Easy Inflatables · WavePay
How WavePay Works
Pay for your boat in 4 fortnightly instalments. No interest. No credit check. Build starts as soon as your 2nd instalment clears — dispatch after the final payment.
8 weeks
4 fortnightly payments
0% interest
No fees, no credit check
Stripe secured
PCI-compliant card vaulting
The 4-step process
Choose WavePay at checkout
On any boat or boat-package product page, select the WavePay option. Your first instalment (25% of the total) is paid today to lock in your order.
Card saved securely with Stripe
We use Stripe to tokenise and store your card details securely. Stripe initiates and manages every scheduled charge — we never see your full card number and we never touch the charging process.
Auto-charged every 14 days
Instalments 2, 3 and 4 are initiated and charged automatically by Stripe every 14 days. No action required from you — receipts and reminders are emailed at each step.
Build starts at instalment 2, dispatch after final instalment
Instalments 1 and 2 together form your 50% manufacturing deposit. As soon as instalment 2 clears (day 14) your boat enters the build queue — hull welding, drop-stitch floor pressure-testing, tubes bonded, transom fitted. Production runs in parallel with instalments 3 and 4. The completed boat is QC'd and dispatched once the 4th instalment clears by express courier — DHL Express, FedEx or UPS — 7–10 days door-to-door, with delivery included in the price.
Example timeline
A$6,000 boat — A$1,500 every 2 weeks
Today
A$1,500
Week 2
A$1,500
Week 4
A$1,500
Week 6
A$1,500
Build queue entry: as soon as Week 2 (instalment 2) clears. Dispatch: after the Week 6 (final) instalment clears in full.
How a WavePay order moves through our workshop
When exactly does the boat start getting built? Here's the day-by-day.
| Day | What happens |
|---|---|
| Day 0 | Order placed. Instalment 1 (25%) charged. Hull spec confirmed, written confirmation + WavePay schedule emailed. |
| Day 14 | Instalment 2 charged. Boat enters the build queue — hull welding, drop-stitch floor pressure-testing, tubes bonded, transom fitted. Instalments 1 + 2 make up your 50% manufacturing deposit. |
| Day 28 | Instalment 3 charged automatically by Stripe. Production continues in parallel. |
| Day 42 | Instalment 4 (final) charged. Boat completed, QC'd and dispatched on your chosen freight option. |
Per our Terms of Trade, instalments 1 and 2 together form the 50% non-refundable manufacturing deposit; the boat enters the build queue as soon as instalment 2 clears and is dispatched after the final (4th) instalment clears.
Why we built WavePay instead of using Afterpay or Zip
We looked hard at every BNPL provider before launching WavePay. Three problems killed all of them for boat buyers:
1. Transaction caps.
Most Pay-in-4 providers cap individual transactions at A$2,000–A$3,000. Our boats start at A$3,995 and run past A$9,000 for a Sovereign Catamaran package — flat-out unavailable on consumer BNPL.
2. Merchant fees passed back to the customer.
BNPL providers charge merchants 4–6% per transaction. On a A$5,000 boat that's A$200–A$300 of margin baked back into pricing. Doing it in-house, our only cost is the standard Stripe fee — savings stay in the boat price.
3. Credit checks and approvals.
Traditional marine finance means a credit application, a hard pull on your file, and 24–72 hour approval. For a A$4,000 inflatable that's overkill, and for regional or thin-file buyers it's often a flat decline.
WavePay vs. the alternatives
| WavePay | AMMF Marine Finance | Pay in full | |
|---|---|---|---|
| Term | 6 weeks | 1–7 years | Immediate |
| Interest | 0% | From ~9% p.a. | — |
| Credit check | None | Yes (Equifax) | None |
| Boat in build | After instalment 2 (day 14) | After deposit + approval | Immediately |
| Best for | A$4k–A$9k boats, fast turnaround | Larger packages, longer terms | Buyers with cash on hand |
Over A$10,000 (e.g. Sovereign Catamaran + Hidea 30HP)? AMMF marine finance over 24–60 months is usually the more comfortable structure.
WavePay is a great fit if you're…
- A weekend skipper ready to buy this season, not 6 months away
- A charter operator preserving working capital on a second tender
- An interstate or grey-nomad buyer who'd rather spread the hit over 6 weeks
- Previously knocked back on traditional marine finance (thin file, self-employed)
Probably not the right tool if you're…
- Still deciding which hull is right — WavePay isn't a "lock in a slot while you think" deposit
- Looking for a 12 or 24-month term — WavePay is 6 weeks, not 6 months
- Unsure your card will reliably have funds for each fortnightly charge
What happens if a payment fails?
- We auto-retry the charge once after 48 hours (Stripe Smart Retries).
- If that fails, you get a polite email with a one-click update-card link. Nothing is forfeited.
- If two consecutive instalments fail, the build pauses until the schedule is brought current.
- Once instalment 2 has cleared the boat is already in the build queue — dispatch happens on the next outbound freight window after the final instalment clears.
Eligibility
- Visa, Mastercard, or American Express — any country
- Worldwide shipping address
- Available on boats and boat packages priced A$500 — A$50,000
Accessories (pumps, oil, wheel kits) are not eligible — they already offer Afterpay / Zip at checkout.
No fees, no interest.
WavePay is a payment schedule offered by Easy Inflatables and managed by Stripe, not a credit product. All instalments are initiated and charged by Stripe — a PCI-compliant payment provider trusted by millions of businesses worldwide.
Frequently asked questions
Is there any interest or extra cost?
No. WavePay is completely interest-free and fee-free. The price you see on the product page is exactly what you pay across the 4 instalments.
Do you run a credit check?
No credit check is required. We rely on your live card authorisation and Stripe's payment-risk engine.
What cards are accepted?
Any Visa, Mastercard, or American Express debit or credit card — issued in Australia or anywhere in the world.
Can I pay off the balance early?
Yes. Email sales@easyinflatables.com.au and we will charge the outstanding balance immediately so your boat can ship sooner.
What if a scheduled payment fails?
Stripe's Smart Retries automatically re-attempt the charge over 48 hours. If it still fails, your plan pauses and we email you to update your payment method. Your paid balance and build slot are held — nothing is forfeited.
Can I cancel a WavePay plan?
No — once a WavePay plan begins, all instalments are non-refundable. Production and materials are committed for your boat as soon as instalment 1 clears. This covers the non-refundable deposit and the custom build. See our Order & Refund Policy for full detail.
What if Stripe can't recover a failed instalment?
By starting a WavePay plan you agree to pay all 4 instalments in full. If Stripe's automatic retries cannot recover a scheduled charge (e.g. lost/cancelled card, account closed), we will issue an invoice for the outstanding balance with 7-day payment terms. Per these terms and our Terms of Trade, you remain legally bound to pay the remainder; unpaid balances may be referred to a debt-recovery agent at your cost. Your boat does not ship until the plan is paid in full.
Questions? Call +61 2 4335 1603 or email sales@easyinflatables.com.au