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Afterpay
Afterpay offers simple, flexible instalment plans for online shoppers. Customers can choose how and when they pay for an order. Afterpay is a payment method that you can offer to your customers. For more details, check out the Afterpay website for retail guides. Afterpay is only available for online webstore purchases, it cannot be used for in store Point of Sale, eBay, Amazon, or orders created through the control panel.
One of the other great benefits is having your site published on Afterpay's shopping directory which helps boost traffic to your webstore.
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In your Maropost Commerce control panel navigate to Settings & Tools > Payment Methods.
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Scroll down to Afterpay and click the Complete Setup or Configure button.
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A popup window will ask you if you want a new Afterpay account, or if you're an existing Afterpay customer. Select the appropriate option, and click continue.
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If you plan to create a new account, it must go through an approval process. Upon acceptance to the Afterpay program, they will send you the Merchant ID and Afterpay Secret (or key) by email. If you're using an existing account, skip to step 7.
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Once you have this information, navigate back to Settings & Tools > Payment Methods.
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Scroll down to Afterpay and click the Configure button.
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Under configuration, change the environment to Live and enter your Merchant ID and Afterpay Secret.
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Ensure the Type drop down menu is set to Pay Over Time.
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You will be unable to set a Min and Max Spend as it's tied to your contract with Afterpay (this option will not appear in checkout if the order amount exceeds the max spend).
Please Note: Afterpay does not allow it’s merchants to charge a surcharge for it’s service.
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Click Save.
Customers can now pay for their orders using Afterpay.
Tip: Once Afterpay is setup you can add your referral key to activate the webstore widgets by following the steps
here. This requires a Public Key from Afterpay. Reach out to your Afterpay account manager if you have any questions.
Zip Pay and Zip Money
Zip Pay and Zip Money are premium buy now, pay later, interest free solutions available on Maropost Commerce. Zip allows customers to buy products instantly and pay for life’s larger purchases over time.
Please Note: The Zip Pay and Zip Money setup steps have moved, and can now be found on the
Zip Money website. You need the
Private Key (webstore) value to set up Zip in Maropost.
Zip Money for the Customer
- Sign up usually takes 3 minutes and involves a credit check on the customer.
- Credit limits vary up to $20,000 depending on the customer’s credit history and the limits offered by the merchant.
- Interest free periods are set and negotiated with zip by the merchant, for example: 3, 6, 9, 12 months interest free.
- Designed for larger, more thought out and planned lifestyle purchases.
Zip Money for the Merchant
- Merchant must have turned over at minimum $500,000 in the last financial year and have been trading for a minimum of 12 months to be approved.
- Credit limits that you can offer your customers are based off turnover.
- Interest free periods vary the percentage of the merchant fee rate - for example 3 months interest free at 3%, 6 months interest free at 5% and 9 months at 7% etc.
- Same business day 4pm settlement (the day the order is marked as complete/sent).
Zip Pay for the Customer
- $1000 digital wallet to use on one or multiple orders with either one or multiple businesses
- Sign up is in real-time usually taking no longer than 45 seconds
- No interest ever.
- Only $40 minimum monthly repayments.
- First 60 days no fees
- If you have an outstanding balance after the first 60 days, there is an account maintenance fee of $6 per month (for example: if a customer used a full 14 months to pay back their order they would only attract $72 in fees at most).
Designed for smaller, discretionary purchases on the go under $1000 however customers can make a co-payment for any item priced over $1000. For example: for $1300 a customer could use $1000 from their Zip Pay digital wallet and $300 via debit card applied through the Maropost Commerce control panel.
Zip Pay for the Merchant
- No lock in contract
- Zip Pay take 4% of the total transaction value. (For example: if a customer made a $100 purchase through your business, we would take $4.15).
- Funds are settled at 4pm daily to the merchant’s bank account (the day the order is marked as complete/sent).
Paypal
Features of PayPal Pay in 4
For Merchants
| Eligibility |
- All merchants except those in restricted categories
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| Integration |
- Included in the latest version of PayPal Checkout Javascript software development kit, or integrated through a partner platform with messaging enabled
- No opt-in required - available in PayPal Wallet
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| Merchant Fee |
- No additional fees - included in existing PayPal pricing
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| Transactions |
- Domestic and cross-border - in all currencies
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| Seller Protection |
- Yes, on eligible purchases
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| Risk |
- Transparent pricing and no additional credit risk to merchants
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For Consumers
| Offer |
- 4 interest-free payments over 6 weeks, first instalment due at purchase
- Transactions from AUD $30 to $2,000
- Access via PayPal Checkout button or PayPal Pay in 4 button
- Payments set up automatically at time of purchase
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| Eligibility |
- New and existing PayPal AU member accounts
- Consumer/Premier accounts only
- AU residents only
- Transaction type and credit assessment
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| Interest and Fees |
- No setup, account or late fees
- No interest - 0% APR
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| Repayment Options |
- Debit card, credit card, bank account
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| Buyer Protection |
- Yes, on eligible purchases with refunded returns
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Enable the Pay in 4 Payment Method
By default, the Pay in 4 setting is toggled on when you enable the PayPal payment method. However, you can control this by toggling on/off the setting as required.
When the Pay in 4 feature is enabled, the PayPal "Pay in 4" ("Pay Later" for US merchants) button is displayed on the checkout when PayPal is selected (the payment method name will also be updated). Dynamic messages will also be displayed, clearly showing the customer the repayment amounts for products they're browsing or purchasing on your website, so they know what to expect.
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In your Maropost control panel, go to SETTINGS & TOOLS > Payment Methods.
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In the PayPal section, click the Configure button.
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In the Configuration section, click the Enable Pay in 4 toggle to enable the option.
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Save the payment method by clicking the Save button in the bottom right.
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Follow the steps below to install the PayPal Pay in 4 Widgets to display dynamic messaging
Retrieve your PayPal Client ID
Your PayPal client ID is required for your web store to display Pay in 4 dynamic messages e.g. fortnightly payment amounts. To retrieve your client ID:
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Log in to the PayPal Developer Dashboard with your PayPal username and password.
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Under the Dashboard menu, select My Apps & Credentials.
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Select the Live tab.
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Copy your Client ID, you’ll add it to your Maropost control panel in the next section.
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