Payment Options

We offer a wide range of payment options. Four interest-free buy-now-pay-later providers (Afterpay, Zip, Humm, and PayPal Pay in 4), digital wallet options (Apple Pay and Google Pay on supported devices), credit card, PayPal, BPAY, and Direct Deposit (bank transfer). All options are available at checkout — simply select your preferred method during the final step of your order.

This FAQ covers the basics of how each payment option works at CPAP Club. For broader information about buying CPAP equipment in Australia — including private health rebates, Medicare, NDIS, and DVA coverage — see our CPAP Therapy: A Complete Overview.

Interest-Free Buy-Now-Pay-Later Options

All four BNPL providers below let you spread the cost of your CPAP equipment across multiple payments at no extra cost, provided you keep your repayments on time. Each is approved through the provider's own credit check at checkout, and your approved limit is determined by the provider — not by CPAP Club.

Afterpay — Split your order into 4 fortnightly payments, with the first payment taken at checkout. No interest, no fees if paid on time. Best for orders up to your Afterpay account limit (varies by account; new accounts typically have lower limits than established ones)
Zip — A flexible BNPL line of credit that lets you pay later or split into instalments. Limits depend on your Zip account approval. Suitable for both smaller accessory orders and full CPAP machine purchases
Humm — Interest-free instalments for both small and large purchases. Larger orders are typically split over a longer repayment period. Account limits depend on Humm's credit assessment
PayPal Pay in 4 — Split your purchase into 4 fortnightly payments through your PayPal account. No interest, no separate application — works through your existing PayPal account at checkout

If you're unsure which BNPL option suits your situation, the easiest approach is to add your items to cart and see which providers your order qualifies for at checkout — each provider's approved limit will be displayed in real time.

Standard Payment Methods

If you'd prefer to pay upfront rather than via instalments, we accept:

Credit Card — Visa, Mastercard, and American Express. Processed securely through our payment gateway; we don't store your card details
Apple Pay — One-tap checkout on supported Apple devices (iPhone, iPad, Mac with Touch ID, or Apple Watch). Uses the card you already have set up in your Apple Wallet
Google Pay — One-tap checkout on supported Android devices and on Chrome browser. Uses the card you already have set up in your Google account
PayPal — Pay through your PayPal balance or any payment method linked to your PayPal account
BPAY — Pay directly from your Australian bank account using the BPAY biller code and reference shown on your order confirmation. Orders are dispatched once the payment clears (typically 1–2 business days)
Direct Deposit (Bank Transfer) — Transfer directly to our bank account using the details provided on your order confirmation. No processing fees. Orders are dispatched once the payment clears in our account (typically 1–2 business days)

Apple Pay and Google Pay availability: Apple Pay appears at checkout if you're using Safari on a supported Apple device (iOS, iPadOS, or macOS) with a card in your Apple Wallet. Google Pay appears if you're using Chrome on a supported Android device or desktop, with a card in your Google account. On unsupported devices or browsers, you won't see these options — but credit card, PayPal, BPAY, and Direct Deposit remain available.

What Can I Pay for Using These Methods?

All of our payment options are available across the full CPAP Club catalogue — including CPAP machines, CPAP package deals, masks, accessories, and replacement parts. There are no payment-method restrictions on specific product categories.

Do You Offer Your Own Payment Plans?

We don't offer payment plans directly — all instalment options are managed through the third-party BNPL providers listed above. This means standard credit approval conditions and terms apply through each provider, but you also benefit from the consumer protections built into each BNPL platform.