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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 para Tiendas, Citas Square, Square para Restaurantes and Terminal virtual.

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.

Promoción: los pagos procesados en persona tendrán una tarifa de procesamiento con descuento de 2.6% + 30 centavos hasta el 10 de septiembre de 2022. Después de este período promocional, las tarifas de procesamiento con Afterpay serán de 6% + 30 centavos.

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 Condiciones para comercios que usan Afterpay for more information.

Enable or Disable Afterpay

You can enable or disable Afterpay at any time by toggling In-person on/off via your Formas de pago settings.

Panel de Datos Square

  1. Ve a Cuenta y configuración en el Panel de Datos Square en línea.
  2. Haz clic en Negocio > Formas de pago.
  3. Junto a la forma de pago Afterpay, haz clic en •••, luego en Editar ajustes.
  4. Activa o desactiva el ajuste En persona.

Nota: Una vez que hayas activado Afterpay en persona, los clientes podrán pagar con su Tarjeta Afterpay en el PDV Square, el PDV de Citas, el PDV para Tiendas y el PDV para Restaurantes.

Panel de Datos Square - Configuración de cuenta - Formas de pago - AU

Aplicación Square

Puedes activar o desactivar Afterpay para las transacciones en persona en la aplicación PDV Square y Citas Square directamente desde tu aplicación o el Panel de Datos Square en línea.

Desde tu aplicación PDV Square o Citas Square:

  1. Pulsa ≡ Más > Ajustes > Proceso de pago > Pago.
  2. En Todas las formas de pago, pulsa Configurar Afterpay. Esto te redirigirá al Panel de Datos mediante un navegador web.
  3. Activa o desactiva el ajuste En persona.

Si utilizas el PDV de Square para Tiendas, el PDV de Square para Restaurantes o la Terminal virtual, ve al ajuste Formas de pago en el Panel de Datos Square en línea para activar o desactivar Afterpay.

Aplicación PDV Square - Ajustes - Pago - 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 cómo procesar reembolsos via the Square POS app or your online Square Dashboard.

Learn more about processing Afterpay via our Preguntas frecuentes sobre Ventas en línea Square or Preguntas frecuentes sobre los pagos en persona. 

Afterpay and Square FAQ

Learn more about processing Afterpay via our Preguntas frecuentes sobre Ventas en línea Square or Preguntas frecuentes sobre los pagos en persona.