# Afterpay Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Afterpay the right Payment Processing solution for you? Explore 306 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/229452/Afterpay/reviews --- Afterpay 4.6 (306) [View alternatives](https://www.capterra.com/p/229452/Afterpay/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of Afterpay Ease of use 4.6 Customer Service 4.3 ## Pros and Cons in Reviews Effortless setup and navigation 100% positive reviews out of 45 Reviewers feel ease of use makes onboarding, setup, and daily operations straightforward, saving valuable time. High fees and refund delays 47% negative reviews out of 43 Some users report pricing involves costly fees for businesses and slow, complicated refund processes for customers. Flexible payment plan choices 97% positive reviews out of 30 Most users report payment options offer installment plans, alternative methods, and increased flexibility for customers. John T Owner, 1 employee. "I recommend all of my clients add Afterpay or another "buy now, pay later" platform to their eCommerce sites to provide more options to customers." Interest-free installment payments 96% positive reviews out of 25 Most reviewers describe payment split as enabling affordable purchases by dividing costs into manageable, interest-free payments. Sarah B Market Research, 1 employee. "I love the AfterPay allows you the option to split your payments up in for easy, interest-free payments." ## Showing most helpful reviews Showing 1-25 of 306 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Pololani P. Student Services Associate E-Learning Used the software for: 6-12 months ### "A Great Way to Buy Now and Pay Later" February 15, 2023 3.0 I enjoy using Afterpay for both personal and business and will continue to use this software. Pros I like that AfterPay is user-friendly inside the app when shopping and looking for stores. Putting all their available stores in categories makes it easy to navigate through and there is a variety of stores. Anyone can find a store to shop at. I like that they offer in-app and in-store options and I like that they have a rewards program. Cons The speed of the app when going from store to store or category to category can improve. It is way too slow and very frustrating. I get impatient most of the time I am in the app and start clicking everywhere because nothing is happening and when it finally wants to wake up and go it clicks me everywhere I clicked except for the intended location. That is my only complaint about this softwarde. Review Source CM Cameron M. Manager Food & Beverages Used the software for: 2+ years ### "A life saver!" June 21, 2025 5.0 Overall it’s essential for my household, it’s a wonderful app and its growth continues to amaze me! So many more shops Pros Afterpay is a life saver! Times have been tough! And I’ve really relied on Afterpay to help with groceries! What I really like is the entire purpose of Afterpay! Pay it later and with that there aren’t outrageous charges added to anything! Cons Perhaps the return process, or adjustments are sometimes confusing. That could very much be my own understanding. Switched from [Klarna](https://www.capterra.com/p/230509/Klarna/) Klarna app was just not laid out well. I didn’t care for it nor the options they had at that time Review Source AS ALFREDO S. LEAD Warehousing Used the software for: 6-12 months ### "AFTERPAY IS GREAT" March 27, 2026 5.0 I feel comfortable using Afterpay. I like its payment method and its low interest rate. Cybersecurity is of high quality Pros Excellent service, their financing is much better than a credit card. Happy to use this service and excellent customer service, 24/7 Cons Nothing negative, quite the opposite. Easy to use, excellent customer service, and it is one of my favorite apps to make my payments. Review Source PE PAULA E. Bookkeeper Accounting Used the software for: 1-2 years ### "Leaving afterpay" June 5, 2025 2.0 Suck and i am not a person to skip a payment but my bank account was hacked and they do not take into accoton timely payment they punish us Pros They lower my balance from 500 to 30 dollars after a missed payment due to fraud on my account i just paid them off and im done! Hello Klarna!!! By Afterpay! Cons Balance on account account significantly . Du to a missed payment they will reduce you money balance and thats not fair im leaving...balance paid in full Switched from [Klarna](https://www.capterra.com/p/230509/Klarna/) Klarna does not reduce your balance just for a late fee Review Source HW Hannah W. Tax Accountant Accounting Used the software for: 1-2 years ### "Easy to use" January 21, 2026 5.0 My overall experience with Afterpay has been great! Any time I want to split payments I choose it over other software's. Pros Afterpay helps me easily