What Department Stores Accept Afterpay?

Afterpay is a popular “buy now, pay later” service, providing consumers with flexible payment options for their purchases. Its growing acceptance across the retail landscape, including numerous department stores, offers an alternative to traditional credit or upfront payment.

Department Stores Accepting Afterpay

Many prominent department stores across the United States now accept Afterpay for various purchases, both online and in-store. Major retailers like Target, Walmart, Kohl’s, Nordstrom, Dillard’s, JCPenney, and Bloomingdale’s offer Afterpay as a payment solution. Consumers can use Afterpay for a wide array of products, spanning fashion apparel, home goods, electronics, beauty products, and accessories.

Acceptance can vary depending on whether the purchase is made online or within a physical store location. When shopping in person, the Afterpay app is generally required to complete the transaction.

How Afterpay Works

Afterpay divides the total purchase amount into four equal, interest-free installments. The initial payment, approximately 25% of the total, is due at the time of purchase. The remaining three payments are automatically deducted every two weeks over a six-week period.

To utilize Afterpay, individuals must be at least 18 years old, possess a valid email address and mobile number, and have a US-issued debit or credit card. Unlike some traditional financing options, Afterpay generally does not perform a hard credit check. Afterpay generates revenue primarily through fees charged to merchants, which typically range from 3% to 6% of each transaction, along with a flat fee of approximately $0.30 per sale. The service may apply late fees if payments are not made on time, though these are capped, usually at 25% of the purchase price or a maximum of $68, whichever amount is less.

Using Afterpay for Purchases

For online transactions, customers select Afterpay as their payment method during checkout. Existing users log in to their Afterpay account to confirm the purchase, while new users can quickly register and complete their payment details.

For in-store shopping, the process involves using the Afterpay mobile application. Users set up a digital Afterpay Card within the app, which can then be added to their phone’s digital wallet, such as Apple Pay or Google Pay. When ready to pay, the customer activates the Afterpay Card in their digital wallet and taps their phone on the card reader to complete the transaction, similar to using a standard contactless payment.