Question 1

How does Afterpay work?

Accepted Answer

Choose Afterpay as your payment method at checkout. If you're new to Afterpay, you create an account and get an approval decision. If you already have one, you log in. Afterpay splits your purchase into 4 interest-free payments, payable approx. every 2 weeks: the first payment is made upfront and the rest are paid over time. Afterpay sends payment reminders, and late fees may apply. Afterpay doesn't approve every order. It looks at things like whether your card has enough funds for the first payment, your payment history, the amount you currently owe and the order value. See Afterpay's How does Afterpay work? and the Afterpay Installment Agreement.

Question 2

How does Affirm work?

Accepted Answer

Choose Affirm - Pay Over Time at checkout and sign up or log in with a few pieces of information. Affirm says checking for personalized plans won't affect your credit. If you're approved, Affirm shows you the plans available for your purchase. Options depend on your purchase size and where you're shopping, and you'll see any interest up front before you choose a plan and confirm. Affirm says it doesn't charge late fees, prepayment fees, annual fees, or fees to open or close your account. A down payment may be required. You make payments in the Affirm app or at affirm.com. See Affirm's How Affirm works and affirm.com/terms.

Question 3

How do I choose Afterpay or Affirm at checkout?

Accepted Answer

Add your shoes to the cart and tap Check out. Enter your shipping details, then under Payment choose Afterpay or Affirm - Pay Over Time. You'll be sent to the provider to log in or sign up and get a decision, and then you'll come back to finish your order. If you'd rather not use either one, you can pay by card, Cash App Pay or Google Pay (Apple Pay on supported Apple devices).

Question 4

Who is eligible?

Accepted Answer

Afterpay: you must be at least 18, live in one of the 50 U.S. states or the District of Columbia (not U.S. territories), be able to enter into a legally binding contract, have a valid email address and mobile number and a valid U.S. delivery address, and be authorized to use the U.S.-issued credit card, debit card or bank checking account you pay with (Who can use Afterpay?). Affirm: you must be a U.S. resident (including U.S. territories) and at least 18 (19 if you're a ward of the state in Nebraska or Alabama, 21 in Puerto Rico), have a Social Security number, and own a phone number that receives SMS and is registered to the U.S. or a U.S. territory. Affirm also considers factors such as your credit history and payment history with Affirm (Loan application process). Each provider makes its own approval decision. Don't Panic Shoes doesn't make lending decisions.

Question 5

How do returns and refunds work if I paid with Afterpay?

Accepted Answer

Start your return under our refund policy. Afterpay asks you to tell it about the return too: in the Afterpay app, go to Orders, select the order, and choose Return order. Afterpay will move your next payment to a later date while we process your return. Once we confirm the return and process your refund, Afterpay adjusts or cancels your remaining payments, starting with your final payment. If Afterpay owes you money back, it refunds the card or cards you paid with, which can take up to 10 business days depending on your bank. See How do refunds and returns work at Afterpay?

Question 6

How do returns and refunds work if I paid with Affirm?

Accepted Answer

Start your return with us under our refund policy. Affirm can't cancel your plan or refund your order until it gets confirmation from the store, and until your refund is applied, upcoming payments are still due. When Affirm receives the refund, it applies the full amount to your payment plan, minus any interest you've paid, starting with the final payments. Any amount left over goes back to your payment method, usually within 3–10 business days. Affirm notes that if you get store credit instead of a refund, you're still responsible for your Affirm payments, and if a store charges restocking or return fees, you're responsible for any remaining balance on your loan. See Affirm's Returns and cancellations and How refunds work.

Question 7

Do exchanges or restocking fees change my payment plan?

Accepted Answer

Exchanges and store credit don't send money back to Afterpay or Affirm, so your plan keeps going as scheduled. Under our refund policy, a 30% restocking fee applies to eligible delivered items returned for a refund. It doesn't apply to exchanges, store credit, or damaged, defective or incorrect items. Only the amount we actually refund goes back to the provider, which then adjusts your plan under its terms.

Question 8

Who do I contact?

Accepted Answer

For your order, a return or an exchange, contact us at support@dontpanicshoes.com or (929) 244-3681. For your Afterpay payments or account, chat in the Afterpay app (My Afterpay > Support, 24/7) or call Afterpay at (833) 844-8095, daily 8:00 AM–9:30 PM ET (Contact Afterpay Support). For your Affirm payments or account, call Affirm at 855-423-3729, 8:00 AM–11:00 PM ET seven days a week, or use the Affirm Help Center.

Pay Over Time

How to choose it at checkout

Afterpay

Affirm

Frequently asked questions