What Places Use Afterpay? Online & In-Store

Afterpay is a “buy now, pay later” service that allows consumers to acquire goods immediately and spread the cost over time. Purchases are split into manageable installments, offering financial flexibility. Consumers receive the item upfront and repay Afterpay directly through a structured payment plan.

Discovering Afterpay Retailers

Finding businesses that accept Afterpay is straightforward, whether shopping online or in a physical store. The official Afterpay app and website serve as primary resources for locating participating retailers. Users can browse a comprehensive directory of stores, often categorized by type, to identify where Afterpay is accepted.

When shopping online, the Afterpay logo or payment option at checkout indicates its acceptance. Retailers typically display the Afterpay emblem alongside other payment methods, making it easy to identify. This visual cue signifies that a buyer can select Afterpay to complete their purchase, often seeing the payment breakdown before finalizing the order.

For in-store shopping, consumers should look for Afterpay decals or signs displayed at the point of sale. These visual indicators, often near the cash register or storefront, inform customers that they can utilize Afterpay for their purchases. The Afterpay app also offers an “in-store” tab, which helps users find nearby physical locations that support Afterpay transactions.

Afterpay is widely accepted across numerous retail categories, providing flexibility for diverse purchasing needs. Common categories include fashion and apparel, beauty and cosmetics, home goods and furniture, and electronics. Many popular brands in these sectors have partnered with Afterpay, allowing consumers to finance items such as clothing, skincare products, household appliances, and tech gadgets.

Using Afterpay for Your Purchases

Before making a purchase with Afterpay, consumers need to establish an account and link a valid debit or credit card. This involves providing personal details, such as a valid email address and mobile number, and agreeing to the terms and conditions. The linked card will be used for automatic installment deductions.

For online purchases, the process begins at the retailer’s checkout page. After adding items to the shopping cart, the consumer selects Afterpay as their preferred payment method. New users may be prompted to create an account, while returning users simply log in. Afterpay performs an instant approval decision, considering factors like available funds and repayment history, and generally does not involve a hard credit check for initial setup.

Upon approval, the first payment, typically 25% of the total purchase price, is due immediately. The retailer processes and ships the order without delay. The remaining three payments are automatically deducted from the linked debit or credit card every two weeks. Afterpay sends reminders before each installment is due.

Using Afterpay in a physical store involves a slightly different procedure, leveraging the Afterpay mobile application. Consumers open the app and navigate to the “in-store” tab. They can generate a temporary digital card or barcode within the app. This digital card can be added to a phone’s digital wallet, such as Apple Pay or Google Pay, enabling contactless payment at the checkout terminal.

When ready to pay in-store, the consumer selects the Afterpay Card from their digital wallet and taps their phone on the card reader. The transaction processes similarly to a standard debit or credit card payment. The purchase amount is split into four interest-free installments over six weeks, with the first payment at the time of sale.

Afterpay does not charge interest on these installments if payments are made on time. If a payment is missed, late fees may apply, but these fees are capped. Automatic deductions continue every two weeks until the balance is paid in full.