• Features: ★★★★☆ 4/5
  • Customer Engagement: ★★★☆☆ 3/5
  • Order Management: ★★★★☆ 4/5
  • Compatible Hardware: ★★★☆☆ 3/5
  • Ease of Use: ★★★★★ 5/5
  • Pricing: ★★★★☆ 4/5

2022's Afterpay Reviews [Features & Pricing]

  • Features: ★★★★☆ 4/5
  • Customer Engagement: ★★★☆☆ 3/5
  • Order Management: ★★★★☆ 4/5
  • Compatible Hardware: ★★★☆☆ 3/5
  • Ease of Use: ★★★★★ 5/5
  • Pricing: ★★★★☆ 4/5

Best For

Consumers with a no-interest buy-now-pay-later scheme


  • The no-interest buy-now-pay-later credit system
  • No credit score check or rigorous approval process
  • Can use Afterpay to shop at 85,000K + brands
  • Extremely accessible and convenient app and payment methods


  • Extremely accessible and convenient app and payment methods
  • A limit of $1,500 per purchase/$2,000 in total credit

Afterpay is a buy-now-pay-later service that also doubles as a marketplace between popular brand merchants and consumers. We not only researched Afterpay, but we also looked at consumer Afterpay reviews to present an informed overview of this service. This in-depth review will cover what Afterpay is, its features and ease of use, pricing, support, FAQs, and more.

What Is Afterpay and How Does it Work?

Afterpay is a BNPL service that helps users buy goods without paying full price and allows them to pay interest-free installments. Afterpay first launched in Australia in 2014 and quickly gained popularity, spreading to the United Kingdom, Canada, the U.S., and New Zealand. In this review of Afterpay, we’ll mostly touch on the consumer-facing side of the service, but we’ll also relay the most important details for merchants looking to use it.

Afterpay decides your starting balance; somewhere between $500 – $1,000 is the most common. This limit can be increased the longer you use the service depending on how good your payment record is. There is an overall limit of $1,500 per purchase and you can never be more than $2,000 in arrears.

There used to be some serious concerns about whether or not Afterpay is a legitimate form of credit and if it encourages debt accumulation and bad consumer habits. However, they have since tightened up their terms and conditions to provide a higher level of consumer protection. With a lack of true Afterpay competitors, they are still uniquely positioned as a consumer service.

Main Features

From the start, I was struck by the convenience Afterpay offers its users. The entire service exists to make it easier for consumers to make relatively high-cost retail purchases from a variety of brands and stores.

Since this is its only focus, Afterpay offers a relatively small and simple feature set. This is also, in part, due to its straightforward payment system. While they don’t offer it up front, you can purchase in-store hardware such as an Afterpay POS terminal from their partners, including Vend and Cegid.

It’s important to note that Afterpay is not a registered credit provider. While this has advantages for consumers, it may also leave them without some consumer protections that are in place with traditional institutions.

No-Interest Buy-Now-Pay-Later

Afterpay is a BNPL service that allows you to buy goods upfront for only 25% of the total cost. You pay the remaining 75% in 25% installments spaced out across the next six weeks. The best part is that these purchases are completely interest-free, though there are late charges of $10 and an additional $7 each week without pay. That being said, these are capped at 25% of the purchase value. The payment and credit ceiling may be restrictive, but it’s that way for consumer protection.

Debit/Credit Card Processing

Afterpay accepts nearly any credit or debit card to sign up for their services, such as Mastercard, Visa, and American Express; Capital One recently blocked its credit card users from making Afterpay payments. Pretty much any other type of debit or credit card can work.

Mobile & Electronic Payments

AfterPay claims to be all about convenience, so it’s no surprise that there are several convenient Afterpay payment methods. You can use Apple Pay, Samsung Pay, and Google Pay to make purchases on the app or in-store. You can even set up your Afterpay card to work with Apple Pay on your Apple Watch! Afterpay is also available as a checkout option from many online merchants and e-commerce stores.

Fraud Detection

Credit card security was one of my biggest concerns looking into Afterpay, but the good news is that Afterpay is a PCI DSS Level 1 certified compliant service provider. These are some of the highest standards a payment processing or service can adhere to. There also don’t seem to be any particularly large-scale or concerning incidents of fraud, credit card theft, or security breaches in the company’s history.


You can track spending habits and budget through your app or website, as well as upcoming payments to help manage your finances. Besides that, there aren’t any advanced analytics like you might expect with conventional credit cards. This is one of the flaws typically highlighted in Afterpay app reviews.

Recurring/Subscription Billing

The good news is that Afterpay is a completely free-to-use service with no recurring or subscription fees. Afterpay doesn’t make any money off of individual consumers at all! Instead, it charges merchants a transaction fee of 0.3% + $3-$7 commission. All you need to do is pay your bill in four 25% increments. Unfortunately, there are no other financing options available, so make sure you can afford whatever you buy!

