Frequently Asked Questions

About Play

PLAY is a new travel service that Afterpay is trialling in response to customer feedback. The curated experiences have been designed for Afterpay customers and will be offered by LayAway Travel Australia.

It’s a collaboration between Afterpay and LayAway Travel, who has an established travel business and pay-by-instalment model.

PLAY is based on LayAway Travel’s existing model, but it’s a new, separate service offering different packages tailored to Afterpay’s customer base.

PLAY helps travellers to book and pay for an amazing travel experience over a series of interest-free instalments prior to their departure date.

Afterpay is trialling an exciting new travel vertical ‘PLAY’ operated by LayAway Travel. We will learn from customer feedback and look at how the platform evolves in the future.

PLAY is a collaboration between Afterpay and LayAway Travel, an accredited Australian travel provider.

LayAway Travel is an award-winning, licenced travel agency with the Australian Federation of Travel Agents (AFTA) and an Australian Travel Accreditation Scheme (ATAS) accreditation holder that has been offering pay-by-instalment travel services since 2015.

Afterpay customers told us they wanted an instalment option to pay for a holiday, so we’re trialling a brand new service to see if it’s what people had in mind.

Because a holiday is very different to the usual products we offer, we’ve found a new partner – LayAway Travel – to collaborate with, and change up our payment model.

This means still paying in instalments, but reversing our traditional model so that people pay the instalments before they go not when they come back.

LayAway Travel has an established travel product and payment model so we’re offering it to Afterpay customers to see if it works for them and for our business.

PLAY's mission is to create high quality, well thought-out packages to give people experiences they’ve never had before, but allows them to manage payment in a way that is responsible.

PLAY is a collaboration with LayAway Travel. It is a separate entity to Afterpay and is owned by LayAway Travel.

PLAY builds upon LayAway Travel’s established travel product and payment model, but it’s a new service offering different packages tailored to Afterpay’s customer base (and being made available to Afterpay customers).

PLAY’s payment model is different to Afterpay’s because holidays are very different to the products Afterpay usually offers.

For one, their values are higher, which means instalment periods need to be longer and more flexible.

PLAY enables customers to spread the cost of their holiday across instalments and pay in full prior to their departure date. This is a reverse of the traditional Afterpay approach and sees you pay before you go, not when you come back. It’s effectively layby in the traditional sense.

This means that, in line with a traditional layby model, no funds are advanced to customers, and all payments made by PLAY to providers on a customer’s behalf come from funds contributed via instalments by the customer themselves.

PLAY payments can be made weekly or fortnightly over 2-to 12-months. Afterpay repayments are fortnightly over 6- to 8-weeks.

PLAY holiday packages range in price, but because of their nature some are over $2,000.

Like Afterpay, you can make early payments manually via your PLAY account.

Another key difference is that holidays are made up of different parts – tickets plus accommodation plus experiences – they aren’t just a single item to be purchased.

This means that things like pricing, administration costs and refunds need to be different to Afterpay’s existing model and more in line with the travel industry.

PLAY builds upon LayAway Travel’s established travel product and payment model, but it’s a new, separate service offering different packages tailored to Afterpay’s customer base (and being made available to Afterpay customers).

There is no cross over between existing LayAway Travel customers and new PLAY customers.

Yes. PLAY is a subsidiary of LayAway Travel, a licenced travel agency with the Australian Federation of Travel Agents (AFTA) and an Australian Travel Accreditation Scheme (ATAS) accreditation holder.

How Play Works

PLAY adopts a traditional layby model in that customers are able to pick and book a curated holiday package and pay for it in full in weekly or fortnightly payments over a 2- to 12-month period before they travel.

LayAway Travel, through PLAY, makes all travel, accommodation and other related bookings and payments on the customer’s behalf, using the funds already contributed by customers via their instalments towards their trip.

PLAY also includes complimentary Pre-Trip Cancellation Insurance with every holiday package.

LayAway Travel, through PLAY, curates a number of unique, high quality and high value travel experiences to cater for different travel tastes and budgets across relaxation, wellness, adventure, culture and party categories.

These are for 1 to 2 people, and in some instances, families.

The packages advertised on the PLAY website are generally available for 2- to 3-weeks subject to seasonality, availability and different interests.

Inclusions associated with the various packages are detailed on the website.

If additional people want to travel, separate bookings need to be made.

To some extent, set packages can be personalised during the booking process, depending on your specifications and budget.

This includes different accommodation options, different flight options, and different extras.

Payments can be made over a 2- to 12- month period from your booking date to your travel date. This means the closest you can book to a departure date is 3 months in advance.

Payments can be made weekly or fortnightly. The frequency of these payments and the day on which they are made can be updated 48 hours in advance of the next payment due date.

Manual payments can be made at any time via the ‘Top Up’ payment option in your PLAY account. You can also pay more than your set weekly or fortnightly instalments at any time via the "Top Up" payment option. Remaining instalments will be reduced based on how much extra you have paid, with corresponding reductions in the overall amount owing.

Payment for the package must be made in full 1 month prior to departure date unless otherwise specified.

You cannot combine instalments if purchasing multiple packages - each purchase will have its own separate instalment plan (and instalment frequency as determined by you).