spread payments out over time. I love how many places offer Afterpay as a payment option now! Cons I have not had any issues with Afterpay. The app is great and helps me track any payments that I need to make so I never miss anything! Review Source KB Katyra B. Owner Cosmetics Used the software for: 6-12 months ### "Great Experience " February 3, 2025 5.0 My experience was very wonderful I received my payouts in a timely manner, I have a seamless experience with After pay. Pros I liked most that I'm able to provide extra payment options to my customers Cons There is nothing that I liked least about After pay. Alternatives considered [Sezzle](https://www.capterra.com/p/195895/Sezzle/) Reason for choosing Afterpay Because consumers need options because they won't always get approved. Review Source JM Joanne M. Manager Pharmaceuticals Used the software for: 1-2 years ### "Great program " November 30, 2025 5.0 I use Afterpay often. As well as my friends who are now regulars. It’s a great pay system that allows people to split payments up and pay overtime instead of just using a credit card. Pros I just recently found Afterpay. I am glad I did as it’s a wonderful program that I’ve passed around to my friends and it’s been a success. Cons I did find it difficult contacting someone when I needed to or just had a question. I wish they had more merchants. Review Source AR Ajshanique R. Eligibility Screening Rep Hospital & Health Care Used the software for: 1-2 years ### "My review of Afterpay" July 25, 2025 5.0 Overall, I absolutely love it! I would recommend it to anyone. I love being able to purchase something that is of high value and given the opportunity to pay over time. Pros I loove Afterpay! It is super convenient and allows you to get more for your money and make payments over time. Cons Not a lot of stores use After pay, so sometimes you were limited to what you could used it for. But most likely, you will find one of your favorite stores or brands that offer it. Review Source VR Verified Reviewer Office Assistant Health, Wellness and Fitness Used the software for: 1-2 years ### "Affordable No Interest Platform" July 26, 2025 5.0 Overall, Afterpay is an awesome platform and I'm glad it became popular. I like the convenience, affordable monthly payments, easy account management and that it's super user friendly. They have a mobile app and you can access it on a computer. Super convenient and easy to learn. Pros I absolutely love Afterpay. The no interest and affordable payments make purchasing something that is expensive a lot easier. It's super convenient and easy to sign up. There aren't any hard credit checks and a lot of retailers use the platform. Cons Obviously a downfall is that there are late fees if you don't make the payments on time and sometimes it may lead certain people to spend more than they think they can afford monthly. Review Source RD Renico D. Payroll and Software administrator Construction Used the software for: 2+ years ### "Easy to pay with Afterpay " July 15, 2025 5.0 Love it and use it a lot on unexpected expenses that you don't budget for, like car repairs, or something kids need for school or sports Pros That you can make purchases and be able to pay it off in 4 installments, so getting that something you need of want so much easier Cons That the installments are every second week and some people gets paid monthly, that it the only thing I can think off that can be a con. Review Source KM Kyle M. Director of Client Services Marketing and Advertising Used the software for: 2+ years ### "Great pay-in-4 solution for ecomm brands" January 11, 2022 5.0 Overall, it creates a great customer experience, which is the most important thing. With the emergence of other pay-in-4 options, I'd still take Afterpay above the others (Klarna, Affirm, etc.) aside from Shopify Installments (for Shopify brands). Pros My experience using Afterpay is in conjunction with Shopify only. It was easy to install/deploy and their team was very helpful in the process. Once the script is installed, it just works. Customers see the details on product pages and the option to use it during the checkout process. Cons The dashboard is outside of Shopify and the reporting isn't always clear in Shopify for which orders use Afterpay and which don't. It was also difficult to find how to adjust the minimum order value to qualify for Afterpay use. Lastly, the in-cart implementation for the Shopify AJAX cart required a back-end developer while I was hoping it would just be a simple toggle in the app's settings. Alternatives considered [Klarna](https://www.capterra.com/p/230509/Klarna/)[Shopify Plus](https://www.capterra.com/p/171845/Shopify-Plus/)[Affirm](https://www.capterra.com/p/218694/Affirm/)[Shopify](https://www.capterra.com/p/83891/Shopify/) Reason for choosing