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Afterpay and Square

Afterpay is a buy now, pay later (BNPL) payment option that allows customers to pay for their purchases over time with transparent spending limits. Customers can choose to pay for in-person or online orders in four interest-free installments over six weeks. With Square Invoices, customers can choose to Pay Monthly over 6 or 12 months for larger online purchases, with interest. If you're eligible to accept Afterpay on your Square account, you can process Afterpay payments:

Square Online

Your Square Online website will be automatically enabled for Afterpay transactions between $1 to $2,000. Accepting Afterpay will enable you to boost online sales, increase average cart size and attract new customers. No additional integration is required.

Learn more via our Square Webinars: Afterpay YouTube video.

Square Online Checkout

You can create payment links with Square Online Checkout, allowing customers to select Afterpay as a payment method for transactions between $1 to $2,000.


Afterpay in-person acceptance is available straight away—no additional integration is required.Square-Afterpay-US-EN-1

Your Square hardware will automatically allow customers to pay for in-person goods and services using their contactless Afterpay Card via digital wallets such as Apple Pay, Google Pay or Samsung Pay.

Afterpay in-person acceptance is currently available with:

Square Invoices

With Square Invoices, you can enable Afterpay acceptance when sending digital invoices and estimates via your online Square Dashboard, Square POS app or Square Invoices app. Customers can pay via the following payment options:

  • Afterpay Pay in 4 (for invoices between $1.00 - $2,000)
  • Afterpay Pay Monthly (for invoices between $400 - $4,000)

Learn more about sending Square Invoices online and accepting Afterpay with Square Invoices.

Virtual Terminal

With Virtual Terminal, you can send payment links directly to your customers via text message. Customers can open the link to checkout via Afterpay.

Learn how to send a payment link with Virtual Terminal.

Learn more about processing Afterpay payments via our Square Online FAQ, In-Person FAQ or watch our YouTube video below.


  • Give your customers more payment flexibility at checkout and see how your online and in-person sales can grow.

  • Afterpay customers spend 40% more per transaction and shop 50% more frequently than traditional customers.

  • Afterpay drives new business for merchants by sending out over 1M referrals globally every day.


Enabling Afterpay with Square is free—there are no monthly fees or startup costs. The Afterpay processing fee is 6% + 30¢ per Afterpay order across all Square products that accept it.

  • Square sellers using Afterpay get paid the full amount at the time of purchase, minus a processing fee on the total order.

  • 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.

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

Enable or Disable Afterpay

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.

If you're using Square Restail POS, Square for Restaurants POS or Virtual Terminal, visit Payment Methods via a web browser to enable/disable Afterpay.

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, customers can pay in-person via their Afterpay Card on Square POS, Appointments, Retail, Restaurants and Invoices app. Customers can also pay via Virtual Terminal, Square Online and Square Online Checkout.

To see if you are eligible for Afterpay, visit our Square Online eligibility and In-Person eligibility.

Afterpay and Square FAQ

Read the following articles to learn more about Afterpay acceptance: