Category Archives: Consumer Guides

The Smart Books To Buy

pile of books

SmartWayToPay’s mission is to provide our readers with information about the Smart Ways To Pay for goods and services, as well as all the dumb ways you can pay. We want to empower our readers to become savvier shoppers. Most of the people involved with SmartWayToPay have had a long history in consumer advocacy. With Christmas coming up and therefore

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Cashbacks – What are they and why they’re a smart tool to help you pay less!

When’s the last time you got given cash back for buying a product or service? Even cashback on an already discounted product or service?  If you’re not a subscriber of Shopback or Cashrewards, it’s unlikely you’ve ever been given cash back for your regular shopping. Now this is all changing. ‘Cashback’ providers are becoming a hugely popular way to attract

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What consumer groups sometimes miss about Buy-Now-Pay-Later – it’s providing consumers with a much better option than credit cards

Consumer groups are designed to provided consumers with advocacy, support and often collective power. We believe most Australian consumer groups do a great job at this. However, we believe the concern regarding potential risks of Buy-Now-Pay-Later (BNPL) use can be overstated and the positive effect BNPL is having on consumers, under-appreciated. Consumer group Choice are currently surveying their members about

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“BNPLs don’t have checks and balances on customers”- True or False?

judgement scale and gavel in judge office

Please refer to my article “There’s no hardship or protections with BNPL if you get into trouble”  where I talked about the ‘BNPL incentive’. BNPL companies need customers to be able to pay off their debt. Which is why your spending limit on a product like Afterpay starts low, and you need to make your first instalment payment upfront.   Many

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True or false? “BNPL is unregulated”

Have you read a news article about Buy-Now-Pay-Later in the past year? Stupid question right?  Afterpay, Zip and Klarna have dominated the news cycle for years now. More often than not, what you read is well researched, well fact checked and well written. However one statement or theme that continues to pop up is that ‘BNPL is unregulated’.  We’re here

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Christmas Savings tips and tricks 

Industrial action, COVID-19 disruptions and Christmas-level parcel volumes every week mean the lengthy delays people are experiencing in regards to their delivery times are here to stay, according to the boss of logistics software company Shippit.  That’s why we here at SmartWayToPay think now’s the time to be considering shopping for Christmas. So what’re some top tips to saving on

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