Afterpay

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Score7.1

Rank#2 of 26

PriceFree

Free planYes

Runs onAndroid, API, iOS, Web

Summary

Afterpay lets eligible shoppers buy from partner brands and pay in installments, either online or in-store. Its Pay in 4 plan costs 0.00 USD per free and splits payment across six weeks: the first installment is due upfront, followed by the remaining payments. The app helps customers track payments, reschedule payment dates, explore recommendations and deals, and make shopping lists. For in-store purchases, users can set up an Afterpay Card in the app and add it to Apple Wallet or Google Wallet. Retailers can offer Afterpay online, in-store, or in-app; the in-store option works with an existing point of sale and requires no additional hardware. The Business Hub brings together transactions, settlements, and reporting. Integrations are available for e-commerce, payments, and content-management platforms, as well as through iOS and Android SDKs and API options. U.S. customers must be at least 18, live in the U.S., and meet additional eligibility criteria. Pay in 4 has no late fees when paid on time, but late fees may apply otherwise, and some transactions may carry a finance fee.

Who it is for

Afterpay suits eligible shoppers who want to split partner-brand purchases into installments, and retailers looking to offer checkout across online, in-store, or in-app channels. U.S. customers must meet the stated age, residency, and eligibility requirements.

What is good

Pay in 4 spreads payments across six weeks.
App supports payment tracking and date rescheduling.
In-store use can work through an existing point of sale.
Business Hub combines transactions, settlements, and reporting.

What to know first

Eligibility is required for installment plans.
Late fees may apply.
Some transactions may have a finance fee.
U.S. customers must be at least 18 and reside in the U.S.

Verdict

Afterpay combines shopper installment payments with retail checkout options and merchant tools. Review eligibility and possible late or finance fees before choosing a payment plan.

Afterpay plans and pricing

All plans

Pay in 4 Free 4 interest-free installments over six weeks · first payment upfront · eligibility required afterpay.com · 30 Sept 2026

Pay monthly Not published 6–12 months · a finance fee may apply · eligibility required afterpay.com · 30 Sept 2026

Compared on buy now, pay later platforms

Free plan: Yesafterpay.com
Checkout channels: omnichannelafterpay.com
Repayment terms: Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 monthsafterpay.com
Merchant platforms: Square, Magento, Shopify, WooCommerceafterpay.com
Merchant settlement: scheduledafterpay.com
Consumer regions: Australia, Canada, New Zealand, United Kingdom, United Statesafterpay.com
Merchant dashboard: Yesafterpay.com

Facts

What it does: Afterpay lets eligible shoppers pay in four installments at partner brands and shop online or in-store.afterpay.com · 30 Sept 2026
Payment schedule: Pay in 4 takes the first payment upfront and spreads the rest over six weeks.afterpay.com · 30 Sept 2026
Payment reminders: Afterpay says it sends payment reminders and caps late payments; Pay in 4 has no late fees when paid on time.afterpay.com · 30 Sept 2026
App features: The app lets customers track payments, reschedule payment dates, explore recommendations and deals, and create shopping lists.afterpay.com · 30 Sept 2026
In-store payments: Customers can set up the digital Afterpay Card in the app and add it to Apple Wallet or Google Wallet to pay in-store.afterpay.com · 30 Sept 2026
Retailer checkout: Retailers can offer Afterpay online, in-store, or in-app, and the in-store option uses an existing point of sale without additional hardware.afterpay.com · 30 Sept 2026
Retailer tools: Afterpay Business Hub brings transactions, settlements, and reporting into one place.afterpay.com · 30 Sept 2026
Integrations: Afterpay offers integrations with e-commerce, payments, and content-management platforms, plus iOS and Android SDKs and bespoke API options.afterpay.com · 30 Sept 2026
Security compliance: Afterpay states it is a PCI-DSS Level 1 certified service provider and an ISO/IEC 27001 certified organisation.afterpay.com · 30 Sept 2026
Support: The U.S. Help Center offers 24/7 in-app chat and phone support daily from 8 AM to 9:30 PM ET.afterpay.com · 30 Sept 2026
Eligibility: U.S. customers must be at least 18, reside in the U.S., and meet additional eligibility criteria.afterpay.com · 30 Sept 2026
Fees and limits: Late fees may apply, and some transactions may have a finance fee; the site gives an example APR of 36% for a loan with a finance fee.afterpay.com · 30 Sept 2026