Afterpay Touch Group has millions of global customers and tens of thousands of merchant partners now using the platform globally across Australia, the US, Canada, UK (where it is called Clearpay), and New Zealand. Afterpay Touch Group’s business model is completely free for customers who pay on time – helping people spend responsibly without incurring interest, fees, or extended debt. Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay Touch Group is deeply committed to delivering positive outcomes for customers. The majority of Afterpay’s income is derived from merchants, rather than customers. If a customer misses a payment, they won’t be able to use Afterpay until the payments are up-to-date. Late payment fees are charged but are fixed, capped, and do not accumulate over time. Customers are never entrapped in revolving debt and never incur interest. We are focused on supporting our community of shoppers.