Shop at Over 85K Brands

Afterpay claims to work with over 85K brands to provide customers with a single-point-of-contact shopping platform. For merchants, is afterpay worth it? Yes! The platform has been shown to increase sales.

Some brands offer their products for sale straight through the Afterpay app; you can save favorites or get notified of various offers. If you’re committed to using Afterpay, I found this to be an extremely convenient solution. If something is not listed on the app, there is still a good chance you can use Afterpay to pay in-store. Bed Bath & Beyond, Old Navy, and Forever 21 are some of the major brands you can shop at with Afterpay.

Ease of Use

Afterpay likes to talk about the convenience of its platform, and reviews on Afterpay tend to agree with their user experience. Of course, I couldn’t wait to do a hands-on test of how quick and easy it is to use their platform myw3lr.

First, the website is modern, clean, and easy to navigate. The same goes for the app, as it hosts an attractive and minimalist interface.

As it’s not a credit provider, the other good news is that you don’t have to pass a credit check. However, Afterpay will still evaluate your eligibility for their platform.

Before you sign up, here’s what you’ll need:

  • Proof that you’re over 18
  • Be a citizen with a government-issued ID from a hosted country
  • A telephone number and email that can be verified
  • A valid address and email address
  • Useable debit or credit cards

After gathering everything, sign up by visiting the Afterpay website or by downloading the Android/iOS app. Here are step-by-step instructions on how to use Afterpay:

  1. Visit the Afterpay website and click “Sign Up”.
    Afterpay Signup Process - Step 1
  2. Provide your email address and click “Continue”.
    Afterpay Signup Process - Step 2
  3. Provide your phone number and click “Continue”.
    Afterpay Signup Process - Step 3
  4. Provide some basic personal information and verify your contact information.

After all this, you’re officially signed up with Afterpay! To start using the service, you need to link a debit or credit card, or another authorized payment method.

Plans, Pricing, and Contracts

Is Afterpay worth it? The costs and fees are a make-or-break factor when deciding what service to use.

Luckily, Afterpay is completely free! If you’re using the app as a consumer, you don’t have to pay any subscription or transaction fees. Afterpay also offers a zero-interest BNPL model, so you only pay the value of the item(s) bought.

This is because the cost is carried by merchants who hope to increase sales by allowing customers to buy with Afterpay. If you’re a business owner looking to sell through Afterpay, they take a flat $0.30 + 3% to 7% commission on each sale.

Almost all other services similar to Afterpay tend to charge some form of interest, making zero-interest credit one of Afterpay’s main attractions.

However, there are late fees if you miss a repayment. As soon as you miss a payment, you’ll have to cough up $10, with an additional $7 each week you’re late. The good news is that late fees can never exceed 25% of your total spending.

Customer Support

Afterpay offers 7-day support services that you can reach through email. They also provide support over the phone between the hours of 07:00-19:00 CST Monday – Friday. Reviews on Afterpay regarding support are somewhat mixed. Some users say that their queries were quickly and eagerly dealt with while others claim that their staff is rude.

Afterpay Alternatives

Win Lose Best for
Afterpay vs Clover Afterpay is effective at increasing sales for businesses and doesn’t require any special hardware. Afterpay takes significantly higher transaction fees than Clover ($0.1 + 2.3%). Clover is best for retailers who need a physical POS system with flexible payment options.
Afterpay vs Square

Read the full review of Square here

Afterpay allows users to use a range of payment methods whereas Square only supports itself. Afterpay takes significantly higher transaction fees than Clover ($0.1 + 2.6%). Square is the best POS system for small businesses that want affordable POS hardware.

Afterpay is a unique platform for merchants and customers alike; it’s challenging to find a direct Afterpay alternative. Some view it as more of a marketplace and credit facility than an actual payment facilitator or top POS provider like Clover and Square.

Is Afterpay Worth It?

As a completely free credit tool for consumers with a no-interest buy-now-pay-later scheme, it’s hard to argue against giving Afterpay a try. It’s an extremely easy-to-use and intuitive platform as often highlighted in Afterpay reviews. With a convenient range of payment methods and solid brand support, it’s a one-stop shopping solution for deal-hungry consumers.


Is Afterpay safe?

Definitely! There doesn’t seem to be a reason to doubt whether Afterpay is a safe platform or not. They have no major security incidents and are fully PCI-compliant. However, it’s up to consumers to use the platform responsibly.

Is Afterpay legitimate?

Yes! Afterpay is a completely legitimate buy-now-pay-later service. Merchants can choose to partner with Afterpay payments or sell their products in the Afterpay store. While there have been some regulatory and compliance concerns, Afterpay has not been banned anywhere.

Does Afterpay affect your credit score?

Afterpay doesn’t perform a hard credit inquiry which can lower your score, and it doesn’t report missed payments to credit bureaus for most borrowers, according to various Afterpay reviews.


I learned a lot about finance after working for a digital marketing company specializing in investing and trading stocks, forex, etc. After that, I got exposed to other verticals such as wealth management and personal finance, which further improved my understanding of the financial world.