In the United States and Australia, Afterpay charges merchants 4.00% to 6.00% + $0.30 (or A$0.30) per transaction for its flagship Pay in 4 installment model.

How does Afterpay's Pay in 4 model work for merchants? ▼

The customer pays 25% at checkout and the remaining 75% in three bi-weekly installments. The merchant receives 100% of the purchase amount upfront (minus Afterpay fees) within 1–2 business days.

Does Afterpay retain merchant processing fees when orders are refunded? ▼

Yes. In accordance with standard BNPL industry terms, Afterpay does not refund original merchant processing commissions when a full or partial refund is processed.

What is Afterpay's typical Average Order Value (AOV) cap? ▼

Afterpay is primarily tailored for everyday retail and fashion purchases, with typical order limits between $35 and $1,500 depending on individual shopper repayment history and credit tier.

Can retail store merchants accept Afterpay in-person at POS? ▼

Yes. Merchants can accept Afterpay in-store through digital wallet NFC contactless taps (Apple Pay / Google Pay Afterpay Card) or by integrating directly into Square POS terminals.

How does Clearpay in the UK and Europe differ from Afterpay? ▼

Clearpay is Afterpay's European brand name operating in the UK. Merchant rates range from 4.0% to 6.0% + £0.30 in GBP, complying fully with UK FCA consumer credit directives.

Does Afterpay report customer missed payments to credit bureaus? ▼

Afterpay charges modest late fees to consumers who miss installment deadlines, but historically does not perform hard credit inquiries or report standard Pay in 4 repayments to credit bureaus.

How does Afterpay cross-border selling work for international e-commerce? ▼

Afterpay's Cross-Border Trade program allows merchants in the US, Australia, UK, and Canada to accept orders from foreign shoppers, with Afterpay handling automated real-time currency conversion.