Mum shocked when teen daughter came home with an expensive designer bag, without using any money.

She told A Current Affair “How is it that my 15-year-old daughter was able to walk in and buy a $250 handbag when she doesn’t have the money?”

Naomi told me it was child’s play.

“It took like 30 seconds; they didn’t ask for any verification.”

It’s a potentially dangerous flaw in the buy now, pay later payment service that currently has 1.8 million customers.

People under 18 are not supposed to use Afterpay but Ownership Matters got a 16-year-old to set up an account and order alcohol, to be delivered to their office and it worked.

Although in this case an adult did signed for the goods.

Dean says “Kids call it afterparty, because it’s so easy to organise what they want for parties”.

You can quickly create an account using your existing debit or credit card.

Afterpay splits your payments over four equal instalments due every fortnight. Nominate the card you want to use and automatic payments are scheduled for you. You must be 18 or older to create an account.

Afterpay say “customers should only ever spend what they can afford to pay back. To make sure of this, we take time to get to know our customers before enabling them to spend more. Afterpay sets sensible initial spending limits that increase to a maximum of $1,500 over time. We assess every order request using our proprietary real-time Repayment Capability Check to determine spending capacity and a customer’s ability to repay on time.”

Such a trap to fall into to at a young age. Read Afterpay’s commitment to responsible spending here.

I must admit I love Afterpay, but I use it wisely and stick to payments on due time.

Are you an Afterpay fan?

Share your comments below.

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  • This is crazy that it is so easy. I can see it would definately be a problem for teenagers!


  • I didn’t realise it was so easy to set up an afterpay. It’s not just teens that are getting themselves into trouble with afterpay tho, lots of grown ups lose it too. It’s an easy way to pay for things, but if you over stretch your funds, you’ll still be in debt


  • I’m not a big fan of afterpay for various reasons. It’s a good way to get into debt.


  • Yes i have used afterpay and i have no problems with it. Hoping to be using afterpay again very soon


  • No l haven’y used it and probably will not in the future.


  • I’m an online shopper and have not used after-pay yet. I understand it’s similar to layby the only difference is you get the items now. But is it not just like a credit card at the end of the day?
    I can see how people are falling into a trap.


  • I’ve used after pay to buy a car seat. I could have just as easily used my credit card but I liked the idea of interest free split over 4 fortnights. It’s concerning teens can get access to credit though without financial checks as with mobile phones the costs can blow out beyond their means.


  • I don’t buy things unless I have the money available – even if I use credit cards for convenience.


  • With the exception of my house I don’t buy things unless I can pay for them on the spot. If they let kids do it then they should have to cop the losses when the kids can’t pay.


  • I’ve heard about it but never used it. I don’t like to pay things with credit. If I don’t have money to buy something, I just don’t buy it. Except an house, that’s it. :-)


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