​​Accept Payments with Afterpay on Square Online FAQ

Afterpay and Square

Bring in more business with buy now, pay later.

Afterpay is a buy now, pay later (BNPL) service that allows customers to pay for online orders in four interest-free payments over six weeks. You get the full amount—up front.

Afterpay requires no additional integration with your Square Online site. You’ll be automatically enabled to use Afterpay so you can boost online sales, increase average cart size, and attract new customers. Learn more about how Afterpay works on their website or via our YouTube video below:

You can also learn more about accepting payments on Square Online for more information on all of your online payment options. For information on Afterpay fees, eligibility, and enabling it on your site, take a look at accepting payments with Afterpay on Square Online.

Afterpay and Square Online

How does Afterpay work with Square Online?

With Afterpay enabled for your website, your customers can order online and check out as usual. When they get to your checkout page, they can select the Afterpay option and sign in to their Afterpay account to complete and pay for their order. The first payment is due at checkout and the final three payments are due every two weeks starting from the purchase date. All instalment payments are interest-free.

For example, if a total order costs $100, the buyer will pay the first $25 upon completion of the transaction. Then, they’ll pay $25 every two weeks from the transaction date until the order total is paid off. This means the buyer will complete their payments six weeks from the transaction date.

What are the benefits of using Afterpay?

There are many BNPL providers on the market, but what sets Afterpay apart is their one transparent solution to shoppers with no interest, no hidden fees and no catch. Afterpay already comes integrated with Square eCommerce products, so you can start accepting payments in minutes.

Do I need to sign a separate contract to use Afterpay?

No, there isn’t a separate contract to sign. You can disable Afterpay at any time. If you choose to use Afterpay, you must agree to the Afterpay Merchant Terms.

What are the risks of using Afterpay?

The platform is set up so Afterpay takes on the risk of fraud for you, so you can focus on growing your business.

Will my business be highlighted in the Afterpay Shop?

Square Online websites won’t initially be listed in the Afterpay Shop, but we’re working on allowing select sellers to easily list their storefront and products on the Afterpay app in the future.

Are there any marketing resources I can use to advertise that I accept Afterpay?

Yes, Afterpay offers several marketing resources on their website for you to use and get started.

Square Online Payments, Orders, and Items

How do I get paid for orders paid with Afterpay?

You’ll get paid the full amount at the time of purchase, minus the transaction fee on the total order. There are no processing fees charged on the remaining instalments, and no other monthly fees or activation costs.

How do I manage refunds for orders paid with Afterpay?

Orders can be refunded from the Order Manager or Square Online Overview page in your Square Dashboard, as well as the Order Manager in your Square POS, just like any other order. Your customers will receive an email from Afterpay confirming the details of the refund. Learn more about Afterpay refunds in their support centre.

Note: A refund can only be processed for an Afterpay payment taken within 120 days.

What is an eligible purchase range?

Eligible purchase range refers to the prices for which Afterpay is available to buyers on your Square Online site. There’s an eligible purchase range for order totals and one for individual items. The default ranges in your account are based on what type of business you have.

Can I adjust the eligible purchase range for Afterpay on Square Online?

Yes. To adjust the eligible purchase range for Afterpay payments through Square Online:

  1. From your Square Online Overview page, go to Settings > Checkout or Shared Settings > Checkout.
  2. Under Afterpay, select Edit to adjust the eligible purchase range.
  3. Set a minimum and maximum price for both order totals and individual items. Note: The maximum cannot exceed $2,000.
  4. Select Save when finished.

What happens if my customer’s order total is outside of the eligible purchase range?

When the order or item total is outside of the eligible purchase range, Afterpay won’t be shown as a payment option to buyers on your Square Online site.

Can I make Afterpay available only for certain items?

Not at this time. However, we look forward to introducing more control of Afterpay availability in the future.

What if my customer is late on their payments? Does that affect me?

All remaining payments are handled entirely by Afterpay, so if your customer is late or misses a payment, it has no effect on you. If your customer asks, you can direct them to contact Afterpay for more information.

Afterpay and Square Online Disputes

How do I manage disputes and chargebacks with Afterpay?

One of the inherent risks of accepting Afterpay in-person payments through Square is receiving a payment dispute, also commonly known as a chargeback. It is important for your business to understand how the dispute process works at a high level and what parties are involved.
When your customer initiates a dispute when products are not received:

  1. The account holder on your Afterpay account will receive an email to submit an Information Request form for you to respond within 7 days to accept or challenge the dispute. Note: Funds from the disputed payment will be on hold during this process.
  2. If you’re challenging the dispute and submit the form, Square will collect the evidence you provide and send it to Afterpay.
  3. Afterpay decides whether the dispute has been won or lost.
    • If you have won the dispute, you will be notified and refunded from your Square balance.
    • If you have lost the dispute, you will be notified and the customer will be refunded.

This process may take up to 30 days to review. You can view the status of your dispute at any time from the Information requests section on your online Square Dashboard. You can also access the form via your Square Point of Sale app by tapping ≡ More > Settings > Information Requests.

Afterpay and Other Square Products

Can Afterpay be used to book Appointments on Square Online?

Accepting Afterpay for Square Appointments booked through Square Online sites isn’t possible at this time.

For in-person appointments, your customers can check out from your point of sale using their Afterpay Card via Apple Pay or Google Pay. Learn more about accepting in-person payments with Afterpay and Square.

Can Afterpay be used to purchase Gift Cards on Square Online?

Currently, customers cannot purchase Square Gift Cards using Afterpay on Square Online. In the meantime, your customers can apply a gift card via your Square Online site before checking out with Afterpay to pay for the remaining balance.

Can Afterpay be used with Square Loyalty?

Yes. If your customer joined your Square Loyalty program, they’ll receive the corresponding Loyalty points for their entire Square Online transaction. Loyalty rewards, gift cards and vouchers can all be used with Afterpay as long as the remaining cart balance is still within the eligible purchase range.

Afterpay Buyer Experience

How does Afterpay work?

As a buyer, you’ll add items to your cart as usual. Once you opt to check out, you can select the Afterpay option to pay for your order in four instalments. Learn more about how Afterpay works on their website.

How do I know if I can use Afterpay?

Learn more about who can use Afterpay in their support centre.

Can I use Afterpay through my digital wallet?

Afterpay transactions on Square Online can’t be made through digital wallets such as Apple Pay or Google Pay at this time. You can use Afterpay in-store from your digital wallet with Square merchants.

How will my refund request be processed?

When you request a refund from a Square seller, they’ll process the refund on their end and the amount returned to you will come from Afterpay. Questions regarding your refund, outside of requesting it, should be directed at Afterpay. You can also learn more about Afterpay refunds in their support centre.

How can I get support for a purchase made using Afterpay?

For questions about a purchase made through Afterpay, contact Afterpay directly through their support centre or review their support articles. They’ll be able to assist you with your questions about your payment schedule, late fees, refunds and more.

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