AfterPay is a payment-after-delivery service developed by Arvato Financial Solutions, enabling businesses to offer their customers a convenient way of paying. AfterPay provides its services in nine countries: The Netherlands, Belgium, Germany, Austria, Switzerland, Sweden, Norway, Finland and Denmark. Under the umbrella of payment-after-delivery, AfterPay offers both regular invoice products as part payment options, complemented by a direct debit option. AfterPay is a perfect fit for consumers that want flexibility, shop frequently or simply want to experience their purchase before paying. Consumers have full control over how and when they pay for their purchases. For merchants, AfterPay covers the risk of consumers not paying. This way, credit and fraud risk for merchants is minimized, while AfterPay settles the purchase value to the merchants independent of when consumers pay their invoice, so merchants can focus on their core business. AfterPay and Arvato Financial Solutions are part of Bertelsmann Group.