Afterpay: Pay Over Time Customer Service

Afterpay: Pay over time Positive Reviews

ConvenientI can’t tell you how much I love, love and appreciate the convenience of Afterpay payment plan. The economy prices has gone up tremendously, with Afterpay it allows you to get the things you need right away when you can’t afford the full price all at once. It helps as well to keep you from borrowing money from someone and getting yourself in a bind when it’s time to payback. How many ppl do you know will allow you to pay them back in installments? These days everyone need their money back all at once, or don’t have it to loan. With Afterpay you don’t hv to worry about that hassle. This payment plan with Afterpay prevents you from owning anyone but them, not to mention it helps you get what you need right then not wait until you finish paying the full payment. You’re able to pay on the payments by the time you get paid! 😍The absolutely great thing is, if you don’t hv the money when it’s time to pay, you can get a few extension. I needed an expensive car part that I couldn’t afford to pay in full, and get my car fixed all at once. I needed my car to get to work to make money. Thank God for Afterpay convenient payment installments, I was able to get the car part, and afford to get my car fixed all at the same time! Yess! I didn’t have to worry about paying someone back a loan all at one time.. Win, win situation with Afterpay! I absolutely love Afterpay! 😃 I only wish they will allow you to pay a few bills through Afterpay. 😆 Maybe one day.🤞.Southern Sunshine GirlVersion: 1.51.0

Great company!This company is the best! They offer so many different options for shopping. They are very generous with their amounts they offer to customers. I signed up a year ago due the Christmas season as a trial for myself to see if these type of companies are worth using, and let me tell you this is legit. They started me out at 300 at first, which I believed was very fair. I made 2 different purchases for Christmas gifts from different vendors and made the convenient 4 payments. Then after proving myself, as soon as the next month they raised my spending limit significantly. This company is very generous with their credit raises and they are also quick to recognize and reward the customer that presents good payment history. They also have a virtual card that you can use at vendors like Ulta where you can shop in store and make payments that way if you preferred. I haven’t used that feature yet but that too is a great option if you’re out and about shopping. For example,the rewards include having the option of making bigger purchases and paying monthly as well as bi weekly. I have not had any problems with returns either. They are quick to refund any overage amount and you don’t have to wait weeks for the return of funds, it’s immediately refund back to whatever card you used. The payments are small and manageable. This is a great company, I highly recommend! Thank you AfterPay! I’m glad to be a customer!.Shandi WilliamsVersion: 1.72.0

The best to haveI love being part of Afterpay I’ve been with them almost a year now I believe . I had bought something on line and this popped up as a option for me to use so I tried it and was approved at first wasn’t a real big amount like $50 but I was very appriciated for that so I had used it and paid it off like couple or three times and than next thing I looked and it had went up to like $300 than $500 and so on so they really great about increasing ur credit balance and fast too you dnt have to wait 6 months or year to get a increase as long as u use them and pay good few times you’ll see it going up but if I do miss a payment u can loose all so make sure and stay up with them with a reminder even cause they are great to have no interested and before you realize it it’s paid off in full I have use in store purchase and that’s also great I just wish they had more of the in store they only have few that offer that right now but hoping they’ll get more stores to were u can use the in store options never have I had a problem with returns yet either taken care of and fast so of u get a chance to apply for this go for it you won’t regret it it’s the best thing ever I love it and will continue with them as long as they are there .. thanks Afterpay your very appreciated just get some more in store options.Thank u Ty uVersion: 1.105.0

-2 star.Three critiques: 1. I tend to make it so that my payments fall on paydays. no one is getting paid at five in the morning— have payments come out at more realistic times. ‘cause 5am is not realistic. 2. second critique goes in hand with the first— trying to charge another card attached to my account when the card attached to the order didn’t go through. you’re trying to charge a card at five in the morning— of course the card declined. there’s a reason the order was attached to the card it was attached to. please don’t try to charge a completely unrelated card. 3. better rewards/“gifts”. I make on-time— and most of the time— early payments on my installments often. afterpay can’t offer anything better than subscriptions and money off brands you’ve never heard of and have no interest in exploring? you should be getting discounts off brands users actually purchase from. edit: removed one more star because autopay. there needs to be an option in the settings to turn this off INDEFINITELY. I had a payment due on Tuesday moved to Wednesday because Wednesday is the day I get paid and I wanted to pay with a different card associated with the order. well— afterpay beat me to it and charged the card I didn’t want to pay with. I shouldn’t have to remember to keep turning the toggle off every time I place an order. it would be a lot more helpful if the toggle was just in the overall app settings..Avek.Version: 1.105.0

Fantastic Idea Verses CC Debt!This popped up when I was making a purchase online from somewhere else and decided to go ahead and apply… I was immediately approved for $300 of credit line and when I paid that off, I turned around and bought a pair of pants that I’ve been dying to get from White House Black market! My favorite turquoise pants ever that were over $200! It makes it extremely easy to get what you want when you don’t have the funds immediately or don’t want to use your credit at that particular time because there’s no interest and no application fee. I was approved within less of a minute and once I paid off my first two purchases, my credit line is now up to $1200! I saw that someone stated something about insufficient funds when it’s payday for AfterPay and all I can say to that is, if you’re living day by day (week by week/payday to payday) financially, you probably shouldn’t be shopping online anyway… 🤦🏻‍♀️🤷🏻‍♀️ This person was complaining about insufficient funds because she couldn’t make her payment on time, again.. don’t play the “Rob Peter to pay Paul” type deal. If you can’t afford to shop, simply do not shop! (They do NOT report to credit bureaus nor will it help your credit score) It’s simply a great way to shop especially right before Christmas! Thank you AfterPay!.Coopster2012Version: 1.43.0

Used to LOVE the options here much more!I love being able to purchase items I need for my kids and being able to break it up into 4 payments. I can budget this into my life so much easier than getting hit with massive charges all at once. I gave the system 3 stars because they have started to block my purchases to 3 and their rewards program seems incredibly skewed. I have never been late or bounced a payment. I have consistently earned the option to not make my first payment and I even have that option turned on, while I understand this doesn’t work for all purchases, it currently does not work for me on any. When I first earned this over a year ago, it worked all the time. I reached out to customer service to see if I needed to do something different or if it was just something not eligible to me. Their reaponse was generically answered by a robot and had nothing to do with my question. I make every payment early and I have only ever moved one payment the entire time and ended up making that payment earlier than anticipated as well. I feel like the promises being made are not actually followed through regardless of your spending limit or your payback track record. I have started to move my business to other platforms that continue to function as promised and follow through with their own rewards program. I wish that Afterpay would fix these issues because this used to be my favorite system to use..Shannation32Version: 1.60.0

So convenient!I signed up for Afterpay a year ago and was given a nice spending limit. Most buy now pay later apps only start you off with $100-$150 & Afterpay started me off with a lotttt more. Which was a plus. My spending limit is now in the thousands! (With good payment history) Afterpay had a chat system for customer but I no longer see that feature anymore. Instead you have to email customer service through the app, but each time I emailed them or started a ticket, I received a response within 24 hours. Which is also a plus. There’s only two cons in my opinion. 1.) If you don’t make a payment on time you’ll lose your entire spending limit & they’ll start you $0! I had to get a new card & forgot to update it on the app. Afterpay is set up with automatic payments so I didn’t think to check my email. The very next day my spending limit was at $0! I was able to contact customer and they were able to rectify the issue. Although my spending limit wasn’t what I started with, I was completely fine with that because at least it wasn’t at $0 anymore. I did have to work my way back up which didn’t take long at all considering I use this app frequently! 2.) I wish good payment history is reported to the credit bureau! If it was, this app would do wonders with helping people build credit. Especially if a person doesn’t have any!.De'LayVersion: 1.78.0

