What Stores Use Afterpay for Online & In-Store Shopping

Afterpay provides a flexible payment solution, enabling consumers to acquire goods and services immediately while spreading the cost over time. This “buy now, pay later” (BNPL) service allows purchases to be split into four interest-free installments. The initial payment, typically 25% of the total purchase amount, is due at the time of checkout. The remaining three payments are scheduled every two weeks over six weeks, interest-free if paid on time. Afterpay aims to make shopping more accessible by offering this installment plan, which has gained popularity as an alternative to traditional payment methods.

Discovering Afterpay Merchants

Finding retailers that accept Afterpay is straightforward, with several resources available to help consumers identify where they can use this payment option. A primary method is through the official Afterpay app or website, which features a comprehensive “Shop Directory.” This directory allows users to browse merchants by various categories, such as fashion, beauty, home goods, and electronics, or to search for specific brands.

When shopping online, the presence of the Afterpay logo or payment option at the checkout page clearly indicates acceptance. Many e-commerce websites integrate Afterpay directly into their payment processing systems, making it a visible choice alongside credit cards or other digital wallets. For in-store shopping, retailers often display signage or information at the point of sale, signaling that Afterpay is an accepted payment method. The Afterpay app also offers an “In-Store” tab, which can help users find nearby physical locations that support Afterpay transactions. Common retail sectors where Afterpay is frequently available include fashion and apparel, beauty and cosmetics, home furnishing, and various electronics stores.

Making Online Purchases with Afterpay

Completing an online purchase using Afterpay involves a clear, sequential process once a merchant has been identified. The initial step is to add desired items to the online shopping cart, just as with any other digital purchase. After compiling the order, consumers proceed to the checkout page where various payment methods are presented. On this page, Afterpay will appear as an available payment option.

Selecting Afterpay as the preferred payment method will typically redirect the user to either an Afterpay login page for existing accounts or a signup page for new users. New customers will undergo a quick registration process, which usually involves providing an email address, phone number, address, date of birth, and linking a debit or credit card for payments. Upon approval, the system processes the immediate payment of the first installment, which is generally 25% of the total purchase amount. The order is confirmed, and the purchased items are shipped. Remaining payments are scheduled bi-weekly.

Making In-Store Purchases with Afterpay

Utilizing Afterpay for in-store purchases typically involves the Afterpay Card, a digital card accessible through the Afterpay mobile application. Before shopping, consumers need to set up this virtual card within the app by navigating to the “In-Store” tab and following the prompts to add it to their digital wallet. This digital card can be linked to mobile payment services such as Apple Pay or Google Pay, enabling contactless payments.

Once the Afterpay Card is set up in a digital wallet, the process at the physical checkout resembles standard contactless payments. When ready to pay, the consumer opens their phone’s digital wallet, selects the Afterpay Card, and taps their device on the point-of-sale card reader. The transaction processes, and the first installment is paid immediately from the linked debit or credit card. Remaining installments are automatically charged every two weeks.