Delve into our informative guide to discover if Amazon accepts Afterpay as a payment method. Learn about the compatibility of Afterpay with Amazon and explore other possible payment options.

Amazon is a popular online retailer with a large collection of products. Many retailers have appreciated the use of Afterrpay to keep up with their customers. Afterpay is available for online purchases and day-to-day shopping. This article will examine whether Amazon accepts Afterpay and explore possible workaround.

Does Amazon Accept Afterpay?

Normally Amazon does not accept Afterpay for website purchases, nor does it have it as a checkout method. However, there is an apt way to use Afterpay purchases with Amazon. Buyers can use the one-time Afterpay credit card offer to check out with Amazon.

Like regular debit or credit cards, Amazon will allow you to check out using the Afterpay credit card. All the purchases made will go to your  Afterpay account, and you will pay them in installments.

What is Afterpay?


Afterpay, just like the word itself, is a service that works based on Buy Today and pay later. Afterpay caters to both online and day-to-day store shoppers. They partner with different online retailers like eBay to make this service effective.

Although  Amazon does not allow customers to use this payment method directly, there is still a way to surmount and make it happen. This service is best for purchasing goods worth huge amounts because it allows you to pay in installments.

Does Amazon Have Afterpay?

Does Amazon Have Afterpay

Amazon does not accept Afterpay as a direct payment method. However, there is a workaround that involves using the Afterpay app or adding Amazon to Google Wallet. This allows one to divide  Afterpay installments, but it may not work for all goods or locations. Before making transactions, review both terms and conditions of Afterpay and Amazon.

How Does Afterpay Work?

To use Afterpay, register an account and link your debit or credit card. At checkout, choose Afterpay as your payment option. 25% of the total price is paid upfront, with the remaining 75% debited automatically every two weeks. Afterpay's approval criteria consider available cash, payment history, transaction cost, and open Afterpay orders.

Why Does  Amazon Refuse the Use of Afterpay?

Amazon prohibits Afterpay usage due to a lack of contracts and business strategy benefits. Some sources suggest that Afterpay is less popular than PayPal or Payoneer, making it unlikely to be included on the company's website. Instead, Amazon may focus on its payment options, such as Amazon Pay and Amazon Credit Card, which offer rewards, discounts, and flexible payment options.

Also, Amazon avoids using Afterpay due to potential risks and difficulties, such as fraud, chargebacks, and refunds which negatively impact Amazon's earnings and reputation. Amazon aims to maintain high standards for customer satisfaction and support.

In addition, Amazon's large and loyal customer trusts its brand and products, which makes it unlikely that using Afterpay is necessary to attract or retain customers. Unlike other online shops, Amazon's quick shipping makes it stand out. Therefore, Amazon may not consider using Afterpay necessary to boost sales or market share.

How to use Afterpay on Amazon

Here are the steps you need to follow:

Step 1: Register for an Afterpay account and connect your credit or debit card.

Step 2: Use Amazon to shop and add the items you desire to your cart.

Step 3: Launch the Afterpay app, then select Buy Now. The Pay Later

Step 4: Enter your total order price, including taxes and delivery costs.

Step 5: Get an Afterpay one-time use credit card number and confirm your payment plan.

Step 6: Return to Amazon and complete the checkout by entering your payment card information. Make sure it's different from your default card.

Step 7: Order now and have pleasure in your purchases

Are There Any Restrictions on Afterpay?

You should be aware of some restrictions on Afterpay before using it.

  • Order and account limits: Afterpay has minimal order and account restrictions, with a $2000 outstanding account limit and $1500 per transaction maximum. These restrictions vary by retailer and store.
  • Restricted goods: Afterpay prohibits selling certain items, including alcohol, guns, gambling, pornography, gift cards, cosmetics, and health items. A complete list can be found on their website.
  • Late fees: $8 are charged for missed payments or insufficient funds in U.S. accounts. These fees may be capped at 25% of the order value. To avoid late fees, check the account balance and payment schedule before purchasing with Afterpay.

What Are the Benefits of Using Afterpay?

What are the benefits of using Afterpay

There are several benefits of using Afterpay for both customers and merchants, such as:

  • Seamless integration within the store: Afterpay integrates into online retailer checkouts, simplifying impulsive buying by allowing customers to choose Afterpay as their payment method.
  • Fast, easy approval process: Afterpay accounts are quick and easy to set up, with customers providing their name, email, phone number, and payment information without a lengthy application or credit check.
  • Interest-free terms: Paying bills on time avoids interest and late fees, saving consumers money compared to credit card usage with interest and fees.
  • Staggered payment plan: Customers can pay for purchases in four equal installments, due every two weeks, to manage cash flow and budget better.

What Are the Advantages of Afterpay

Here are some of the advantages associated with Afterpay:

  • Improved affordability: Afterpay provides financial flexibility for customers to buy high-ticket items by breaking the total cost into four equal installments over six weeks, enabling a wider range of consumers to access these products.
  • Interest-free payments: Afterpay charges no interest or fees for timely payments. Customers can spread payments without additional costs.
  • Convenience and ease of use: Afterpay offers a seamless, user-friendly experience for online and brick-and-mortar purchases, with integrated digital wallet functionality for easy payment management and installment planning.
  • Increased conversion rates for retailers: Afterpay increases sales for merchants by enabling installment payments, increasing cart values, and attracting more customers. Implementing Afterpay can improve conversion rates and customer satisfaction.

Disadvantages of Afterpay

Afterpay comes with several disadvantages that users should consider:

  • Increased Spending and Impulse Buying: Afterpay allows customers to make purchases without immediate payment, potentially promoting impulsive spending. Poor budgeting and financial planning can lead to overspending and debt accumulation.
  • Potential Debt Accumulation: Afterpay doesn't charge interest on purchases but may impose late fees if payments are missed or delayed. Users risk debt and stress if they manage multiple installment payments on the platform, potentially affecting their financial status.
  • Limited Merchant Acceptance: Merchants may not accept Afterpay, limiting consumer options and forcing them to seek alternative payment solutions, potentially making it inconvenient for consumers.


Amazon does not support Afterpay as a direct payment method for its website purchase. Even so, the Afterpay app can be integrated with Amazon for purchases. Before using these methods, customers should know the terms and conditions, as they may have restrictions and hazards. This article has helped you understand possible ways to use the afterpay method with Amazon.

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