Incredibly Genuine No Fee Payment PlanHaving had credit issues in the past that continue to hang on me like a dark cloud and dissuade credit card companies to accept my applications for credit, even businesses that can see from my purchase histories I spend hundreds of dollars on certain products consistently and paid in full. Afterpay for some unknown, Heaven sent reason offered me credit and once I paid on time and consistently for a few higher dollar value purchases, has given me a $2,000 credit line and in all honesty, a sense of financial self respect that no other issuer of monetary credit, even my BANKING INSTITUTION, that knows how much money I have and regularly earn from my job paycheck deposits. I am so grateful to have found Afterpay and be able to feel the sense of self respect that comes with being able to buy certain things that I benefit immensely from bring able to pay off over time, so I can realistically still pay my rent, utilities, heat, internet, etc. and as a hard working single mother still enjoy some of the other things we need or want in life that I otherwise would have to choose between it and the former said expenses. Thank you, Afterpay for existing and for giving me a quality of life that I couldn’t have otherwise in my current financial situation..Delphine39Version: 1.50.0

AwesomeWell I’m ashamed to say I don’t have the best credit and after trying many “split payment” apps and getting the runaround and a headache I was skeptical to download Afterpay. I finally did and everything about this service is perfect for me. Easy to use (had one setback the first time I tried to use it in store which was partially my fault, but I got in touch with customer service and once again i was impressed. Maybe my standards are too low but they walked me through it perfectly and now it works flawlessly. They also approved me for a $1000 limit and allowed me to use my TurboTax Visa debit card, which is my main debit card/ account, as a payment option when every other split payment app uses Plaid which doesn’t recognize GreenDot as a real bank. I will continue to use Afterpay for as long as I can and anyone I think could benefit from it. The only things close to “cons” about Afterpay is the amount of places ( there are lots) where you can use it but that’s not Afterpays fault and that you can only have 2 orders open at a time. Once again that’s not really worth complaining about and probably helps in the long run since you don’t have too many payments to make on different days. I wish every store accepted Afterpay. It’s AMAZING!! Highly recommend!!!.JESSEJAMESTRAPVersion: 1.50.0

I LOVE AFTERPAY!Such a great app and a great idea! I have used other 4 payment apps like this and they arent bad either, but afterpay is my favorite because of the pulse rewards! It motivates me to pay off my payments earlier so I can get the points towards my 30 purchases so I can get the extras like no first payment when I order! I love the deals and discounts I can get also. They are always showing you what stores are having sales or really good percent off deals! There is a great selection of name brand stores as well as stores I have never heard from before and would have never known about if it wasnt for this app. Small businesses need our help more then ever right now and this is a great way to do that! There is also an in-store payment option for some of the places as well!!! The app is great design wise too, so easy to navigate and has it all broken down for me so I know what I have to pay and what is paid off etc. It also makes it super easy to make my bi weekly payments with automatic payments or if I want to pay it off early I can do that with just a click of a button and its done! They send you a reminder email a few days before your payments due so you never forget! I probably spend way to much money using this app but hey, you only live once!.Erinnnnn_sVersion: 1.47.3

Great App and it Sure comes in Handy!!!I don’t have anything bad to say about Afterpay, but I do have a suggestion. First let say that Afterpay is very helpful, specially to those with less than satisfactory credit. It takes a chance on us and give us an opportunity that many others have denied. If you’re getting something for yourself, a loved one, or maybe a last minute gift for a friend or coworker. It really doesn’t matter because they have a variety of stores from online to in store shopping. Just pay your first out of four payments up front. There is not interest or hidden fees, all you have to do is pay on time. You can even purchase gift cards, though they are limited. I am very happy with Afterpay. My only suggestion would be to extend the pay in 4, to pay in 6, or even pay in 8. This could be done for customers that have had a couple of pay in 4 contracts completed and have demonstrated that they are trustworthy to pay what they borrow back. Give them that as an incentive for their timely payments. It would help with every single type of purchases, especially big ones and/or multiple ones. In all, thank you Afterpay, you’re still awesome..Mike_izzyVersion: 1.55.0

Not just for people on a budget!I use Afterpay to space out my payments so that it doesn’t all hit my credit cards at once, helping me to maintain low utilization on my cards when my statements are reported, because I can pay the smaller payments right back off every time I get paid. I like using it when I know my statement is about to come out, but I need to buy something right away, because my cards won’t show high usage since I’m sometimes not even charged the first payment until 2 weeks after my purchase! You have to be smart and make these payment plans work for you! Even if I accidentally missed a payment by a few days in the past, once I paid it off, my spending limit didn’t take long to shoot right back up. There’s only one pretty major thing I’ve recently been turned off by with AP. For the past couple of years, I’ve built a rapport and higher spending limit with them since I almost always use Afterpay anywhere it’s accepted. Lately they’re now not letting me use my account at some participating stores and declining the purchases for unexplained reasons even when I have plenty of spending credit available. But other than that, if you’re a smart shopper and not just using this to spend what you don’t have, it’s great !.Candi.MirageVersion: 1.49.1

Great company terrible customer serviceI started using Afterpay in the second half of 2023. I really did appreciate it and since I was using it so often, my rank did grow exponentially although during the holiday season, I was having a little bit trouble with my baking information I’ve tried to get in contact so I don’t have a late payment but the second, my payment was late they took all the money that I had for the four installment pay. I message customer service three days ahead of time that my card was not working and I wanted to change it recently. I’ve had another issue and I’ve been on delivered for the past six days, I don’t understand how you expect to run a company and then once the customer makes one mistake treat them so terribly I’m still not able to change my card and to be honest after I’m done paying all my debts, I’m gonna delete the app because this is ridiculous and a bad habit so if you’re reading this, I wouldn’t recommend Afterpay unless you 100% need it. Don’t be using it for every day needs only for something that you really need at this point in time to be honest if you really don’t have it, you shouldn’t be spending it point blank, I appreciate it my time with Afterpay but I think it’s time for me to start spending based on what I have and what I have.Jechua FVersion: 1.89.0

Simple. Secure. Endless Choices.“This app was ideal for me not only because I was working as a temp at the time I came across it so being able to pay on a certain date and only have to put the first payment down I knew when I needed to work to pay for that purchase and they were very generous with credit, the stores are endless from small local/national businesses to Big Box to CVS/Convenience!! & even LUXE like my Personal Fave Alex and Ani, Pandora, SKETCHERS & MORE! Earn Cash Back, Rewards Increase by Stacking Eligible Coupons, Free Delivery Flash Sales by Tier the more you use it how much $ complete the four payments NO INTEREST pay it in 1-2-3-4 payments you choose. Go for the Highest Tiers to have access to extra rewards coupons and special deals based off your views. Do not turn away if you were rejected from one of the other type of four payment companies unlike those companies where they check your credit I have an income that is regular and I should not have been refused by affirm or sezzle up I don’t even think that exists anymore but affirm is and ready to pull your credit. Oh🙄 well DUH MY POINT IS THAT AFTERPAY - NO CREDIT CHECK & NO INTEREST!!!!!.” Kaitlyn G..Life Driven by GoogleVersion: 1.55.0

Great Option!After Pay is an excellent option for financing big or small purchases. After pay does not hit you with a bunch interest or gouging fees for using their service. You also have the option to pay in full. I’m finding I prefer using AfterPay over my credit cards. I watch my credit report and I discovered that Credit Reporting agencies ie Experian, TransUnion report negatively if you charge 1$ over half of your balance on your credit cards. That’s insane and very oppressive and controlling. As long as I’m current and pay on time should be what counts. Plus I pay my total balance monthly. I highly recommend After Pay. There are some similar companies like After Pay but their methods and how their service is managed is frustrating. You can’t get a live person to help you with issues. They are not as organized with reminders and alerts like After Pay. I’ve mainly used After Pay for small things because I don’t want to use my credit cards but I recently purchased a home and will be using it for more substantial items. After Pay has been a good thing for me and I highly recommend!.Panache54Version: 1.55.0

