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Home>Afterpay Overview

Afterpay and Square

Afterpay is a buy now, pay later (BNPL) payment option that allows customers to pay for their purchases in four interest-free installments. Merchants get paid in full – immediately. 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.

In-Person

Afterpay in-person acceptance is available straight away—no additional integration is required.

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:

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.

Learn more about sending Square Invoices online.

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.

Features

  • 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.

Promotional Period

There are no monthly fees or startup costs to start processing Afterpay with Square. You only pay processing fees when you make a sale. To help you start using Afterpay in-person, you will be able to test out Afterpay across select Square products at a discounted rate.

Product Promotional pricing Promotion End Date
In-person (Including Square POS, Retail POS, Restaurants POS, and Appointments POS) 2.6% + 10¢ 10 September 2022
Square Invoices 6% + 30¢ -
Virtual Terminal (card not present) 6% + 30¢ -
Connected Square Terminal to Virtual Terminal (card present) 2.6% + 10¢ 10 September 2022
Square Online 6% + 30¢ -
Square Online Checkout 6% + 30¢ -

After our promotions, Afterpay processing fees will be 6% + 30¢ across Square Online, In-Person and Invoices.

Note: 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 for Retail POS, Square for Restaurants POS or Virtual Terminal, you will need to visit Payment Methods via a web browser to enable/disable Afterpay.

Square Dashboard

  1. Go to Account & Settings from 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.

Note: Once you’ve enabled Afterpay in-person, customers can pay via their Afterpay Card on Square, Appointments, Retail, Invoices 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, Restaurants, Invoices or Virtual Terminal, visit the Payment Methods setting from your online Square Dashboard to enable/disable Afterpay.

Square POS App - Settings - Payment - Afterpay - AU

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

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

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