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Accept Afterpay payments with Square Point of Sale

Who is this article for?
Sellers with the account and settings permission to configure checkout settings can enable Afterpay. Sellers with the checkout permission to take payments can charge a payment with Afterpay.

About accepting Afterpay on Square POS

Buy now, pay later — or BNPL — is a payment option where a customer pays off a purchase over time while sellers get paid the full amount immediately. With Afterpay, customers pay in four interest-free installments over six weeks. Customers who use Afterpay spend +40% more and shop +50% more frequently than those who don’t. 

In-person payments with Afterpay are available for transactions of up to $2,000 with Square Point of Sale, Square for Retail, Square for Restaurants, Square Appointments, Square Invoices, Square Virtual Terminal, and on a connected Square Terminal with Virtual Terminal.

Before you begin

  • When customers pay with Afterpay, you will receive the full payment upfront and at no risk to your business. 

  • Afterpay can be used for in-person purchases up to $2000. All remaining payments are handled entirely by Afterpay. If your customer is late or misses a payment, it doesn’t affect your business. 

  • Afterpay makes an instant approval decision at the time of purchase based on the specific consumer and the order, which may result in a customer’s order being declined at the time of transaction. This will be communicated to customers within the Afterpay app.

  • To process Afterpay in-person transactions, customers must Tap-To-Pay via Afterpay Card on their digital wallets such as Apple Pay, Google Pay, or Samsung Pay.

Your business must be in an approved merchant category to enable Afterpay. To see if you’re eligible for Afterpay and to enable it for your business, log in to Square Dashboard and review your Payment Methods. For more information, review our Afterpay Merchant Terms.

Enable Afterpay payments

From Square Dashboard

  1. Log in to your Square Dashboard and go to Settings > Account & Settings.
  2. Click Business information > Payment methods.
  3. Under the Afterpay option, click ••• > Edit settings.
  4. Toggle on In-Person.
  5. Click Save.

From Square Point of Sale

  1. Log in to your Square Point of Sale and tap ≡ More > Settings > Checkout > Payment types.
  2. Tap Configure Afterpay to be directed to Square Dashboard via a web browser.
  3. Toggle on In-Person.
  4. Tap Save.

Accept Afterpay payments in-person

Once you've enabled Afterpay, you can accept payments as you normally would with any other payment option. To start: 

  1. Add items to the 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 or email, or print the receipt as proof of purchase.

The customer will see the transaction via their Afterpay app starting with SQ*.

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