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​​Accept Payments with Afterpay on Square Online

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.

You can also learn more about accepting payments on Square Online for more information on all of your online payment options.

Fees and Promotions

Sales made using Afterpay carry only one transaction fee on the total purchase – not on each instalment. There are no fees charged on the remaining instalments, and no other monthly fees or activation costs.

Through December 31, 2022, you’ll pay the same 2.9% + 30¢ transaction fee for Afterpay transactions as you do on all Square Online orders (2.6% + 30¢ per transaction if on the Premium plan). There’s no additional setup cost or monthly fee.

Note: Sellers who have custom pricing for Square Online lower than the standard transaction fee will get 2.9% + 30¢ during this promo (2.6% + 30¢ if on the Premium plan).

Get early access to Afterpay

To get early access and enable Afterpay on your Square Online site today:

  1. From your Account & Settings page, go to Business information > Payment methods.
  2. Select Enable now under the Afterpay option.

If you don’t enable Afterpay, Afterpay will be automatically enabled on all eligible Square Online sites over the next few weeks, starting on October 24, 2022. You won’t have to take any action to offer it, and you can turn it off at any time.

Opt out of Afterpay

To opt out of automatically accepting Afterpay payments on your Square Online site:

  1. From your Account & Settings page, go to Business information > Payment methods.
  2. Select Opt out under the Afterpay option.

You can enable Afterpay again in the future at any time.

Note: The normal fee for Afterpay transactions on Square Online is 6% + 30¢ per order, which is the standard BNPL rate that Afterpay charges merchants. Afterpay rates are fixed, and do not vary by subscription type, hardware or custom pricing.


Eligibility for Afterpay is dependent on numerous factors, including how your business is structured and what you sell. Here are some notes to keep in mind:

  • Sellers must be in an approved merchant category

  • Sellers must be based in Canada

  • Sellers cannot have multiple Tax Identification Numbers (TINs) or Business Numbers (BNs)

  • Local delivery orders not supported

  • Self-serve (QR) ordering not supported

  • Item or cart totals outside of the eligible purchase range not supported

  • Restricted digital goods or services not supported

  • Cross-border orders not supported at this time

We’ll work to expand availability of Afterpay over time to give more sellers the opportunity to enable it on their sites. Review our Afterpay Merchant Terms for more information on eligibility, merchant categories and more.

Enable or Disable Afterpay

To enable or disable Afterpay payments on your Square Online site:

  1. From your Account & Settings page, go to Business information > Payment methods.

  2. Under Afterpay, select ••• > Edit settings.

  3. Toggle the Online option on or off, then select Save when finished.

When toggled on, you can offer Afterpay online acceptance where customers can pay for online orders between $1 to $2,000. If toggled off, customers can’t use Afterpay to check out.

Note: The setting for online payments with Afterpay is global and applies across all Square products that can also take Afterpay payments online. This includes other online platforms such as Square Online Checkout and Virtual Terminal. There isn’t a way to disable Afterpay only for Square Online at this time.


To learn more, check out the accepting payments with Afterpay on Square Online FAQ.

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