Accept In-Person Payments with Afterpay and Square
Afterpay is a buy now, pay later (BNPL) payment method that allows customers to pay for in-person transactions in four interest-free instalments over six weeks. Merchants get paid in full—immediately. Afterpay in-person acceptance is currently available with:
Learn more about the Afterpay in-person and Square integration via our YouTube video below:
Your Square hardware will allow customers to pay for in-person goods and services using their Afterpay Card via a digital wallet such as Apple Pay and Google Pay. Learn more about Afterpay Card and how it works.
Set up is easy—your Square Register, Square Terminal, Square Stand and Square Reader for contactless and chip will automatically be set up so your customers can pay for in-person goods or services as soon as Afterpay is enabled from your online Square Dashboard. No additional integration or hardware setup is required.
Square sellers using Afterpay get paid the full amount at the time of purchase, minus a processing fee on the total order. Enabling Afterpay with Square is free—there are no monthly fees or startup costs. You only pay when you make a sale. No processing fees are charged on the remaining instalments or if your customer makes a late payment.
|Promotion: Payments processed in person will have a discounted processing rate of 1.6% (incl. GST) through Sept 10, 2022. After this promotional period, Afterpay processing rates will be 6% + 30 cents (excl. GST).|
Note: Afterpay rates are fixed and do not vary by subscription type, hardware, or custom pricing.
To see if you are eligible for Afterpay and Square, log into your online Square Dashboard and review your Payment Methods.
Eligibility for Afterpay is dependent on numerous factors, including how your business is structured and what you sell:
Sellers must be in an approved merchant category
Sellers must be based in Australia or the United States
Sellers cannot have multiple Tax Identification Numbers (TINs) or business numbers (such as ABNs)
If Afterpay is available to your business, you can toggle on Afterpay acceptance both Online and In-Person from within this setting. If you are listed as Ineligible, you cannot accept payments using Afterpay at this time.
We are working on expanding Afterpay availability over time to allow more sellers to accept Afterpay within their business. Review our Afterpay Merchant Terms for more information.
Enable or Disable Afterpay
You can enable or disable Afterpay at any time by toggling In-person on/off via your Payment Methods settings.
Once you've enabled Afterpay in-person, customers can pay via their Afterpay Card on Square POS, Appointments POS, Retail POS, and Restaurants POS.
Note: Square in-person acceptance is not yet available with Square Invoices or Square Appointments Online Booking Site. We hope to expand availability soon.
For tips to promote Afterpay in-person at your business, visit our In-Person FAQ.
Accept Afterpay In-Person
Once you've enabled Afterpay, you can accept payments as you normally would with a card, cash, or other payment option.
Add items to cart or enter a custom amount. The total transaction must be between $1.00 and $2,000.
Tap Review sale > Charge.
The customer can open their digital Afterpay Card and simply tap their mobile device to your Square Reader, Square Terminal, Square Stand, or Square Register.
Send a digital receipt via SMS or email or print the receipt as proof of purchase. The customer will also see the transaction via their Afterpay app starting with SQ*.
Note: Your customer can also pay via the Afterpay App. To do so, the customer must tap open the Afterpay App, then tap In-Store > Pay in-store > Pay in-store with Afterpay Card.
Refund Afterpay Transactions
If the customer completed a payment using Afterpay Card and Square hardware, you can issue a full or partial refund within one year of the original transaction date. Learn more about how refunds and returns work at Afterpay via their website.
Learn more about processing refunds via the Square POS app or your online Square Dashboard.