What Stores Use Afterpay Online and In-Store?

Afterpay provides a flexible payment solution, enabling consumers to acquire goods immediately and pay for them over time. This service functions as a “buy now, pay later” (BNPL) option, dividing the total purchase cost into manageable installments. These payments are typically interest-free, provided they are made on time. Afterpay offers financial flexibility without the traditional interest charges associated with credit cards.

Online Shopping with Afterpay

Afterpay is widely integrated across a diverse range of online retailers. This payment method is commonly found in categories such as fashion, beauty, home goods, electronics, and lifestyle brands. Many prominent online stores display Afterpay as a payment option directly at checkout.

When shopping online, users typically select Afterpay at the payment step, similar to choosing a credit card or other digital wallet. This seamless integration allows for quick approval, often within seconds, and the first payment, usually 25% of the total, is due at the time of purchase. The remaining balance is then divided into three equal payments, automatically deducted every two weeks over a six-week period.

Major online retailers that commonly feature Afterpay include department stores like Nordstrom, Macy’s, and Kohl’s, alongside fashion giants such as ASOS, Forever 21, and H&M. For beauty enthusiasts, Sephora and Ulta Beauty frequently offer Afterpay, while home furnishing stores like Wayfair and Bed Bath & Beyond also participate. Even electronics retailers such as Best Buy and Apple provide Afterpay for larger purchases.

In-Store Shopping with Afterpay

Afterpay has expanded its functionality for use in physical retail locations. To facilitate in-store purchases, users typically interact with the Afterpay mobile application. The app enables the setup of a digital Afterpay Card, which can then be added to a smartphone’s digital wallet, such as Apple Pay or Google Pay. This digital card functions similarly to a virtual payment card, enabling contactless transactions.

At the point of sale in a physical store, customers can initiate payment by opening their phone’s digital wallet and selecting the Afterpay Card. They then tap their phone on the card reader, much like a standard credit or debit card transaction. The purchase amount is immediately split into four interest-free installments, with the first payment due upfront.

Numerous types of physical stores accept Afterpay, often mirroring the categories available online, including fashion boutiques, beauty supply stores, and home goods retailers. Large department stores like Target, Walmart, and Macy’s have integrated Afterpay for in-person shopping. Other examples include popular chains such as Ulta Beauty, Nordstrom, and Dick’s Sporting Goods.

Discovering Afterpay Merchants

Finding stores that accept Afterpay is straightforward through official resources. The Afterpay mobile application is a primary tool for discovering participating merchants, featuring a dedicated “Shop” or “Directory” tab. Within the app, users can browse stores by category, search for specific retailers by name, or explore featured merchants. This comprehensive directory is regularly updated, ensuring users have access to the most current list of available shopping destinations.

The official Afterpay website also offers a store directory. This online tool allows consumers to verify if their preferred stores accept Afterpay before making a purchase.

Beyond these dedicated directories, customers can often identify Afterpay acceptance by looking for the Afterpay logo. This symbol is typically displayed on retailer websites, often at checkout, or as signage near entrances and payment terminals in physical stores.