FINANCE

Afterpay lets you shop now and pay later in four interest-free payments, made every two weeks. Your first payment may be due at the time of purchase, with the remaining payments automatically deducted from your chosen method.

To use it, download the Afterpay app, set up the Afterpay Card, and add it to your Apple or Google Wallet. When you're ready to pay, simply activate the card in the app and check out using Apple Pay or Google Pay.

Zip is a simple, interest-free payment option designed for those who want flexibility without the long-term commitment of credit cards. It’s especially popular among younger shoppers looking to avoid traditional credit or store finance options.

Zip offers two easy ways to pay:

• In-Store: Use the Zip website to find participating physical retailers and generate a voucher for the amount you’d like to spend. Present the voucher in-store to complete your purchase.

• Online: When shopping with participating retailers online, select Zip at checkout. You'll see your repayment breakdown before you confirm your order.

Zip provides a short-term, manageable alternative to traditional credit—without locking you into debt.

At Skin Medic, we offer Q MasterCard® as a convenient way for clients and patients to manage healthcare costs.

Fees:

• $50 Annual Account Fee

• $55 Establishment Fee for new Q MasterCard cardholders

• $35 Advance Fee for existing cardholders

Interest:

• A standard interest rate of 25.25% p.a. applies to any outstanding balance after a payment holiday or interest-free period ends.

• Lending criteria, fees, terms, and conditions apply. All rates and fees are current at the time of publication and are subject to change.

The MasterCard® brand mark is a registered trademark of MasterCard International Incorporated.