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SPECIFICTION
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Afterpay

afterpay.com

Free plan WebiOSAndroidAPI
Visit afterpay.com
Spec score 8.1 #7 of 26 in Buy Now, Pay Later Platforms

What it is

Afterpay lets eligible shoppers pay in installments at partner brands and shop online or in-store. Pay in 4 takes the first payment upfront and spreads the remaining payments across six weeks; the listed plan costs nothing and requires eligibility. The app lets customers track payments, reschedule payment dates, explore recommendations and deals, and create shopping lists. For in-store purchases, customers can set up the digital 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 needs no additional hardware. The Business Hub brings transactions, settlements and reporting together. Integrations include e-commerce, payments and content-management platforms, as well as iOS and Android SDKs and API options. Afterpay is available on Android, iOS, web and API. U.S. customers must be at least 18, reside 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, and some transactions may carry a finance fee. Afterpay states that it is a PCI-DSS Level 1 certified service provider and an ISO/IEC 27001 certified organisation.

Spec sheet

What it does
Afterpay lets eligible shoppers pay in four installments at partner brands and shop online or in-store.Read 30 Sep 2026 · afterpay.com
Integrations
Afterpay offers integrations with e-commerce, payments, and content-management platforms, plus iOS and Android SDKs and bespoke API options.Read 30 Sep 2026 · afterpay.com
Support
The U.S. Help Center offers 24/7 in-app chat and phone support daily from 8 AM to 9:30 PM ET.Read 30 Sep 2026 · afterpay.com
Founded
2014Read 28 Sep 2026 · afterpay.com
App features
The app lets customers track payments, reschedule payment dates, explore recommendations and deals, and create shopping lists.Read 30 Sep 2026 · afterpay.com
Eligibility
U.S. customers must be at least 18, reside in the U.S., and meet additional eligibility criteria.Read 30 Sep 2026 · afterpay.com
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.Read 30 Sep 2026 · afterpay.com
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.Read 30 Sep 2026 · afterpay.com
Payment reminders
Afterpay says it sends payment reminders and caps late payments; Pay in 4 has no late fees when paid on time.Read 30 Sep 2026 · afterpay.com
Payment schedule
Pay in 4 takes the first payment upfront and spreads the rest over six weeks.Read 30 Sep 2026 · afterpay.com
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.Read 30 Sep 2026 · afterpay.com
Retailer tools
Afterpay Business Hub brings transactions, settlements, and reporting into one place.Read 30 Sep 2026 · afterpay.com
Security compliance
Afterpay states it is a PCI-DSS Level 1 certified service provider and an ISO/IEC 27001 certified organisation.Read 30 Sep 2026 · afterpay.com

Plans and prices

Pay in 4 Free 4 interest-free installments over six weeks · first payment upfront · eligibility required Read 30 Sep 2026 · afterpay.com
Pay monthly Price not published 6–12 months · a finance fee may apply · eligibility required Read 30 Sep 2026 · afterpay.com

Every Afterpay plan and price →

Strong points and limits

Strong points

  • Pay in 4 spreads installments over six weeks.
  • Customers can track payments in the app.
  • In-store checkout works with existing point-of-sale equipment.
  • Business Hub combines transactions, settlements and reporting.

Limits

  • Eligibility is required for Pay in 4.
  • Late fees may apply.
  • Some transactions may have a finance fee.
  • U.S. customers must be at least 18.

Who it suits

Pay in 4 is for eligible shoppers who want to split purchases at partner brands. Retailers can use Afterpay for online, in-store or in-app checkout and access transaction, settlement and reporting tools.

Verdict

Afterpay combines shopper installment payments with retailer checkout and reporting options. Review eligibility and possible fees; Pay in 4 avoids late fees only when payments are made on time.

Where Specifiction places it

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