What is Postpay?
Postpay is a payment solution that allows you to split your purchase amount into instalments with absolutely zero interest and no fees!
How do I buy now and pay later with Postpay?
Select Postpay on checkout and your total purchase will be split into 3 equal instalments. The first instalment is processed immediately and we deliver your order as normal, so you can enjoy now and pay later.
The remaining instalments are collected automatically on your debit/credit card thereafter. Absolutely no interest and zero fees are charged as-long-as all repayments are processed successfully on time.
Who can use Postpay?
To use Postpay, you must be over 18 years old and have a valid Emirates ID Card and UAE mobile number.
How do I sign up to Postpay?
Select Postpay on checkout and they sign you instantly as you checkout!
How much can I spend?
With Elivana you can Postpay up to AED 4200.
Is there any interest charged or fees for using Postpay?
There is absolutely no interest and zero fees when using Postpay.
Is there a late fee if I don’t repay on time?
Postpay does their best to give you the benefit of the doubt and they will process the payment at the latest hour on the agreed date. However, if Postpay cannot process the payment due to insufficient funds then late fees will apply as indicated in their terms (https://postpay.io/terms)
What payment methods does Postpay accept?
Postpay accepts all major debit and credit cards (i.e. Mastercard, Visa). Please note that Postpay does not accept any prepaid cards.
Will this impact my credit score?
Postpay performs a soft credit check to understand the repayment capability of each customer, this in turn has no impact on your credit rating.
What happens if I get into a situation where I am unable to make repayments?
If you do find yourself in this situation then please reach out to Postpay support team and one of their dedicated responsible spending advisors will look into the options they have available.
Can I buy multiple items in one order and pay later?
In short, yes of course! As-long-as the total amount on checkout does not exceed the limit.
What happens if I need to return one or a portion of the items from a checkout of multiple items?
We call this a partial refund. Once you return the items we will issue you a partial payment refund and Postpay will automatically update the instalment plan by deducting the refunded amount from the last instalment in reverse. If the refund amount exceeds the total due, then Postpay will refund you the outstanding balance to the payment method linked to that instalment. Otherwise, your upcoming payments will continue to be collected until the remaining balance is paid off. You can see all relevant details (per instalment) on the customer dashboard (https://dashboard.postpay.io/) in the purchases section.
What happens if I need to return all the items in an instalment?
We call this a full refund. Once you return the items we will issue you a full payment refund and Postpay will refund you all the instalments you have already paid and cancel all upcoming payments. You can see all relevant details of full refunds on the customer dashboard (https://dashboard.postpay.io/) in the purchases section in the canceled tab.
Why did Postpay just charge me twice for the same amount?
During the approval process Postpay performs authorizations on the debit/credit card you have entered. Some banks reflect this pre-authorization as a notification but please note that this amount is not captured. If you have any doubts please contact our support team (support@postpay.io)
Is Postpay secure?
Your security is of utmost importance - Postpay is a PCI DSS compliant company which means that they undergo strict compliance tests from the the Payment Card Industry (PCI) to ensure that your data is safely stored in our systems. Please visit Postpay's PCI DSS page (https://postpay.io/pci-dss) to learn more.
Why was I declined by Postpay, what do I do next?
Postpay aims to provide the maximum of eligible customers their service, that being mentioned they do perform real-time credit risk assessments and fraud checks throughout the process. If you are not approved, then there a few things to consider:
- Do you have sufficient funds to pay for the first immediate instalment?
- How many ongoing instalments do you have with Postpay?
Please contact support@postpay.io for any further support.