Afterpay I chose Afterpay over all the alternatives except for Shopify's native installments feature. This is because Afterpay has a great marketing program that promotes its brands really well. Afterpay Day is also a huge draw and has been a great source of revenue for many of my clients. Review Source VR Verified Reviewer Owner and Artist Arts and Crafts Used the software for: 2+ years ### "Very convenient program" November 15, 2024 5.0 Pros I like that you can accept payments in installments it through a third-party vendor. I also like that you can pay them off early. Cons I don't have anything that I do not like about afterpay. Review Source LS Laila S. CEO Consumer Services Used the software for: 1-2 years ### "Unprofessional " November 10, 2024 1.0 They threatened to freeze my account due to my request of updating my phone number after sending them my drivers license showing my full name & address, phone bill from carrier which proves number change, Canadian government ID, address and date of birth. Completely unprofessional! Pros Nothing at all besides offering 4 pay installments Cons Horrible customer service and incompetence to comprehend Review Source MP Marko P. Photographer Photography Used the software for: 1-2 years ### "Afterpay review" November 15, 2024 3.0 My overall experience with afterpay was positive but disappointing Pros What I liked most about afterpay is the concept of the program and the comparability with other payment platforms Cons What I liked least about afterpay was its inability to correctly connect to bank and its finicky mobile website Review Source JW Janette W. CEO Computer Software Used the software for: 6-12 months ### "Do not use AFTERPAY!!" September 24, 2024 1.0 Customer service sucks. They do not care about helping people. Blocked me after having my bank account hacked and only owing $12.96!! Pros At first a good way to help manage payments. After that horrible Cons I owed only $12.96. Then my bank account was hacked. Successfully paid the balance and still blocked me from future use. DO NOT USE THIS EVER!! Review Source AM Amy M. Clerk Government Administration Used the software for: Less than 6 months ### "Amy's review" February 3, 2025 5.0 Pros Afterpay is amazing. It is such a great company to use if you need more payment options! Cons Nothing. It has a lot of good features and benefits to using it. Review Source CK Caitlin K. Assistant Practice Manager Health, Wellness and Fitness Used the software for: 6-12 months ### "The perfect app for girl math" September 18, 2024 5.0 Pros I love the ease of paying off your balances. Cons I honestly cannot think of a single thing I do not like about it! Review Source SF Sarah F. Owner Apparel & Fashion Used the software for: 2+ years ### "Afterpay is a great pay in 4 payment option" June 19, 2024 5.0 Overall it has been easy to use and customers love it. Pros Customer's can pay in 4 installments easily. Setting it up was fairly easy and quick. Cons It takes a while to receive payout compared to other provider's. Review Source KF Krystal F. Founder Retail Used the software for: 1-2 years ### "Great Option" August 7, 2024 5.0 Pros I like the flexible payment plan options! Cons There isn’t anything I dislike. It’s easy to use! Review Source TT Tameisha T. IT Specialist Computer Hardware Used the software for: 2+ years ### "1-2 Missed payment RESULTING FROM UNFORESEEN EMERGENCIES, AfterPay turns into a NIGHTMARE! " October 25, 2022 1.0 I was on an unpaid sick leave that unfortunately for me resulted in 1 or 2 missed payments. I’ve explained that I was terribly Ill and was not paying attention to the fact that ANY of my accounts set of for autopay was being rejected due to an expired card. UNLIKE most sensible merchants who contact their LOYAL CUSTOMERS or any customer when they notice a payment has been missed, AfterPay resorts to NON HUMAN FORMS OF COMMUNICATION! Less than a month later when I was back on my feet I IMMEDIATELY PAYED OFF THE PAYMENTS MISSED ALONG WITH THE ONES THATS WASNT DUE. To my surprise, PENALIZED BY AfterPay DRASTICALLY! My spending limit that was near $2000, a result of on time payments since late 2019 had been decreased to $50. ALL of my rewards stripped! I tried to appeal this by reaching out to customer service but received repetitive emails not explaining the drastic PUNISHMENT, but a regurgitated script of “SORRY FOR THE INCONVENIENCE THIS HAS CAUSED….SPEND MORE MONEY TO BUILD BACK UP YOUR LIMIT.”The NIGHTMARE continued when I conceded and took the L when I realized AfterPay is A COMPANY WHO HAS NO REGARDS TO THE PRESENT DAY ISSUES WHERE THEIR CUSTOMERS HEALTH COULD BE THE REASON BEHIND A MISSED PAYMENT! The past couple of days I’ve been trying to buy 2 items under my now $50 spending limit. AfterPay HAS REJECTED EACH ATTEMPT CLAIMING THAT THE