What Stores Accept Afterpay Online and In-Store?

Afterpay provides a flexible payment solution, allowing consumers to make purchases immediately and pay in interest-free installments over time. Users typically make an initial payment at the time of purchase, with the remaining balance divided into subsequent installments. Afterpay aims to make shopping more accessible by offering a structured payment plan.

How to Find Stores That Accept Afterpay

Discovering retailers that accept Afterpay is straightforward. The official Afterpay mobile application is a primary tool. Within the app, users can browse stores, search for specific merchants, or explore shopping categories.

The Afterpay website also features a directory of participating retailers. This online resource allows users to navigate through brands and categories for online purchases. Both the app and website are regularly updated to reflect the current network of merchants.

When shopping online, look for the Afterpay logo on a retailer’s website, often during checkout. For in-store purchases, the Afterpay logo might be visible on storefronts or at checkout counters. Utilizing search engines can also assist by combining a retailer’s name with “Afterpay” to ascertain acceptance.

Common Retail Categories and Examples

Afterpay is widely integrated across many retail sectors. Fashion and apparel stores frequently partner with Afterpay, including major department stores like Target, Walmart, Kohl’s, Nordstrom, and Macy’s, many accepting Afterpay both online and in-store. Popular clothing brands such as ASOS, Forever 21, Urban Outfitters, H&M, Nike, Adidas, Under Armour, Lululemon, and Anthropologie also offer this payment method for online transactions.

The beauty and cosmetics industry is another category where Afterpay is prevalent. Retailers like Sephora, Ulta Beauty, MAC Cosmetics, and ColourPop enable customers to purchase skincare, makeup, and haircare products with installment plans. Many of these stores support Afterpay for both online and in-store transactions.

For home goods and furniture, Afterpay is accepted by retailers such as The Home Depot, Lowe’s, Wayfair, Bed Bath & Beyond, Overstock, and Ashley HomeStore. Electronics stores including Best Buy, Apple, Microsoft, and Samsung offer Afterpay for tech purchases, allowing for staggered payments on devices like smartphones and gaming consoles.

Beyond tangible goods, Afterpay has expanded into services like travel. Platforms such as Expedia, Hotels.com, and Agoda allow users to book flights and accommodations by splitting the cost into installments, often through the Afterpay app.

Making a Purchase with Afterpay

The process of using Afterpay is simple, whether shopping online or in a physical store. For online purchases, customers select Afterpay as their payment method at checkout. First-time users complete a quick registration, while returning customers log into their Afterpay account to confirm the transaction. Afterpay then pays the merchant the full amount upfront, allowing the customer to receive their items immediately.

For in-store transactions, the Afterpay mobile app is essential. Users set up a digital Afterpay Card within the app, which can be added to their phone’s digital wallet, such as Apple Pay or Google Pay. At the point of sale, customers tap their phone on the card reader to complete the purchase. The amount is then split into the Afterpay installment plan.

The Afterpay payment schedule involves four interest-free installments, with the first payment due at purchase. The remaining three payments are automatically deducted from the customer’s linked debit or credit card every two weeks over a six-week period. While Afterpay does not charge interest, late fees may apply if payments are not made on time, typically limited to 25% of the purchase price or a set maximum amount, whichever is less. To use 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. Afterpay assesses each transaction for approval.