Sooooo Amazing especially when on a budgetAfter pay is an amazing way to pay as you go! Sometimes I just can’t make the payment all at once, whether it be the kids needed something, a new bill or even prices going up….. so once I found out about after pay I started using it where I could to help spread out some of my payments until the next pay day or at least until I was able to make a little extra side money! You always want to make sure you never miss a payment! It is still very a bill that needs to be payed even after you receive the products! And I’m sure it will very much go on your credit if you don’t! And nobody wants that. It’s convenient for me in this season of my life where I took a big pay cut! You can even reach certain tiers when paying your bill on time and with that earn rewards! So you save money, you get the product to you before you fully pay it off, you earns rewards and you can use it for many of your popular places in store or online; I mean who would want to try and utilize this option 🙌🏽! Thank you 🙏 Afterpay, for even being an option!.Jasmbak5Version: 1.55.0

Shopaholic’s DreamI love Afterpay. A little TOO much lol. I’m thankful that it only allows me to have only 4 open orders at a time because I have an insane shopping problem. But it’s so convenient and easy to use. My credit is not that great either and they didn’t check my credit or add any ridiculous additional charges (if they charge anything at all). I wish I could use Afterpay to build my credit tho! Lol. I’m impressed with the variety of stores that allow you to pay with AP. I used it through Finish Line for shoes, Buy Buy Baby, and I recently purchased the DB Method squat machine using AP. I’m hoping to get a nice tv! The app and site are easy to use and viewing your orders and payment schedules is not complicated at all. You can also change the payment date or get an extension. I’m also very pleased with their response to refunds. I had a package from Finish Line get stolen and I was able to get a refund easily without dealing with anyone but Finish Line. No having to go and file any reports or claims or making any annoying phone calls. All smooth sailing. I love this dang app so much LOL..JackieBangBangVersion: 1.43.0

Such a helpful way to shopNow anyone who knows when you amortize anything, that’s a breakdown of you paying something overtime. A.k.a. this is layaway. It’s a very simple concept. It’s a very simple program. But in today’s age where paychecks and expenses are so fragmented, they are not as straight line as they should be, it really helps out when you do want to purchase something for yourself or a gift or it’s the holidays that you can have a new way to do layaway. Afterpay makes it very easy to see when the payments are due. You get a text message. Or you may get an email or both. The reminders don’t feel like you’re being hassled. There’s simply letting you know hey you have a payment coming up. I love seeing how much I’m able to borrow but it also lets me know that unless I have the money to pay back it’s best not to borrow everything all at once all the time. And the emails let you know that if you need some extra time all you have to do is contact them and they are more than willing to work with you. So I really love this app and this program..Queen CarolVersion: 1.53.0

Would be five but something’s need to be betterI’ve had afterpay for a while now and though it’s a good with a wonderful pay in 4 concept I have to give it three stars for the way it operates. Let’s just say it’s not taken everywhere and I’m glad that they started to allow monthly payments as well. The only issue I really have with it is how much your balance will drop if your 24 hrs late on a payment. You can change your payment date but at best you can push it 7 days out. There has been a few times where my due date came up before I got paid and I couldn’t change my payment date to the date I needed to make a payment. As a result I made the payment one day after it was due and my balance went from 1000 down to 260. I think the penalty needs to occur after atleast 48-72 hrs of a missed payment. I also feel that if some unforeseen event happens you should be able to workout something as to where you won’t miss a payment and your balance won’t be effected or we should get a one time late payment forgiveness on your current pay in 4 cycle. These things I’m sure will probably never happen but it’s just my opinion and the reason why I gave 3 stars..InfinitespitVersion: 1.97.0

Don’t fall on hard times!This app is great I really loved using it while I had it but unfortunately I fell on hard times due to my house catching fire and losing everything. They have a section where you can submits a hardship request so you have time to pay them back. I submitted that form and was set on a payment plan so I didn’t lose my account I even sent in pictures for proof, there wasn’t a specific date that I had to be caught up by so I figured as long as I get the account paid I’d be able to use them again. WRONG even though before my tragedy I was on time with all of my payments and always paid my balances off they didn’t take that into consideration. So what’s the point in reaching out for help? I don’t think this is fair as I have a good payment history I just needed afterpay to work with me while I recoup from losing every owned. The app is great but make sure these people get their money no matter what. P.S paying your balance doesn’t mean they will let you use your account again so keep that in mind, they will take your money no problem but they will lock you out of your account..__jazmine_Version: 1.88.2

Tempted to remove a starI am tempted to only give 4 stars because the one (and only way IMO) Afterpay could better is if there were an option to use it to improve credit. I get that to some people that it’s a perk to not have Afterpay hurt your credit, but there’s also the other side of people that could definitely use the perk of having it reflected on our credit. I am a very responsible person and no matter what, I find a way to cover all of my bills every month. The problem is, I am a single mom of 4, I work 4 jobs, I can’t remember what sleep feels like and I have sticky notes to remind me to look at sticky notes because I have so much to remember that it’s hard to get it all done. So having Afterpay automatically take the money from my account is like the best thing in the world for me. Now if I could just get the credit bureaus to see that I do pay my bills so I can start recovering from my ex crashing my credit score… life would be perfect. But other than that, I love Afterpay. So many great stores and I see more every time I pop in..MamatomybooVersion: 1.51.0

Love afterpayI love afterpay because it give me away to get the thing i want and pay easy payments the only thing i do not like you pay on some thing and went reach out to the seller they do notRespond you're paying on things and post to be delivered in a timely manner and they're not being delivered to reach out to him you get no answer I would like to know how do you get to talk after pay customer careIf they can get in touch with the seller to deliver your products I'm on my last payment for products from totes & caringI have not got my stuff yet it's been since December here is the almost the end of January and I reached out to them three or four times and still have not received my item or any way to make this right so you need to fix some type of problems when you allowing people to use your service I will keep on using after pay because I enjoyed some of the service liked it to other people thank you for allowing me to use your service happy customer but not a happy customer. ms Baker.Sherry$59Version: 1.55.0

Great and convenientI love Afterpay, I never thought of using this app before because I thought it would be complicated and have undercover fees. But to my surprise Afterpay is just wonderful! I live on a budget pay check to pay check and having 3 kids and bills it makes it hard to get things you want or need. Well Afterpay makes it easy for people like myself to get things we want and need without sacrificing our pockets. I really love that I can pay for things in 4 easy to handle payments every 2 weeks which is perfect if you’re like me who gets paid every 2 weeks , which Is why it’s hard to keep money put aside since we have to stretch the money for that time. I’m so happy to have this app now, there are no hidden fees nor crazy late fees and I believe you can even set up your own days that you feel works best for the automatic payments! Simply awesome! I knew everyone can benefit from Afterpay! I love it! Thank you Afterpay for changing my life so I can Have the flexibility of buying without have to stay broke lol!.Cynful buyerVersion: 1.50.0

ConvenientEasy to use interface, helps locate a variety of stores big & small businesses and offers certain discounts regularly for use when buying from one of their participants. Payments are spread out over a 4 payment schedule. As each payment is gets close to being due they send reminders to you of the actual due date as well as the price for that installment. You can pay it off completely with no additional charges or pay more than one payment at a time which is assigned to the correct purchase installment. I’d say it sorta resembles an online Lay-Away program only in this modern day and age you get to receive & begin enjoying your purchases right away as long as you pay the first payment upon checkout. This app handles it all beautifully, all the info you could need or are looking for is readily accessible within the app and I’ve yet to come across any glitches or issues. Only request I’d have is that it would be convenient to be able to forward a detailed receipt via email if for any reason you need to..BookobsessedgrlVersion: 1.25.0

THANK THE GODS!!!AfterPay has been a Godsend for me! I’ve been a customer for over a year & it’s just the best thing ever. I’ve been able to purchase really nice items that I would otherwise not be able to afford…especially today when prices have skyrocketed on just about everything! (thanks pResident O’Biden🤬). Anyway, their customer service is also excellent & they never charge interest or other fees.🎉 There’s been a few times where I needed to push back a payment date until payday. It happens to the best of us & AfterPay has always been understanding & helpful. I have outstanding student loans so my credit isn’t great. AfterPay doesn’t care. If u make ur payments on-time, they’ll up ur credit limit without question. Affirm doesn’t do that. In fact, I don’t even qualify for Affirm. I do have an account with Sezzle but they don’t even have half of the stores that AfterPay does. In short, AfterPay is the way to go for those of us that love to shop but aren’t swimming in cash! 🏊🏻‍♀️💵 Cheers to Afterpay…a shopaholic’s best friend!🍾🥂😍.TheOtherWhiteMeVersion: 1.53.0

