You can allow your customers to pay for their purchases over time by using Afterpay post-payment service in your store. Afterpay splits the cost of order into four equal parts so that the buyer can pay off the order over four interest-free payments that are due every two weeks. While customers pay off in instalments, you as a merchant are paid by Afterpay upfront and in full.

Giving customers an alternative way of payment translates to bigger carts and higher conversions and is especially useful if you sell larger price items (you can discuss the order cost limits with your Afterpay account manager, generally it's up to $1000).

Setting up Afterpay in your store

Afterpay is available in Australia, New Zealand, Canada and the United States. It supports AUD, NZD, CAD and USD currencies respectively.

To enable Afterpay payment method in your store:

  1. Register an Afterpay retailer account and wait till it gets verified.
  2. From your store admin panel, go to Payment.
  3. Click Connect Afterpay.


Or scroll down and select Afterpay from the Choose Payment Method dropdown.

  1. Enter your Afterpay credentials - Merchant ID and Secret Key.


You can obtain your Afterpay credentials in the Settings > Integrations section of your Afterpay account. If you do not see your merchant account credentials there, contact your account manager at Afterpay or Afterpay support team for assistance.

  1. Enter the display name for this payment method at checkout (this name will appear in order details, too) or keep the suggested name:


  1. Keep the Enable this payment method at checkout toggle on to offer this payment method to your customers at checkout.
  2. Edit or use the suggested instructions on how to pay via this payment method in your store. Customers will see it at checkout after choosing this payment method for their order:


  1. Save the changes.

That’s it. Customers can now pay in instalments for orders that fall in the order cost range that you agree on with your Afterpay account manager (generally, $30 – $1000).

Since not every order will qualify for Afterpay financing and some orders may exceed the maximum order cost limitation in your Afterpay account, we recommend adding different online payment methods to ensure everyone can check out.

Customer experience

The possibility to pay in instalments is available to orders that fall in the order cost range that you agree on with your Afterpay account manager (generally, $30 – $1000). Afterpay splits the order total (the sum of the product price, shipping cost, taxes, etc) into four equal parts that can be paid off by buyers over time, free of interest.

If a product price is inside your order cost range (e.g., $30 – $1000), customers will see in that product’s page that they can pay for this purchase in instalments:


When the buyer proceeds to the checkout, the instalments are recalculated to factor in the updated order cost if it’s changed due to shipping costs, applied discounts, taxes, etc.

In case a product price is lower than your minimum order cost (e.g., $30) but the order total is higher (due to the shipping cost, for instance), the Afterpay post-payment offer will not be displayed on the product page but Afterpay will still be offered for such order as a payment method at checkout.


To pay for their order in instalments, first-time buyers will be directed to the Afterpay website to register and provide credit card details. If they’ve used Afterpay before, they must simply log in to Afterpay and complete their purchase.

Buyers will pay the first part right at checkout and will need to pay the other three parts every 2 weeks. At any time, buyers can check their payment schedule in their Afterpay accounts.

While customers pay for their orders to Afterpay in instalments, you as a merchant receive the full amount from Afterpay the next day after the order is placed.


How Afterpay instalments are calculated?

Afterpay checks if the order is inside the order cost range that you agree on with your account manager (e.g., $30 – $1000), then it breaks the order cost into four equal parts. The order cost is the total sum of the product price, shipping costs, and tax rates. If the order total changes during the shopping process, the instalment payments are recalculated by Afterpay at checkout.

What orders qualify for Afterpay financing?

Buyers’ cart value must be inside your Afterpay account's order cost range (generally, $30 – $1000) to qualify for instalments. Besides, before giving an instant approve to a buyer, Afterpay considers various factors, e.g. if it is a new or repeat user of Afterpay service, whether there are sufficient funds for the first instalment amount on their credit card, how many “open” orders they have with Afterpay, etc.

What other financing options can I offer to my customers?

You can also use PayPal Credit or Clearpay to offer financing options to your customers.

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