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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 in four installments over six weeks. Merchants get paid in full – immediately.

Afterpay acceptance is currently available In-Person with Square Point of Sale, Square for Retail, Square Appointments, Square for Restaurants and Virtual Terminal.

Compatible Hardware

Your Square hardware—including Square Register, Square Terminal, Square Stand and Square Reader for contactless and chip—will allow customers to pay for in-person goods and services using their Afterpay Card via Apple Pay and Google Pay.

Set up is easy—your Square hardware 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. There are no processing fees charged on the remaining installments or if your customer makes a late payment.

Promotion: Payments processed in person will have a discounted processing rate of 2.6% + 30 cents through Sept 10, 2022. After this promotional period, Afterpay processing rates will be 6% + 30 cents.

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 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 the United States or Australia

  • Sellers cannot have multiple Tax Identification Numbers (TINs)

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 to expand 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 from your online Square Dashboard.
  2. Click Business > Payment Methods.
  3. Next to the Afterpay payment method, click ••• then Edit settings.
  4. Toggle the In-Person setting on/off.

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

Square Dashboard - Account Settings - Payment Methods - AU

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.

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

Square POS App - Settings - Payment - Afterpay - AU

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 must open their Afterpay app and log in.

    1. From the Afterpay App, the customer must tap Card > tap Authorize and pay in-store > tap Pay in-store now with Apple Pay or Google Pay.

  4. Once the customer has authorized the in-person payment via the app, the customer can tap their mobile device to your Square Reader, Square Terminal, Square Stand, or Square Register.

  5. 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*.

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

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

Afterpay and Square FAQ

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

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