Convenient and simple once you get used to itStreamlined app that makes it easy to find the stores you’re looking for and even easier to keep track of what you’ve purchased, when payments are due, and how far you are into your payment plan. The only drawback is that not every website that partners with this uses Afterpay in the same way, so you have to navigate it a bit through trial and error to figure out what you’re doing. For example, some websites have Afterpay listed specifically as a form of payment, but then don’t link to your app to login- and others don’t have Afterpay listed as an option, you have to have the Afterpay card set up on your phone as a form of Apple Pay and then keep the app open while you’re using Apple Pay on the store’s app (this is how Lululemon does it). I thought it wasn’t linked for Lululemon for a while, and then thought that it was broken as a payment system until I did enough trial and error to figure it out. Once you’ve gotten the hang of it, though, it’s smooth sailing..CadencedsilverVersion: 1.25.0

Annoying issue with appEverytime I go to checkout and pay with afterpay, there is no option to pay with afterpay. I can pay with debit/credit card, paypal, or klarna is always there to select. I am literally on the afterpay app at checkout and afterpay is not an option to select for payment. At the very bottom there is a button that says Buy Now Pay Later and it’s always grey and when you select it it says you can pay with afterpay at checkout, when I am literally at checkout. You can’t go to the next part which is to review your order until you finish at checkout where afterpay should be a payment option when using the app! Like come on these little technical difficulties are ridiculous and make me want to quit using afterpay and switch to klarna since that option is always at checkout. This is supposed to be shopping made easy and it’s a bit of a hassle when your at checkout and their setup to finalize purchase has so many tech issues. Also, afterpay I guess recently started added money to the total to “include tax and shipping” for what? Shipping is free so that’s weird and unnecessary..NouveauMoiVersion: 1.64.0

Great AppThis is the only App I’ll ever write a review on! It’s great! I’ve never been able to shop more comfortably in my life! I’ve been using after pay for a while now and I have been able to redo my whole wardrobe and then some! I recommend this app/payment method for anyone who is hesitant to shop. They split the payments in 4! And you pay every other week... and with all these new updates they make it a lot easier if you need to make smaller payments in between, reschedule a payment for whatever reason or pay your items off early if you can! I definitely RECOMMEND Afterpay. Also the most professional rather than those other Apps (I won’t say). I may have had one issue with Afterpay but it wasn’t even there fault it was the company using Afterpay. But they are super fast with refunds and great on customer service if ever there is a issue. USE THEM! Only negative I have: I wish they had more electronic, household, and shoe stores. And if we could put our favorite stores in a list or put a star by them that would be great!.PhoenixD1026Version: 1.18.0

I love it but …. MehI love after pay I would give it five stars but I noticed they don’t have as much stores available as Klarna does and you hardly even get any type of discounts at all and if you do you have to spend a crazy amount of money just to get these discounts in one store which I think it’s ridiculous because I’ve purchased many things and I haven’t got one good deal on the other hand Klarna I literally only made one purchase with them and completed it and they gave me $10 off my next purchase for whatever store and I didn’t have spend any amount of money at all or anything just to get that $10 off and I’ve only made three purchase with them so far and I’ve gotten multiple discounts and Cashback I will definitely not be using Afterpay after I Pay off whatever I have left on Afterpay I really wished I would’ve started using Klarna before I got involved with afterpay also on Klarna after so many purchases which I’ve only done five or four you get to choose to do monthly payments also I purchased over 10 things in Afterpay and I have not gotten that type perks like this.ThatB***hVersion: 1.54.0

A blessingHonestly I got this app right before Christmas last year! It helped soooo much during the holidays and took of so much up front financial burdens! I was able to pay in 4 payments instead of all up front! Trust me!!! If you don’t have this app get it! It’s a MUST HAVE for everyday purchases or big purchases! I bought my corner dinning room table, lights for my house, lamps and so much more! I also bought all my kids school clothing and supplies! Just take a look and I swear to you you won’t regret it! If I had to say one thing I didn’t like was when they took away my ability to not pay anything up front. I had purchased a lot of items and was excited when I got mint and had that ability. Then they took it and said they changed that till you have the app a year. I feel like if I earned it and proved that I pay on time every time then I definitely shouldn’t have to wait a year for that. However, that aside I still absolutely love this app. So thank me later 😊.TigermomeyesVersion: 1.59.1

Love this company!!!I hesitated to buy any items that I couldn’t pay for or that I had wanted for a long time that were a little out of my price range. I came across Afterpay and absolutely love that I can now get the items I want and pay in four separate payments instead of all at once!!! This allows me to buy things I never could afford before because if payment installments I now do not need to take a large chunk of money and splurge once or twice a year instead I can buy whatever I want and pay over the course of the month. For the average working person this is an awesome app and awesome way to love a little luxuriously more than maybe you could have before this app was invented. I make my payments on time and am never charged any extra paying only for the items I purchased but if you are late the fee is not real exorbitantly high. Thank u Afterpay you guys seriously rock!!! You carry a lot of my favorite brands and look forward to the day that you have Too Faced cosmetics added to your growing list!!!.Chee-0703Version: 1.10.4

Afterpay cardLove shopping on the app.. got super excited about an email I received for the card (I’m in Canada) No option what so ever for me to use the card at my local stores, super disappointed..please fix this!! Sincerely- loyal customer.8978876892Version: 1.47.3

Love the app however…I love the app however it doesn’t take Visa Debit Prepaid and my bank’s debit cards. I hope in the next update it would take prepaid cards and bank (interac) debit cards as I don’t want to use my credit card too often..LetteratistaVersion: 1.62.0

Love the appI’m Canadian. I haven’t tried to pay in store like some others. However I love the app. I haven’t had any problems with it at all. I love to be able to get things I really want and pay in, instalments. I can’t wait to see how much more it improves in time..Seriouslydissatisfiedcustomer1Version: 1.109.0

Don’t miss paymentsThe overall app is great! My only issue with the app is the extremely drop in credit if you miss one payment (even if it is only 24hours late, and you pay ahead of the bill date). For example, you start off with $600 when you start on the app; the credit decrease is by $550 if you miss ONE payment (regardless on how late the payment is, in my case 24hours late) and take MONTHS to rebuild it back up to $600..Ay GurlVersion: 1.107.0

Fantastic optionSome stores such as H&M don’t have use of Afterpay for their site. However, I purchased a gift card from Afterpay to use on H&M. It worked and was so quick. They had a crazy sale and free shipping so I didn’t want to wait to order my son clothes but could still use the “pay in four” option. Afterpay always works. Never issues. I’ve had issues with other apps that will take the money, and say the order didn’t go through, then I when to fight for a week or two to get refunded for the payment it did take. No issues with Afterpay. Kids clothes are expensive and I like the flexibility of Afterpay.Hockey_chick101Version: 1.114.0

Amazing option!Very easy fast and pretty wow! I can’t pay full price but the biweekly option it’s awesome! I can get anything I can afford! Love it.Awesome20103Version: 1.111.0

I love this.It allows me to purchase items (name brand and household items). Quick & easy. Trustworthy and a wide range of sites to purchase from. An payment option built on trust, no credit checks :).TrishE8Version: 1.85.0

An indispensable for shoppingI love this app , its functionality and ability to pay the total as I want and not be debited randomly is a must for me. I don't want to wait a month for the total to be paid. I can track easily the payment and what is left. The app is very intuitive and easy to navigate 👍 I would love to see more stores available for example “Amazon “.A human 💕Version: 1.83.0

