How Afterpay Works

Afterpay’s proprietary technology platform enables shoppers to pay for items in four simple instalments, without the need for additional information at checkout.


Customer selects Afterpay on checkout and no further personal information is required


Customer either pays the first instalment or nothing up-front and gets their order straight away


Afterpay settles up-front with the merchant and assumes any credit and fraud risk


Customer pays off their purchase in regular instalments directly to Afterpay



Benefits For Afterpay Merchants


Incremental sales, new customers

Afterpay converts customers that would have otherwise abandoned, generating more sales from the existing customer base and creating new customers.

Increase basket size and repeat purchase rates

Afterpay customers spend more per transaction and over their lifetime, and they come back more often.

Guaranteed up-front payment

Afterpay settles with merchants up-front, quickly and automatically. No complicated processes or lengthy wait times.

Zero fraud or credit risk

Afterpay assumes all end-customer non-payment risk for every single transaction.