mastercard that will be used for automatic instalments. Prepaid or international cards are not accepted. - Complete Afterpay’s account checks:
Afterpay may request for identity verification and assess eligibility using its criteria, such as repayment history, balance, and spending limits.
Approval and use of Afterpay are subject to Afterpay’s terms and conditions. The clinic can provide general information, but all account decisions are made by Afterpay.
Is a credit check required to use Afterpay?
Afterpay manages its eligibility checks, and using it does not usually affect your credit score. The following points outline the process:
- When you register with Afterpay, a standard credit check is not carried out.
- Using Afterpay for dental payments generally does not impact your credit score.
- Approval is determined by Afterpay based on criteria such as spending history, repayment patterns, and the value of the intended purchase.
- If a scheduled payment is missed, Afterpay may apply fees or limit further use of the service.
- All conditions are set by Afterpay and are outlined in their terms and user agreement.
- The clinic can provide general information, but all approval decisions are managed by Afterpay.
Do I need to pay anything on the day of my appointment?
Yes, an initial payment is required when using Afterpay. The process works as follows:
- You will pay 25% of the cost of treatment on the day of the appointment using your linked debit or credit card. This amount is processed through your approved Afterpay account.
- The balance is divided into three equal payments. These are automatically deducted by Afterpay every two weeks, without the need for further action.
- Afterpay manages all account approvals, charges, and repayment schedules. The dental clinic cannot adjust or intervene in any part of your Afterpay account.
- Before your appointment, a treatment estimate will be provided showing the full cost of care and the amount payable on the day using Afterpay.
- Patients must have an active Afterpay account before the appointment. Eligibility is determined by Afterpay’s criteria, and approval is required before this payment option can be applied.
How often are Afterpay payments deducted?
Afterpay payments are deducted every two weeks. The first payment is made on the day of your appointment, and the remaining three instalments are automatically charged fortnightly to the debit or credit card linked to your Afterpay account.
This schedule continues until the full balance is repaid over six weeks in total. Afterpay provides reminders before each scheduled deduction, and patients can view their payment dates at any time through the Afterpay app or online account.
What happens if I miss a payment?
If a scheduled Afterpay instalment is missed, Afterpay may apply a late fee and suspend your ability to make new transactions until the overdue amount is cleared. The missed payment may also be retried after a short period, depending on Afterpay’s policy.
Repeated missed payments can affect your eligibility to use Afterpay in the future. These decisions are managed entirely by Afterpay and are not influenced by the dental clinic.
To reduce the risk of missed payments, it’s important to check that your linked card has sufficient funds on the due date. Payment schedule, due dates, and any fees can be viewed directly in the Afterpay mobile app or through the online account.
For the most accurate details, please review Afterpay’s official terms and conditions.
Is there a minimum or maximum spend to use Afterpay?
Yes. Afterpay applies both minimum and maximum spending limits. These limits may change depending on account history and the transaction. Spending thresholds are set by Afterpay and not by the dental clinic.
- A minimum spend may apply in some cases.
Afterpay does not set a universal minimum spend, but some businesses may require a minimum amount before processing a transaction through Afterpay. - Spending limits vary between users.
Afterpay reviews transactions using factors such as repayment history, account activity, and internal approval criteria. - New users often begin with lower limits.
When starting with Afterpay, initial spending limits may be smaller until repayment behaviour is established. - Limits may increase with time.
Afterpay may allow higher spending limits based on responsible repayment history, although increases are not automatic. - Check your limit in the app.
Current spending capacity and upcoming instalments can be viewed by logging into the Afterpay app or your online account.
Can I use Afterpay in conjunction with other payment options?
Afterpay must generally be used to cover the full eligible cost of a treatment in a single transaction. In limited cases, another payment method may be used for services not included in the Afterpay plan.
- Full transaction required:
Afterpay cannot normally be split with another payment method at checkout; it must be applied to the full eligible amount. - Private health claims processed separately:
If part of your treatment is claimed through a health fund, that claim is processed before the Afterpay transaction is completed. - Partially ineligible items allowed:
If some services aren’t eligible for Afterpay, those can be paid separately using another method, like EFTPOS or a credit card. - Confirm before treatment:
The clinic can provide information in advance about which services can be arranged with Afterpay and how other options may be used alongside it.
How will I know if I’m approved to use Afterpay?
Afterpay lets you know immediately if your transaction is approved. Here’s a brief explanation of how approval works and what factors might affect it.
- Approval is determined by Afterpay and depends on your account status, repayment history, and the treatment cost being paid.
- Each request is reviewed separately. Approval may vary, even if you have used Afterpay before for similar dental services.
- The dental practice has no role in Afterpay’s decision-making, as approvals are managed entirely by Afterpay.
- You can view your spending limit and account balance at any time using the Afterpay app or website before your appointment.
Are there any extra fees or interest charges?
Afterpay does not charge interest, although missed payments may result in additional fees. The following points explain how charges are applied:
- Afterpay charges no interest. Payments are made in four equal instalments over six weeks and are automatically processed through your linked debit or credit card.
- If a scheduled payment fails, Afterpay may charge a late fee. Fees are capped at 25% of the purchase price or $68, whichever is less.
- Extra costs are not added unless an instalment is missed and a late fee is applied under Afterpay’s current terms.
- All charges are set and managed by Afterpay. The dental clinic cannot influence or adjust these amounts.
Can I use Afterpay if I’ve used it before elsewhere?
You can still use Afterpay again at our clinic, even if you’ve previously used it elsewhere. Approval depends on your account and Afterpay’s criteria.
- Patients can use Afterpay for dental treatment, even if they have already used it for purchases at other businesses or healthcare providers.
- Each payment request is assessed separately based on your available funds, recent payment activity, account standing, and Afterpay’s internal review at the time.
- Past approvals don’t determine future approval. All new payments must meet Afterpay’s conditions, regardless of the amount or where you’ve used it before.
- The clinic cannot change Afterpay’s decision. Log in to the Afterpay app or website to confirm your balance and approval status before your appointment.
Disclaimer: Afterpay is available for eligible patients aged 18+. Patients remain responsible for the full cost of treatment. Approval and spending limits are determined by Afterpay. For full terms and conditions, visit afterpay.com.