10/10Great app!.LacifaithVersion: 1.81.1

AmazingTo all the reviews I’ve been reading on here. I don’t think y’all understand how this works. I’ve been using Afterpay for what 1+ years now. When I first applied I started with $500 credit from what I could remember. I used it once to try it out and it was legit, but I ended up not using it again. Next time I went to use it my limit went down to $100 so I thought ok. I’ll buy something for under $100, paid off, bought something else, paid off. Since the time when my limit went down to $100 and have been constantly using their service and paying back what I owe, my limit has now grown to about $900 all because I’ve been steadily using my credit and paying it back on time. Mind you the payments are all preauthorized so it automatically comes off my account every two weeks. So to those paying off your balance ahead and then complaining that they withdrew those funds despite you paying. Don’t. Preauthorized payments are automatically withdrawn from your account, regardless. Let the process work itself..Lynm25Version: 1.72.0

Brilliant performanceThe best thing in this app is interest free purchase . Appreciated.H.K@solVersion: 1.68.0

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 1.137.0

Afterpay: Pay over time Negative Reviews

Technically flawed appAfterpay is a good four pay app but it has a huge technical problem which I have been telling them about for years and they can’t fix. When you go to pay and click on the pay now button, it shows you a red error box on top of the screen and your payment doesn’t go through. However, it takes that amount of money which the payment was off the amount you can use, just as if the sale went through. It also takes the money from your credit card. Then, about 15 minutes later, the amount you can use on Afterpay gets corrected, but the money from your credit card does not. That’s up to the credit card bank and could be days. This is a BIG problem which makes the app not usable. This must be fixed. None of the other four pay apps have this issue other than Afterpay. This happens almost all the time when paying on eBay. Don’t use Afterpay to pay for an eBay purchase. You will be sorry. If you can’t fix this issue Afterpay, you should not charge the first payment on the purchase date, like you had before for the preferred customers. This will fix the nightmare of the credit card banks holding your money for days and you can’t use it. The only issue will be the amount coming off Afterpay which you can’t use it use to shop, but that corrects itself in 15 minutes, so you will be able to try again without the the first payment being taken off your credit card for days. Can you do this for your customers? Please Afterpay..Big pie faceVersion: 1.125.0

Extremely disappointedI am extremely disappointed in this app & their customer service. I have been using their services for about 4-5 years now & have always paid my payments on time as I had them on auto-draft. I eventually earned my limit up to $2,600. This month my debit card expired & my bank sent me a new one & as soon as they did I logged into Afterpay & updated my card info. As soon as I changed my card information, they changed my limit to $50!!!!! They took $2,450 away from my limit bc my card expired!!!! When I FINALLY was able to get in touch with someone from customer service - they told me it changed due to a $10 payment being ONE day late due to my card being expired. I tried explaining that it was out of my control & I logged my new card in as soon as I received it in the mail. I was then told that there was nothing they could do because everything is controlled by the computers & that the best thing for me to do is to slowing build my limit again by making more payments. It took me YEARS to get to where I was to only be stripped of it in the matter of seconds due to something completely out of my control. 10/10 don’t recommend their services. Also, they don’t have a customer service phone number for a reason & that reason is because they can’t help you with ANYTHING. Very, very disappointed after all these years of loyalty to them. Would give ZERO ⭐️ if I could..AmillixoVersion: 1.87.0

Ok AppMy first two purchases went through without a hitch but the next purchase ($45) got declined even though I had what they stated was a possible spending limit. Thier disclaimer is ridiculous. If I'm going to get declined for further purchases then why even put that amount there. All other bnpl apps give you exact dollar amount you are allowed to spend. I had no issues with payments until I had to get a new debit card. I put the card in and I thought I made it my default card but when my payment was due they tried the old card ( it didn't let me take that one out) and the next day I get a text stating my payment didn't go through. I went in and immediately made the payment choosing the correct card. A week later I noticed that my spending limit went down to $16 even though I had only one account with a balance of $33 left. I do not plan on making another purchase ever again with Afterpay. Klarna and Zipit are much more user friendly. You can add and delete cards at anytime, the amount your allowed to spend is clearly displayed without a disclaimer and it is immediately impacted when you make a payment. Klarna allows you to change due dates and the dates can even be out by two weeks. The customer service woth afterpay is terrible as well. It took almost four days for them to respond to my email versus an immediate resolution with Klarna chat..CaplmomVersion: 1.47.3

Lost a customerBeen a customer of Afterpay for at least 5 years. In all this time, I have never paid late, never missed a payment & I even pay my installments early and referred a few friends! I truly liked this company until one day I had an emergency & wanted to extend my last payment for 48 more hours because I had a financial hardship. I tried to do it on the app & I couldn’t because they say you can’t change the date on the last payment: that’s a Con because what does it matter if it’s first or last? At least I am still paying it off! Anyways, I messaged customer service to help me & they refused, & told me that I had a 10 days grace period. I told them that it was hurtful because I’ve been a customer for years & only needed help this once. I didn’t want a late fee for something that could’ve been sorted out.. other apps like Klarna, Zip & sezzle offer to help in hardship times for good customers, but Instead of having compassion, the customer rep decided it would be funny to remove my spending power in Totality!! Leaving me at $0.00 I was so shocked!! As I’ve had a PERFECT history with this company for the last 5 years.. & I am only 1 day late on the payment & I just wanted to move it one more day. It was cool while it lasted but in this economy, you guys have zero compassion and it made me realize I no longer want to be a customer. I am Paying off the small balance & canceling my account. Good riddance!.True TalesssssVersion: 1.107.0

Horrible Since Update 2 weeks Ago! Why?It’s Feb 2025, and I have used Afterpay for a few years now and loved it. It’s been easy to use, great options, and convenient. Not sure what has happened since most recent update, but it has been almost worthless since. It’s still easy to make payments, but purchases are a nightmare. Beginning to wonder if it was really updated or if they’ve been hacked. First, the amount of purchase has been automatically populating at $2000 which it never did before. It also displayed a minimum payment requirement of several hundred thousand dollars. For several days, it could not be changed so wasn’t usable. That seemed to be resolved, but it still auto populates purchase amount & has to be edited. It is loading so slowly while trying to make a payment that I have given up AP today to pay in full. After over 30 minutes of freezing, I don’t have time to deal with it. This is 3rd or 4th experience with same outcome. I’m going to give it another couple of weeks, and if no improvement, I may have to look for another app. And, I completely deleted and reinstalled twice! Checked other apps and all are working at normal speeds with no issues. I will update this review if it gets resolved and I see improvement because Afterpay has been great for a long time..RFK2020Version: 1.111.0

Very Unforgiving and UnhelpfulThis was my absolute go-to app for pay in 4s. I was struggling a lot last year (finally seeing the light at the end of the tunnel) and this app saved me. I forgot to pay one payment on time, paid it the next day (I forgot to update my card on file). That was my mistake; however, they dropped my spending power by HALF. That’s insane to me. I literally paid it the next day. Other apps (like Klarna) just try again and work with you. Anyway, I had a second payment in the form of an e-check and realized another charge came out of that bank and it was going to bounce. I tried to work with them and even paid the next installment to rectify the situation. Their app claims to be there to help. The customer service agents did not understand my questions when I was very clear and gave me very automated responses. I paid twice the amount and ended up not being able to use the app and had my rewards status taken away. This is the most unforgiving an app could be. These types of apps usually exist to help people and this one did until it didn’t. I tried everything to keep a good history with them and by any other app’s standards, it is a good history. This is a heartless app and the customer service agents are unhelpful. Use Zip or Klarna if you can help it. They have more variety of where you can use their services too..Emspar94Version: 1.71.0

Terrible companyVery upset with this company, I started back using them years later, it’s been nothing but problems with customer service, they would constantly freeze my account if I tried to go through with a order AFTER telling me to try again, first time was because my account was magically picked to make sure there wasn’t fraud, they ask me to send my I.D then stated to CLOSE MY ACOUNT just because my I.D address wasn’t the same as my AfterPay account address which was silly cause like I said I just started back using them, haven’t even got the time to update my address on the account, second time was because they stated there was no connection on my side which was a lie, this is a brand new IPhone 15 from Verizon that I had for a while now, my connection works great everywhere else I go, and everytime I reach out for help, they constantly make me send my proof of bills over and over and over and over, everytime I reach out to customer service, they take days to respond and it’s always a new person, not the last person I was talking to, very disappointed in this company….everything should not always be computerized either!! I asked them to please just delete my account since I am not able to click on the Close My Account button in settings which is weird, it isn’t letting me…. I have screenshots to prove it all.Porcha MitchellVersion: 1.107.0

