AfterPay Consumer Terms & Conditions
I. AfterPay - Invoice Options
Together with the merchant, AfterPay (Arvato Payment Solutions GmbH, Gütersloher Str. 123, DE-33415 Verl)
offers you to complete
purchase AfterPay Invoice Options. To be able to pay with AfterPay you have to be at least 18 years old. At the
of purchase, AfterPay carries out risk and fraud checks. If you are not able to pay by invoice, you may choose
payment option available in the checkout.
What does that mean to you?
- You first receive the goods and pay afterwards
- You do not need to provide any account details in the checkout
- You have 14 or more days to pay. You simply transfer the open amount to AfterPay
If you choose to pay by using AfterPay open invoice, AfterPay takes over the entire processing of your invoice
We already inform you here that we transfer the claim arising from your purchase to AfterPay. Therefore you will
an invoice from AfterPay for your purchases by e-mail and your payment has to be made to an account of AfterPay.
The purchase on open invoice, we offer you along with AfterPay free of charge.
AfterPays 14 day invoice grants you from receipt of the goods 14 days to pay your order. If you do not pay the
these 14 days, you will be in default of payment.
If your payment is over due, all claims are immediately due for payment. Furthermore, we or our partner are
entitled to charge
you the default interest in the statutory amount, for the second and each further reminder a reminder fee in the
of EUR 2.50, whereby the proof is permitted that us or our partner has suffered a significantly lower damage. We
partner reserve the right to prove that the processing of the respective reminder or handover to a collection
has caused greater damage. In case of an overdue payment, you undertake to reimburse all costs and expenses. The
of debt recovery include, without prejudice to a procedural cost compensation, also all out of court costs of a
collection agency and a lawyer.
Complaints regarding the processing of payments can be made in written form by mail under the subject
"Beschwerden" to Arvato
Payment Solutions GmbH, Gütersloher Str. 123, D-33415 Verl.
You also have the right to lodge a complaint with the arbitration board of the Deutsche Bundesbank. The
complaint is to be
Postfach 11 12 32
60047 Frankfurt a. M.
The complaint shall be made in written form, including a brief summary of the facts and accompanied by the
for the complaint to be processes. For more details, please refer to the complaint regulations published on the
of the Deutsche Bundesbank.
III. Personal data
The protection of your privacy is of the utmost importance to us. AfterPay processes personal data in order to
identity, assess on which payment option to offer you, administrate the customer relationship, to prevent abuse
of AfterPay, to conduct customer and risk analysis and risk management, for the prevention of money laundering,
comply with general legal requirements. Personal data is information that can be directly or indirectly linked
Below are examples of personal data that AfterPay may process:
- Contact information – name, address, date of birth, Social security number. email address, telephone number,
- Payment information – invoice information, bank account number etc.
- Financial information – your income, potential credit commitments, negative payment history
- Information on goods/services – details about the items you purchase
- Historical information – your purchase, payment and credit acceptance history
We reuse the data you previously provided to us and we may share your information with credit reference
agencies and providers
of identity lookups and anti-money laundering screening companies for the purpose of assessing your credit score
risk assessment upon applying for one of our payment methods, and for confirming your identity and address
If you have used AfterPay´s services previously, there might be information stored about you, e.g. for customer
documentation requirements or similar approved purposes. Where available AfterPay will use such information to
your identity and simplify your use of AfterPay. AfterPay may use electronic communication (through for example
messages and e-mail) in contacts with you. You are entitled to request access to data, edit incorrect data
you or inform us that you no longer wish to have your personal data stored. The request shall be sent to
Data may also be provided to the merchant from which you made your purchase (for administrative purposes) and
and other governing bodies if AfterPay is legally required to do so. AfterPay may also share your personal data
other companies within the Arvato Financial Solutions group. AfterPay is the data controller for the processing
personal data. Please see AfterPay´s Privacy Statement for AfterPay´s full description of AfterPay´s processing of
only to obtain
information on the use of AfterPay’s websites. This makes it possible to recognize your computer automatically
time you view AfterPay’s websites. However, cookies contain no personal data, so the protection of your private
is ensured. Depending on your settings, your Internet browser may automatically accept cookies. However, you may
change your browser settings at any time and use AfterPay’s websites without cookies, the usability of those