Bring in more business with buy now, pay later.

Let customers pay in instalments, while you get paid upfront with Afterpay. More options for them. More sales for you.

Your customers pay

4 interest-free instalments over 6 weeks.

You get paid

Upfront.

Your customers pay

4 interest-free instalments over 6 weeks.

You get paid

Upfront.

BNPL by the numbers

Offering Afterpay as a BNPL (buy now, pay later) payment option can help increase your average order value and attract new customers – at no risk to your business.

85%

85% of Afterpay customers discovered a new merchant in the last six months.¹

18%

Customers who use Afterpay have an 18% higher average order value.²

1 M

Afterpay makes 1 million merchant referrals every day.³

Always know what you’ll pay.

In Person

Limited Time

1.6% per transaction (incl. GST)

Available until 10 September 2022.
6% + 30 cents per transaction (excl. GST) afterwards.

Online

6% + 30 cents per transaction (excl. GST)

For all Afterpay transactions through Square Online, Square Online Checkout, and Square Web Payments SDK.

Order a marketing kit on us.

Show customers you offer Afterpay. Get your free Afterpay marketing kit, complete with decals and a table tent.

Offer interest-free instalments with Afterpay.

$50
$50
$50
$50

Enabling Afterpay with Square is free. There are no monthly fees or startup costs. You only pay when you make a sale. Give your customers more flexibility at checkout and see how your business can grow.

FAQ

  • How does buy now, pay later work?

    Buy now, pay later, or BNPL, is a payment option where a customer pays for a purchase over time in instalments, while merchants get paid upfront. With Afterpay, Square merchants can let customers pay in four interest-free installments over six weeks.

    See how Afterpay works →

  • How do I set up buy now, pay later?

    The buy now, pay later payment method from Afterpay is available to many businesses in the U.S. and Australia. To see if you are eligible for Afterpay and to enable it for your business, log in to your Square Dashboard and review your Payment Methods.

    If Afterpay is available to your business, you can toggle on Afterpay acceptance both Online and In-Store from within this setting. If you do not see Afterpay available within your Payment Methods, you are ineligible to offer Afterpay at this time. Get more details

  • How much does buy now, pay later cost?

    Merchants using Afterpay get paid upfront at the time of purchase, minus a processing fee on the total order.

    Afterpay Processing Rates

    • Online: 6% + 30 cents (excl. GST).

    • In Person: Payments processed in person will have a discounted Afterpay processing rate of 1.6% (incl. GST) until 10 September 2022. Afterwards, the Afterpay processing rate will be 6% + 30 cents per transaction (excl. GST).

  • What about fraud and chargebacks on BNPL payments?

    The platform is set up so Afterpay takes on the risk of fraud for you so you can focus on growing your business. You will receive the payment upfront and at no risk to your business.

  • What if I don’t want to offer Afterpay to my buyers?

    Afterpay is an optional product that Square offers to sellers. If at any time you decide you do not want to offer Afterpay at checkout, you can turn it off within your Dashboard settings.

    Go to dashboard

  • Do my custom processing rates carry over to Afterpay payments as well?

    All transactions processed through Afterpay will be charged at our standard Afterpay rates. This Afterpay specific rate allows you to get paid upfront, while Afterpay takes on all risk associated with customer fraud and late payments.

    Afterpay Processing Rates

    • Online: 6% + 30 cents (excl. GST).

    • In Person: Payments processed in person will have a discounted Afterpay processing rate of 1.6% (incl. GST) until 10 September 2022. Afterwards, the Afterpay processing rate will be 6% + 30 cents per transaction (excl. GST).

  • How can my customers set up Afterpay?

    Setting up Afterpay is easy. Simply direct your customers here to set up their Afterpay account.

  • How do refunds work with Afterpay?

    If your customer chooses to make a return, they will be refunded their payment amount, and you will refunded any processing fees.

    For details on how to guide a customer to make an in-person Afterpay return, please reference this article.

    How to return Afterpay card purchases