Very FrustratingI first started using Afterpay last month when I made a rather large order. The idea and the concept is really cool but the app is a pain to use. I made the first payment on my order two weeks later as scheduled and it gave me a notification saying that the payment went though and it gave me my new remaining balance. Two days later, me email gets bombarded with emails from Afterpay saying that my payment was declined and they had tried to take the payment over and over again when it didn’t work the first time. When I first authorized the payment on the app, I had the money to cover the payment. When they tried over and over again to make the payment, it overdrafted my checking account and put me in the negatives screwing me over for groceries. Just recently, I had to make a switch to a new debit card through my job and when I tried to add it to my payment methods, it kept saying “Oops! There was an error in your billing information! Please try again!” Even though all of my info was correct. I went to the customer support section and found out that until the first order that you made is completely paid off, you can’t add another payment method! This service is not convenient at all and is a massive headache to try to use. I am going to pay off what I owe and I’m never using Afterpay again. I definitely would NOT recommend them to anyone..FTGW21Version: 1.11.4

Horrible customer serviceIf I could give 0 stars I would, customer service is horrible. My account got frozen because I got picked at random for review to make sure I wasn’t fraudulent (which I can appreciate) they ask me for my driver license and a copy of my bank statements I share them both. They tell me after reviewing my names don’t match when they do but not only do my names match it matches on my bank statements too. The only difference is my legal last name is hyphenated I never go by it unless it’s for legal purposes. Since Afterpay does NOT go through the credit union I didn’t see the need to use my full legal name. Now they ask me for a copy of my birth certificate, I said sorry I don’t see why you can’t use what I gave you as there is a huge hacker increase all around ( I don’t know exactly whose messaging on the other line) they proceed to tell me that they are highly confidential but I’m sorry again I’m not comfortable sending it cause let’s be honest what’s next my social security number? If my job and my taxes which go through the IRS can use my name as is without needing me legal hyphenated name why can’t Afterpay use it how it is?! With the same address attached that I’ve been at for ten years!!! SO THEH CLOSED MY ACCOUNT!!! not only did they close it but I can’t remove my cards from my account either WILL NEVER USE AGAIN!!!.Macklin1993Version: 1.94.0

They restrict loyal usersI’ve been using Afterpay for 4-5yrs now, I pay all my orders on time and have a credit limit of $3000. I’ve never had a late payment, and I’ve never used any of my “due date reschedules” and I went to use the app and they said I was restricted until I pay off 10 orders in full. I have $1700 in available credit and I’ve had way more orders open and way less available credit and never been restricted. It took 48hrs for “customer service” to get back to me. They said they look at a lot of data with making their decisions. So apparently doing everything they want you to do, and everything they say you need to do to keep growing your credit line is not good enough and you can still be restricted. It says that they don’t have a limit of orders you can make but clearly they do. And when you are restricted they also won’t tell you why but will tell you to just to “keep making on time payments, and try again in the future” So basically for “good behavior” and following all the guidelines they set out you can still get restricted. I used this app for groceries when I needed help between pay days and now I’ll be heading to sezzle for all of that. Thanks after pay for screwing the loyal on time good customers. You’re the best..Surelee79Version: 1.112.1

There’s no point in this system.My afterpay was approved. I’m thinking great this is perfect especially with back to school shopping coming up, price jumps and gas prices I’ll be able to get some shopping done worry free … WRONG. I’m approved a dollar amount, after my first purchase I try again you know now that I kno I’ve been approved.. purchases are declined. Not an outlandish amount total purchase was under $80 leads to an installment of under $ 20 declined still I reach out to customer support, I’m given a very vague response. Ok w.e I’m thinking I get it the stores are all different. Declined again and now I notice my approved balance has lowered.. i reach back out and was given a response “ it was lowered due to multiple declined purchases “. so I’m being penalized because afterpay isn’t allowing the purchases..How am I supposed to use something that I’m approved for but yet being denied. How am I supposed to know if my purchases will be approved or not without trying?Especially when I just used it? How am I supposed to advantage of this installment service if I’m denied and then given a lower amount that. Ultimately, is going to be denied and just continuously lowered and then, I’m gonna be held accountable and penalized for that, THE CUSTOMER??! HORRIBLE. 0/10 WOULD NOT RECOMMEND I’ll pay off my current purchase and will not come back..BhvbbbnVersion: 1.60.0

Bot operated almostMy phone was broken and the only way I could log in was through my phone number. I managed to remember my password thankfully but they had already emailed me to pay several times. With no help to login at all. I ended up paying off my fees, they don’t tell you once you’ve completed ur fees that ur account will be closed just because you didn’t pay it back for a while. It’s understandable i do get it it but it’s more of the fact that u just receive a red alert after trying to purchase telling you you’ve been blocked and to pay off all your fees. I messaged support and I wasn’t surprised with the customer service. “ we can confirm your account was repaid and closed” not correct I stated with reaching them out that I just wanted to know what was going on and they declined their services for future use; “unresponsible spending” is far from the truth due to no access and the ways they make it impossible for you to sign in. I hope they become more realistic. I just wanted to close my account which it won’t even let you after you pay it off or already told them to. I recommend klarna because I had the same issue with them and they did help me and understand me. They also take away your rewards aren’t allowed to gift it to anyone at-least..KatrinapetVersion: 1.86.0

Used to be a good appThis has been my go-to app for years due to the convenience, and I even earned the ability to sign up early for the “Afterpay plus” card in addition to having 0 payment upfront. In the past several months their actions have caused me to lose trust in this app. First of all, even though I had spent THOUSANDS of dollars with this app and had not missed a payment on a single installment, they cancelled my access to the Afterpay Plus card for missing one $5 payment (the monthly fee for the card itself) due to the card it was linked to being expired. They refused to let me rectify the issue or regain access to the card, and their reasoning was because they “take responsible spending very seriously.” I have literally missed ZERO payments and attempted to rectify the second I found out something was wrong. Secondly, I got a notice that they are getting rid of the rewards program and with that, the ability to pay $0 upfront, which is the main reason why I used Afterpay vs other pay in 4 apps such as Zip or Klarna. Whatever new rewards program they’re coming up with, if it doesn’t include this or something better, I will never be using this app for any purchase ever again and will switch to a company that actually treats its loyal customers right..Ajmr560Version: 1.90.0

I wasn’t given Pulse Rewards (even thought I elected to)I’ve made 2 different purchases using Afterpay and I love the concept. All of my payments have been on time because it’s taken directly from my bank account. I should have 40pts for each of these purchases totaling 80pts all together but it says zero. I go to the rewards section to confirm I did register for pulse rewards and I am. I reached out to someone and I felt like they didn’t even read my message because the answer made no sense and it didn’t really relate to my issue/ question. I was told about 6 month cycle and that I have to current orders… which I already knew and is not what I even wrote to them about. He was no hep at all and then might as well have said “have fun figuring it out bc we don’t care, BYYYYEEEEEEEEE.” I asked why my points weren’t accruing. I then asked if they could go into more detail.. I asked do the points reset after 6 months or something ? And I’ve gotten no response. I haven’t even had this for 6 months - but if they’re referring to their own type of 6 month cycle I don’t understand when that starts or ends either. My issue isn’t even anything serious or complicated … just want some help understanding why my points haven’t accrued and if I can get them redeemed… that’s all….Shay nonamousVersion: 1.51.0