PURCHASE EXCEEDS MY SPENDING LIMIT! Pros At first it was a convient way to purchase what you WANT without making any sacrifices to you important and necessary bills. I would use the service to by clothing, perfumes, sneakers etc. Cons AfterPay is good until you have an issue. The company causes issues that impacts your account for months at a time and the consumer has no control over what happens! In the end a fun service turns to an unnecessary nightmare!My problems started when I received an Email from Afterpay support that my account had been Hacked. I responded to the Email and that was the beginning of the end. You would think changing my password would be fix the issue but it wasn’t. The various agents working on my case forgot the reason of my inquiry to THEIR email turned into me reaching out to them to report a breech in my account. This took over 2 months to resolve! If they had PHONE SUPPORT, this would have never been an issue. Review Source KH Kristen H. Small business owner Cosmetics Used the software for: 6-12 months ### "SCAM company. Use KLARNA or AFFIRM" September 2, 2022 1.0 Pros Ease of use is the only compliment, but they make this easy because they willing To steal your money Cons This company allows retailers that are scammers. I purchased a "Dyson -like" hairdryer/ air curler from a place called CURLY. And it arrived this super cheap plastic product that doesn't work. I sent the product back immediately with a shipping tracking and wrote CURLY to let them know I returned the product and then they stopped messaging. I've now been "in contact" with afterpay about it for 2 MONTHS! Even though they've seen proof my product has been returned to CURLY, they've continued to take each payment out and keep saying "we are still waiting to hear from the merchant". When it comes to klarna and affirm, when they see you've returned a product, that company themselves refunds you immediately. Way more reputable and safe to borrow from. Right now I have no product and am out $200 from AFTERPAY not taking responsibility from a horrible company. Review Source DH Delena H. CSR Building Materials Used the software for: 1-2 years ### "My favorite go-to!" November 15, 2022 5.0 Overall, Afterpay is my go to! Pros I love everything about Afterpay. It's a great software with a huge shopping base. Have never had any issues and I love shopping at the palm of my hand. Cons At first I didn't like that my shopping was limited. That has absolutely changed since they have expanded their shopping base. Review Source KH Kaitlin H. Payroll processor Online Media Used the software for: 1-2 years ### "Love love it! " June 11, 2024 5.0 Pros I love that if you won’t have full amount up front, or would rather pay the full price in increments. It’s so helpful! Cons I don’t have a con. Other than I’m so used to paying with everything on Afterpay! Review Source SD Sara D. Owner Health, Wellness and Fitness Used the software for: 2+ years ### "There is ZERO customer support " January 20, 2022 3.0 Pros I like what the actual product is and it’s ability to provide customers with an additional payment option Cons I cannot get in touch with anyone that will help us. We have been trying to get on their catalog and participate in Afterpay day and other promos for the last 2-3 years, we were directed to marketing and told to upload our assets, we did that and nothing happened, then we sent them several emails, never heard back, emailed multiple different areas to find out the status, nothing, no response. To date we have never heard back or been added to to the catalog and can’t participate in their promos. Alternatives considered [Klarna](https://www.capterra.com/p/230509/Klarna/) Review Source TP Twyla P. Business Development Manager Consumer Services Used the software for: 1-2 years ### "Treating myself without breaking the bank has neve been so easy! " July 21, 2023 5.0 My overall experience with this app is extremely smooth, the interface is user friendly and I love seeing that they are working with more stores/vendors every week! Pros I love that you see the benefits of making on time payments over time as the app is utilized. When I first started using Afterpay I only had $500 to spend and now I am able to spend well above that if I want, just because I make on time payments. Cons I wish I could pre-set automatic payments for other lengths of times. For instance, I use my Afterpay primarily to purchase pet supplies and cosmetic products, I go in each week and schedule early payments because the app won't let me schedule them for auto pay at other intervals, more specifically weekly. Review Source Similar Products Featured ## Related categories [Payment Processing](https://www.capterra.com/payment-processing-software/) ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.