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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:

Compatible Hardware

Your Square hardware will allow customers to pay for in-person goods and services using their Afterpay Card via digital wallets such as Apple Pay and Google Pay. Learn more about Afterpay Card and how it works.

Setup 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 6% + 30c (excl. GST) when you make an Afterpay sale. No processing fees are charged on the remaining instalments or if your customer makes a late payment.

Note: Afterpay rates are fixed and do not vary by subscription type, hardware or custom pricing.


To see if you are eligible for Afterpay in-person acceptance and Square, log in to 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

  • 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.

Square Dashboard

  1. Go to Account & Settings on your online Square Dashboard.
  2. Click Business information > Payment methods.
  3. Next to the Afterpay payment method, click ••• then Edit settings.
  4. Toggle the In Person setting on/off.
  5. Click Save.

Note: Once you’ve enabled Afterpay in-person, customers can pay via their Afterpay Card on Square, Appointments, Retail, Invoices and Restaurants POS.


Square App

To enable or disable Afterpay for in-person transactions on Square POS app and Square Appointments app, you can enable/disable Afterpay directly from your app or online Square Dashboard.

From your Square POS app or Square Appointments app:

  1. Tap ≡ More > Settings > Checkout > Payment.
  2. Under All payment types, tap Configure Afterpay. You will be directed to your dashboard via a web browser.
  3. Toggle the In Person setting on/off.
  4. Tap Save.

If you’re using Square Retail POS, Restaurants, Invoices or Virtual Terminal, visit the Payment Methods setting from your online Square Dashboard to enable/disable Afterpay.


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 Appointments Online Booking Sites. 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.

  1. Add items to cart or enter a custom amount. The total transaction must be between $1.00 and $2,000.

  2. Tap Review sale > Charge.

  3. 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.

  4. Send a digital receipt via text message 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.

Full Refunds

If you’ve returned an order in its entirety and the full amount of the order is refunded, any upcoming payments will be cancelled and any payments you’ve already made will be refunded back to the card you paid with.

Partial Refund Example

The same principles apply if you’ve returned a portion of an order and received a partial refund. Let’s use the below example to show how this works.

Order #123456 totalled $100, and the first payment of $25 was made at the time of purchase.

Order #123456 $100 Payment Status
First payment $25 PAID
Second payment $25 Due in two weeks
Third payment $25 Due in four weeks
Fourth payment $25 Due in six weeks

The order total was $100 and a refund of $80 was processed.

However, prior to the second payment being made, items totalling $80 were returned. After the $80 refund was processed, the second, third and fourth payments were cancelled. Additionally, the first payment was retroactively adjusted to $20 and the $5 balance was refunded back to the original card the payment was made with.

Order #123456 $100 Payment Status
First payment $25 Adjusted to $20, refund $5 back to card
Second payment $25 Cancelled
Third payment $25 Cancelled
Fourth payment $25 Cancelled

Learn more about processing refunds via the Square POS app or your online Square Dashboard.

Afterpay and Square FAQ

Learn more about processing Afterpay via our Square Online FAQ, Square Online Checkout or In-Person FAQ.

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