No able to use the first 6 weeksI usually don’t write reviews but this is crazy.. so I’m new to the app everything looking good.. going smooth until when I tried to make a purchase it kept saying I was not approved.. which was kinda weird because they had already pre approved for 600.. I contact support and they had told me "within the first 6 weeks you are limited of what you can spend" so I replied back saying "ok can you guys give me a sure amount that I can spend so I can go ahead and start building more purchase power" they had replied back "we can’t give you an amount but we do make fresh decisions each time you try pay in 4 options" so I went back to finish line.. saw some 55$ Nike shorts, and i was thinking they have to approve this like cmon it’s just 55.. and when I proceeded to my order.. I was not approved.. for a 55$ purchase.. so they say you’re limited, but from what it looks like.. you can’t use afterpay until you’ve had it for 6 weeks.. i like the app it’s good and can be very useful for me getting my business equipment.. but saying I’m approved for 600 and not letting me actually use the 600 is crazy… other than that the app is great hope you guys can fix this.AnchicincoVersion: 1.79.0

Disappointed after recent changesI have been an active user of AfterPay for years now, I am on a single income managing bills as well as only getting paid once a month. This service was GREAT! At first there was levels you would reach when reaching certain requirements. I reached the highest to where you had wonderful features like postponing the first payment (taken out automatically when used) to two weeks. Then the AfterPay Plus card was made available to me buy only paying a certain amount a month to be able to use AfterPay anywhere ApplePay was offered. It’s been upsetting to see the changes lately to where all of these wonderful features has been taken away to where I can’t use it like I use to and well I really depended on it to better manage my finances with only getting paid once a month and no other income to reply on besides my own so these features was super helpful to not have to use any credit cards and basically not going into debt in this economy rising it was super helpful to use this with groceries and even certain bills. Now that all these features have been disabled I just don’t see myself using this as much anymore and will be using another service that offers better options..StaceylbeckVersion: 1.99.0

WowSpend money a lot with Afterpay for over 3 years!! , paid on time , was mint , my job laid me off all of a sudden from 5 days a week to 2 days a week. when I had I think 2 last payment of $48 and the other was like $12 I was late 3 -5 days and they drop me from mint just like that , no customer service # I tried calling ahead to have them move payments around to my payday.. number don’t work. And now they drop my spending to $75 with no earn of rewards till after Jan.. they mark you late the day payment is due if it doesn’t come out your card. Not next day Same day smh. It not that I didn’t have the money. It was just not available when it was due. I had to use extra money to cover bills. With Klarna they generous with moving your due date weeks .. it helped so much. I had things due with them also .. so now I mostly use Klarna and I’m now working full time. But the joy of me shopping now is mostly gone. Thanks after pay it’s all good the more people spend.. but to help understand things happen no working number to call anyone was insane. Lost a good shopper I was supporting small businesses. Never again .. I’ll just use Klarna or I’ll just pay full price from now on .. last time using this service.001133 mariaVersion: 1.64.0

Used to like, but now I have reservations.I used to use Afterpay a couple years ago more than now, and since then I haven’t come back because of system problems. I just redownloaded the app because I wanted to make a purchase that was about $80. This is not the largest order I’ve placed through Afterpay, keep in mind. The home page says “due to issues with your payment history we have blocked your account”. My past due balance was a total of $5 that I had forgotten was on there, but other than that I always made my payments on time and hardly ever had extensions. That $5 overdue balance was from 2023. Now it tells me that in order to get my account unblocked I need to pay off my past balances, cancel any recurring subscriptions and pay any late fees. All of which I have none. I have had no outstanding balance because I haven’t used the app for several years. The AI chat assistance feature isn’t much help either. I don’t write reviews often, but I feel as though there should be a better support system in place for users in my situation. It’s incredibly frustrating by the lack of support and deters users from wanting to use the app..Pfufor13Version: 1.107.0

Avoid at all costsUpdate: Afterpay finally did give me a customer service phone call and issue me a refund. I am grateful for that. I am upgrading my review to 2 stars. The experience was unpleasant but i’m glad that I finally got my money back. Original Review: Please, for your own good, stay away from Afterpay. I purchased an item using Afterpay, and the item was never shipped. I filed a dispute 3+ weeks ago. They have done nothing to advance the dispute or update me. I have messaged Afterpay multiple times, asking very simple questions (when did you reach out to the merchant? Has it been more than two weeks? Did they reply to you? When will you advance the dispute beyond the inquiry phase?) and they have not answered any of these questions. They only reply with a generic “we are working to resolve your dispute, please be patient.” They have no customer service phone number. They have no live chat for customer service. All you can do is email them and pray. In other words, they serve their customers very poorly. I should have known it was a red flag when my credit card company would not let me enter my card into Afterpay’s payment system. Stay away at all costs..Mursk16Version: 1.68.0

I liked it in the beginningI started with Afterpay right before Christmas getting items paying before the payment date and even paid the things off early. Then I got one more thing made the first payment when it was due made the second payment when it was due the third payment is due on the 30th of January. I tried to get something else a few days ago and they declined it and said due to my payment history they couldn’t approve me for it ( $59) so I reached out to them and told them they got something mixed up and I guess whoever got the email got mad so they told me I had to find another payment method and that I couldn’t use Afterpay but that they aren’t saying I will never be able to use Afterpay. I wouldn’t recommend Afterpay to nobody I know because I wouldn’t want them to be treated the way they treat me. I don’t want to use Afterpay after all this mess they got with them. I know I paid off my stuff and paid faithfully on time. You learn from your mistakes!!! I truly think that they see that they’ve made a mistake but they haven’t said anything to me. I have my bank app I checked it and I see when and what was paid. So with that being said everyone be careful. I don’t know what Afterpay got going on.MechellelastchanceVersion: 1.47.3

Stole money from my bankI paid 2 payments at once so that there would be no money taken from my account at the end of the month. Afterpay took an unauthorized amount from my account this week, even though I don’t owe anything for 2 more weeks. It doesn’t even show up on my Afterpay account. They replied to me after I contacted them online, but didn’t answer any questions. They only stated that the amount taken hasn’t shown up on their app. I sent multiple screenshots of my bank statement clearly showing the amount. This is unacceptable! I now have no money in my bank for the next week as I’m disabled and rely on a very small income paid once a month. I’m sure they would have taken more had I had more because I was alerted that a payment to them failed right before this due to insufficient funds in my account. So now I don’t know if I was hacked or they decided to take what they pleased. They are saying that if anything was taken, it should show up in 5-7 business days. Thanks a lot Afterpay!!.Stranded49Version: 1.59.1

Don’t waste your moneyThe app doesn’t always work and when it does, a lot of the time the orders don’t go through, however the payment is taken from your account anyways. When you contact Afterpay about this, they take days to contact you back and you have to fight with them to try and get your money back. Warning, not always do they give the money back and if you do, it could take up to a month or more. Additionally, there is an issue with double orders being placed and payments being taken..PamelaRDTVersion: 1.98.0

Afterpay Card Not Working CanadaThis is really annoying sending people emails about using afterpay in store and looking at the card tab to add it to Applepay when it’s not even there. This is super disappointing launching things and it doesn’t deliver. Fix this!.Disgruntled BabeVersion: 1.47.3

Awful, no supportBought something at the end of July. Made two manual payments on August 11, which registered instantly and showed the next payment not due until September 9, Imagine my surprise when my card was pre-authorized (and the funds were withdrawn as it is a Visa Devit) for another payment August 16, even when there is none due. Afterpay has no phone support and no live chat, just an in app message system, so after ten rounds and four tiring days I finally get a message from “Adam” denying they made the preauthorization at all and basically washing their hands of me, My. bank is happy to provide a letter confirming they DID charge my Visa for the same amount as the first three payments so it is highly sus and a lot of trouble. I will pay it out and never use again. It’s fine until something goes wrong then you will regret ever touching this with a ten foot pole. Honestly, look into alternative apps and save yourself a lot of hassle!.Sparkly*7Version: 1.83.0

Sells your informationAfter using this app for a while I got a notification from another app saying “security alert” for Afterpay. The amount of scam calls and emails I got after was ridiculous. The only thing that changed was this app..SnorkelfinbogwaterVersion: 1.79.0

Needs ApplePay Card in CanadaWhy are you sending emails to Canadians about being able to pay with their phone in stores when that not true, whatsoever? Someone needs to check their marketing emails..Risse16Version: 1.47.3