  • Visit PLAY’s website, www.pickpayplay.com.
  • Browse the holiday packages available at any given time.
  • Set up a PLAY account, including linking it to a valid Australian-issued credit or debit card – you cannot use your Afterpay account to access PLAY (you will need to set up a separate PLAY account)
  • Amex, Visa and Mastercard are available.
  • Select the package you want and personalise that package (how many travellers, what inclusions do you want).
  • PLAY will calculate your total package cost and the instalment payment breakdown (by weekly and fortnightly frequency).
  • Select the payment period and frequency you want (either weekly or fortnightly).
  • PLAY will tell you your regular instalments amount based on your booking selections.
  • Confirm your booking and make your first payment (this is required at the time of booking).
  • You can log in to your account at any time to see your booking summary, when payments are due, what balance is outstanding, and key cancellation dates and details.
  • PLAY will always communicate with you via SMS and through your PLAY account to let you know in advance that an instalment is due.
  • Your instalments enable you to pay for the holiday in full 1 month prior to your departure, unless otherwise specified.
  • Travel documents and other redemption instructions will be provided within 2 weeks prior to your travel date.

You do not have to be an existing Afterpay customer to use PLAY, but it has been created based on feedback from Afterpay customers.

PLAY is available to people who are 18 or over, with a valid Australian residential address, verifiable email address and phone number and valid Australian-issued debit or credit card excluding pre-paid visa cards, who are eligible to travel.

In line with a traditional layby model, no funds are advanced to customers, and all payments made by LayAway Travel, through PLAY, to providers on a customer’s behalf come from funds contributed by the customer themselves.

When someone books a PLAY package, Afterpay, through PLAY, will cross-check their details and confirm any relevant repayment history with Afterpay. In line with Afterpay’s values, we want people using PLAY to exhibit positive repayment behaviours. This is important to us.

If someone is currently or has ever been overdue on Afterpay repayments, or has been accepted into the Afterpay Hardship Program at any point, PLAY reserves the right to cancel their booking and refund any instalments paid.

No. You will need to create a separate PLAY account.

PLAY will communicate in advance every time a payment is approaching or due via email, SMS and through your PLAY Account.

If you miss a scheduled instalment payment, a $7 administration fee will apply to cover the costs to re-calculate your instalment schedule and PLAY will re-calculate to include the missed contribution.

If you miss consecutive payments, someone from PLAY will be in touch to make sure everything is ok.

If you miss more than 5 payments in total (doesn’t have to be consecutively), your account will be suspended and your holiday may be cancelled in which case an additional $55 cancellation fee will apply.

If you do not pay for your holiday in full in advance of your departure date, in line with your payment schedule, your trip will not be finalised and you will not be issued with travel documents.

More information about this is included in PLAY’s Terms.

We understand circumstances can change, and PLAY does have a financial hardship program in place in case people need it when those unexpected events happen. For more information please contact us.

There’s a 24 hour cooling off period where you can cancel at no charge.

After this, depending on the reason for your cancellation, a $55 cancellation fee may apply and, dependent on what stage of the payment schedule you have reached, you may need to forfeit amounts already paid to travel, accommodation and other providers.

As you make your payments, you’ll see key milestones in terms of cut off dates for cancellations, including what fees apply at what stages.

The total cost of cancellation, including any money forfeited, will never exceed the amount of money you’ve paid in instalments at the time of cancellation.

The complimentary PLAY pre-trip cancellation insurance included when you purchase a holiday package does cover you for some cancellations.

Depending on the terms and conditions of the travel, accommodation or experience provider, certain components of a cancelled trip may still be redeemable.

More information about this is included in our Terms & Conditions.

Complimentary PLAY Pre-Trip Cancellation Insurance is included in your booking to provide cover for specific unforeseen events. Some of which include, accidental injury or sickness, required by law to attend court and DFAT has issued a "Do Not Travel" warning.

The cover does not include changing your mind, having leave cancelled by your place of employment, pre-existing medical conditions or pregnancy, expenses not included in your PLAY booking, or financial hardship.

A separate financial hardship policy is available. For more information please contact us.

More detail is provided in the [Third Party's] Product Disclosure Statement, available here.

Additional, comprehensive travel insurance is available for purchase here .

We will always be transparent when it comes to what fees and charges customers using PLAY may be subject to.

A retail mark-up is applied to packages curated by LayAway Travel, through PLAY. This mark-up reflects the effort gone to in creating, sourcing and offering unique, high quality travel experiences. The mark-up is modest, and in line with industry standards.

If an instalment is missed, an administration fee will apply, but these are capped at a maximum of $35 (5 instances in which a $7 administration fee applies).

If a customer cancels their holiday a $55 cancellation fee may apply and you may forfeit non-refundable amounts already paid to travel, accommodation and other providers.

As you make your instalments, you’ll see key milestones in terms of cut off dates for cancellations, including what fees apply at what stages via your PLAY account.

Specific Questions about Packages, Signing Up, Accounts or Instalment Payments?

PLAY has a live chat function, administered by LayAway Travel, available via its website – www.pickpayplay.com - between 9am and 5pm AEST/AEDT from Monday to Friday

You can also email PLAY at [email protected] or Call us at 1800 780 880

Information about your package and Instalments are available via your PLAY Account at any time.

If PLAY needs to contact you, including to provide you with notice of when payments are due, PLAY will contact you via SMS, email or through your PLAY Account.

Information about your package and payments are available via your PLAY Account at any time.

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