Bring in more business with buy now, pay later.

Boost online sales with instalment payments from Afterpay, included with Square’s eCommerce products.

Your customers pay

4 interest-free installments over 6 weeks.

You get paid

In full, immediately.

Your customers pay

4 interest-free installments over 6 weeks.

You get paid

In full, immediately.

BNPL by the numbers

Offering Afterpay as a BNPL (buy now, pay later) payment option can help boost your sales and attract valuable customers — at no risk to your business.

40%

Afterpay customers spend 40% more per transaction than traditional customers.¹

50%

Afterpay customers shop 50% more frequently than traditional customers.¹

1 M

Afterpay has over 20 million active customers around the world.²

Always know what you'll pay.

In Person and Online

6% + 30 cents per transaction

For all in person Afterpay transactions and through Square Online, Square Online Checkout, and Square Web Payments SDK.

Order a marketing kit on us.

Show customers you offer Afterpay. Get your free Afterpay marketing kit, complete with decals and a table tent.

Offer interest-free installments with Afterpay.

$50
$50
$50
$50

Enabling Afterpay with Square is free. No monthly fees or startup costs. You only pay when you make a sale. Give your shoppers more payment flexibility at checkout and see how your sales can grow. Choose the leading BNPL payment solution. Accept Afterpay today.

FAQ

  • How does buy now, pay later work?

    Buy now, pay later, or BNPL, is a payment option where a customer pays for a purchase over time in installments, while merchants get paid in full. With Afterpay, Square merchants can let customers pay in four interest-free installments over six weeks.

    See how Afterpay works →

  • How do I set up buy now, pay later?

    The buy now, pay later payment method from Afterpay is available to many businesses in the US and Australia. To see if you are eligible for Afterpay and to enable it for your business, log into your Square Dashboard and review your Payment Methods.

    If Afterpay is available to your business, you can toggle on Afterpay acceptance both Online and In-Store from within this setting. If you do not see Afterpay available within your Payment Methods, you are ineligible to offer Afterpay at this time. Get more details.

  • How much does buy now, pay later cost?

    Merchants using Afterpay get paid in full at the time of purchase, minus a processing fee on the total order.

    Afterpay Processing Rates

    • Online: 6% + 30 cents.

    • In Person: Payments processed in person will have a discounted Afterpay processing rate of 2.6% + 30 cents through September 10, 2022. Afterwards, the Afterpay processing rate will be 6% + 30 cents.

  • What about fraud and chargebacks on BNPL payments?

    The platform is set up so Afterpay takes on the risk of fraud for you so you can focus on growing your business. You will receive the full payment and at no risk to your business.

  • What if I don't want to offer Afterpay to my buyers?

    Afterpay is an optional product that Square offers to sellers. If at any time you decide you do not want to offer Afterpay at checkout, you can turn it off within your Dashboard settings.

    Go to dashboard ->

  • Do my custom processing rates carry over to Afterpay payments as well?

    All transactions processed through Afterpay will be charged at our standard Afterpay rates. This Afterpay specific rate allows you to get paid in full, while Afterpay takes on all risk associated with customer fraud and late payments.

    Afterpay Processing Rates

    • Online: 6% + 30 cents.

    • In Person: Payments processed in person will have a discounted Afterpay processing rate of 2.6% + 30 cents through September 10, 2022. Afterwards, the Afterpay processing rate will be 6% + 30 cents.

  • How can my customers set up Afterpay?

    Setting up Afterpay is easy. Simply direct your customers here to set up their Afterpay account.

  • How do refunds work with Afterpay?

    If your customer chooses to make a return, they will be refunded their full payment amount, and you will refunded any processing fees.

    For details on how to guide a customer to make an in-person Afterpay return, please reference this article.

    How to return Afterpay card purchases ->

Late fees may apply. Eligibility criteria apply. See afterpay.com for full terms.

¹“Quantifying The Incremental Impact of Afterpay” Mastercard 2021 (figures based on US data).
²Afterpay FY21 Results (figures based on US data)