Canadian version sucksCanadian version doesn’t include access to AfterPay card, and can’t use it in store. mostly want it for aritzia since they accept in store but can’t do it without the app. not really a point for the app in that case..Vampiredancer1215225Version: 1.45.1

CODE WONT SEND🤬Tried everything. Getting super irritated. Scr*w this app!.Shortyboo90Version: 1.97.0

Can’t create an accountPathetic app as it won’t let me create an account in Canada. Using email/phone number. Tried multiple times but still the same result..Ssaaggaarr07Version: 1.97.0

Awful app and customer serviceThey issued fake gift cards and there is no customer service for following up your problems.Maryambayat.1994Version: 1.116.0

Genuinely a useless appI don’t even know why I bothered wasting my time on this piece of garbage app..OwlibyVersion: 1.115.0

Unauthorized payments on my accountDw yall gonna be convicted soon tryna scam me giving me refunds I never asked for tryna slip past me just watch THIS APP BORROWS MONEY FROM ITS USERS !!.BlushwaifuVersion: 1.113.1

Locked outI like when they tell you to make payments so you go to make payments and they lock you out of your account so you can’t.AbchvgabcVersion: 1.111.0

Worst appNever works even though my credit is amazing and I always pay on time. There’s always an issue with this. I don’t recommend downloading this app. It’s horrible..TaiahamberrrVersion: 1.110.0

PainI have been trying to use this thing for months and it won’t even allow me to buy anything not even for $100 waste of time.Karriana02Version: 1.110.0

Orders stopped going throughThis has happened to me like 3-4 times now. I place the order on the merchants website with Afterpay and the order processes on Afterpay however the order never actually places with the merchant. Afterpay still takes the funds and sets up payment plan for an order that was never placed. Beyond frustrating having to jump through hurdles with customer service and wait days trying to get a refund. Safe to say that I’m done with this app as soon as I’m done with my current payments..PerfectpaintermVersion: 1.102.0

Waste of timeComplete scam, was really enjoying the app and was using it to make a lot of purchases and it was helping out big time. This month I tried to make a purchase of $180 (in total) and my app has chosen to completely stop working!! FIX THIS. I am no longer able to make payments for a single item, even something as low as $7!! I have tried several times to make the purchase and I keep getting a message on my screen saying the action can not be completed. I am a loyal customer and ALWAYS make my payments on time if not early!! I am never late and I never miss a payment! Please fix your scam app.KkkmzkVersion: 1.106.0

Can’t get into my accountForgot password and when I tried to send sms code to my phone nothing happened. I tried a few more times. Nothing was sent. Then I got a message saying I’ve tried too many times and can’t access my account. There is no way to get into my account now??? This is insane !.FddfyughVersion: 1.104.0

I kinda don’t like itDoesn’t take prepaid cards and cards from different regions that sucks so I can’t use it.IdciliidcilliVersion: 1.94.0

HorribleNo customer service I received one response from them three days later saying they were escalating the issue and never heard back after countless attempts I returned an item I had bought and one more payment to make I received an email saying they had processed my refund for approx 7% of what I had already paid and I never even received that.TiawannabingoVersion: 1.101.0

The app does not work with my iPadAs soon as I open the app on my ipad a message pops up that takes over the whole screen about enabling notifications. There is no way to get rid of the notification and therefore you can’t use the app on the ipad. So annoying..ConnymcrinerVersion: 1.97.0

Can’t see anythingMy app opens to one page and that’s it??.Rayray2263Version: 1.96.0

How the hell am I going to pay??Okay so how am I going to pay? I just got the app never had an account and it’s saying I have an account? I’ve NEVR had the app so what account do I have? Now I can’t pay for the after fee that I have! Fix your damn app please.Lemon limeadeVersion: 1.96.0

App often doesn’t workThe app doesn’t work. Tried to reset my password and it didn’t recognize my password. Couldn’t reset it and could set up a new account..JRo0406Version: 1.88.0

SCAM!Bunch of scammer’s, never received my product and they blamed it on the shipper. After I tried contacting them for deeper investigation’s they stopped responding, would do negative star’s if I can, please ban this app from the app store they are a bunch of low life thieves..Yanni IVVersion: 1.91.0

Bad appI used to use this app because worked for my for a while, then I discovered Afterpay doesn’t have costumer services, they just provide you with a “chat” and takes up to 15 days to answer you. One day they removed all my credit because I was “late” for the payment, basically I payed afternoon and wasn’t enough for Afterpay..HMS2609Version: 1.90.0

CANNOT ADD CARD TO APPLE WALLETHorrible app.TenderTittyVersion: 1.89.0

Terrible customer serviceThis customer service with this company is beyond pathetic. My item was unavailable in the store so the order was cancelled. I have reached out afterpay via chat like they said, because they don’t even have a phone number to call!!! Its been 2 days an no answer and no refund. They are still trying to charge me payment when the item wasn’t even received due to it being out of stock! I am NOT paying for an item I will never receive! They will not answer or give me a refund or even acknowledge my messages. Well since they want to be a fraudulent company I am filing a dispute with my bank!.420bitshhhVersion: 1.89.0

Don’t waste timeIn simple words. App doesn’t work..CemohsinVersion: 1.89.0

Is this app a joke?I literally cannot login in any way I tried. I put my email and password it says it doesn’t recognize. Then I create new account and it says you already have an account. Then I choose forgot password and reset my password and login back with new password it still doesn’t recognize my account. Ridiculous, I have a payment due tomorrow and I don’t know what I am paying for.NazzliiiiVersion: 1.88.2

Terrible customer serviceI did a return and they still charge me 116$ for the second half of the purchase even though I followed the process. I would not recommend this app to anyone nor will I ever use it..AlecontremonVersion: 1.88.1

So difficult for whatIt’s easy to purchase but if your package doesn’t arrive or you wanna return it’s SO difficult. Klarna is way faster and easier..Lana_827Version: 1.84.0

Lowered spending to $0 after missing 1 SINGLE paymentObviously I did pay it off as soon as possible ( couple days) and they lowered my spending limit to $0. Was going to use Afterpay again on another purchase today and now I’m going to be closing my account.MiskycreeVersion: 1.69.0

Faulty appA very malfunctioning App. Wouldn’t let me login or create a new account..Yogurt3244Version: 1.78.0

Stole my moneyI purchased boot from Micheal Kors and the item didn’t come, and no response and they didn’t solve the problem..BarbarrikkaVersion: 1.74.0

Stole my money twice within a weekThe first time I got the run around for a week and a half. The second time they haven’t even responded about it..Luxury baeVersion: 1.72.0

Poor customer service and softwareI’ve been trying to get in touch with after pay for a week now about a payment that i’ve cancelled and is still going through and was wondering why the chats kept failing to load, until i realized it wasn’t even available in canada! this whole thing honestly has been frustrating and an inconvenience and did not need to be dragged out this long.WherearethepizzasVersion: 1.68.0

WE NEED BETTER CUSTOMER SERVICEAfter pay has been nothing but a headache since I’ve used it for the past year and a half it was great up until one of their customer service reps didn’t understand what I was saying on and then made it on my account that I couldn’t make a payment which was false so then my credit went way down because of that agents screw up and since thenHeadache after headache I did a return and then the return process it says that you put in when it gets returned and then they move the payment for two weeks so that it has time to process the return but instead this time they froze my account and even though those payments have all been paid up-to-date, my account is frozen and yet I cannot reach Customer Service customer service agent right now to fix no you wait up to 48 hoursSo let’s say you have an emergency and all the sudden you can’t make a payment you can’t contact them and make the arrangements because he can’t get back to you fast enough.TW727Version: 1.68.0

Afterpay cardIt says tab for card or should I say 5 tabs and in my app I only see 2 tabs one says shop and the other said my afterpay… I was told by support that it is now launched in Canada for Afterpay card but if that’s the case why can’t we retrieve the card to add to our wallets. I’m like losing my mind trying to see if I can find it out myself but it’s not working. I would have given 5 stars but I haven’t gotten any answers back..EyeswithpassionVersion: 1.68.0

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