# Afterpay Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Afterpay the right Payment Processing solution for you? Explore 308 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 (308) [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 July 3rd, 2026 # Reviews of Afterpay Ease of use 4.6 Customer Service 4.3 ## Pros and Cons in Reviews Effortless setup and operation 100% positive reviews out of 45 Most reviewers describe ease of use as a major benefit, highlighting quick installation, intuitive navigation, and minimal learning curve. High fees and refund issues 47% negative reviews out of 43 Some users say pricing is a drawback due to costly fees, delayed refunds, and complicated reimbursement processes. Flexible payment plan choices 97% positive reviews out of 30 Most reviewers indicate payment options offer customers installment plans, interest-free alternatives, and adaptable scheduling at checkout. Katyra B. Owner, 1 employee. "I liked most that I'm able to provide extra payment options to my customers" Convenient multi-payment structure 96% positive reviews out of 25 Most users comment payment split enables breaking purchases into manageable, interest-free installments, improving affordability and sales. 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 308 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 BL Brooks L. Customer Service Payment Support Retail Used the software for: 2+ years ### "Convenient and Budget-Friendly Payment Solution" June 8, 2026 5.0 My overall experience with Afterpay has been very positive. It offers excellent value for money by allowing purchases to be split into manageable installments without paying everything upfront. The platform makes credit card payments simple and easy to track, helping me stay organized with my finances. The account management features are user-friendly, making it easy to view payment schedules, update payment methods, and monitor spending. The invoicing and payment reminders help ensure that I never miss a due date. While I have occasionally experienced minor bugs and issues, they have been infrequent and usually resolved quickly. Overall, Afterpay is a convenient and reliable service for managing purchases and payments. Pros I like how it makes purchases more manageable by allowing customers to split payments into smaller installments instead of paying the full amount upfront. The service is easy to use, has a simple learning curve, and integrates with many popular retailers. I also appreciate the convenience of tracking payments through the app and the transparency of the payment schedule. The features help shoppers budget their expenses more effectively while still getting the products they need. Additionally, customer support is available when issues arise, making the overall experience smooth and user-friendly. Cons I can’t think of any cons about using Afterpay! It’s an excellent option to have when you’re low on cash and in need of a purchase. Switched from [Klarna](https://www.capterra.com/p/230509/Klarna/) I just wanted to see the differences between Klarna and Afterpay. They are both great options. 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 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 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 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 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 BM Bianca M. Admin Assistant Publishing Used the software for: 1-2 years ### "I love Afterpay!" October 24, 2025 5.0 Pros I enjoy using Afterpay as an option when ordering items online. It makes budgeting easier and allows for more flexibility with purchases Cons I haven’t experienced any cons while using the Afterpay platform. It’s been a smooth and convenient way to manage purchases online. Review Source tR tania R. Office Administrator Construction Used the software for: Less than 6 months ### "Easy of use" September 23, 2025 5.0 My overall experience is a very positive one. no issues and very easy to use and manage just from a app Pros I liked the option of secure payments and the 4 instalment option. It also allows 4 payments to be made on credit card Cons no thing it was easy to use and has a very good app that is easy to navigate around. Nothing negative to say Review Source OT Olivia T. CEO Cosmetics Used the software for: 1-2 years ### "A life saver for small businesses" January 10, 2022 5.0 Such an amazing tool to use and so easy to install. I like how they caagorize businesses and allow customers to find you based on your store (e.i. Small Business, Black Owned, Woman Owned) and they send out emails letting you sign up for their promotions. After pay really cares about the businesses. Pros Afterpay allows us to receive larger orders than we did before we connected them with the store. Our customers have commented that they enjoy afterpay are are happy that we offer it. At this point if you have a small business and you don't have afterpay, then you are really hurting yourself and your potential customers. Cons The fees are the only downside, however I would much rather pay small a fee and receive more orders, than to not get the orders at all. After pay definitely brings more customers. Alternatives considered [Klarna](https://www.capterra.com/p/230509/Klarna/)[Affirm](https://www.capterra.com/p/218694/Affirm/)[Sezzle](https://www.capterra.com/p/195895/Sezzle/) Reason for choosing Afterpay The popularity with potential customers, as well as the overall ratings. Review Source NC Niko C. Director of Operations Consumer Goods Used the software for: 1-2 years ### "Afterpay Review" January 10, 2022 5.0 Amazing! Pros The ease of use and integration is what we like and appreciate most about Afterpay. It is critical for payment processing to be as simple as possible for customers in 2022. Cons The reporting and administrative portals could be better. Would like to see a more comprehensive dashboard of sales and analytics. Alternatives considered [Klarna](https://www.capterra.com/p/230509/Klarna/) Reason for choosing Afterpay Pricing, customer service, and ease of use/integration. Review Source CC Chelsea C. Owner Hospitality Used the software for: 1-2 years ### "Highly recommend using it!!!" June 13, 2024 5.0 Pros I like it because it is so convenient. It is a fast and secure way to purchase goods. It allows you the time needed in your budget to procure the goods you need immediately without putting a strain on your account. Cons I have had no problems thus far with afterpay. They clearly state and update you about your payment plan. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) I find afterpay to be a friendly option available on more websites than I utilize. Review Source GP Goran P. Owner Wholesale Used the software for: 1-2 years ### "Afterpay worked great as a resource for our buyers" May 22, 2022 4.0 Our experience has been only positive with Afterpay. Our customers like their process, and so do we. Pros Afterpay offered a great alternative for our customers. Buy now pay later is a growing trend and is here to stay. It is a great offer to pay over time with no interest, and Afterpay was easy to deploy to our site. Cons At this time, I have not yet found anything I did not like about Afterpay. Alternatives considered [Affirm](https://www.capterra.com/p/218694/Affirm/) Reason for choosing Afterpay We offer a few payment solutions, and Afterpay is primary. Review Source AS Ashley S. CCR Insurance Used the software for: 1-2 years ### "After failed me " December 23, 2024 1.0 Bad experience, y’all failed me, I order some shoes and it never came to me Pros It was cool until I never got my order and I paid for it and never received a refund Cons Poor customer service, didn’t understand my needs, and my refund was not returned after I didn’t get my order Review Source AH Aroha H. CEO Animation Used the software for: Less than 6 months ### "DO NOT USE THIS APP!!!" November 7, 2024 1.0 Terrible, I would never recommend this app. They say that they updated their privacy yet unauthorized purchases of over $200 have been made on my account. Refusing to reverse the funds although they can see them and can reverse before processing Pros The only good thing about the app is how excited I am to receive me REFUND!!! and delete it Cons The customer service is slow and terrible. Having to speak to AI while trying to handle an unauthorized purchase made on my account is frustrating. They can see the unauthorized purchase and still won't return my money until a dispute is made which will take 2-3 weeks. Review Source EB Erinn B. Client Service Specialist II Accounting Used the software for: 1-2 years ### "LOVE AFTERPAY - it is a great platform to utilize " September 18, 2024 5.0 My overall experience with afterpay is great! It doesn't effect your credit score. As long as whoever you are purchasing something from accepts afterpay and you can make the payments it is a great way to break up a payment amount. The payments are every two weeks. Pros What I like most about Afterpay is it an interest free way to make 4 payments spread out. You can get late fees if you don't make your payment on time, but this is a trustworthy site to make payments on an amount. Afterpay can be used on many different site. Cons There is nothing that I can say I don't really like about afterpay. Review Source MM Megan M. Planning Engineer Pharmaceuticals Used the software for: Less than 6 months ### "Quick & Easy to use - need more merchants" October 15, 2024 4.0 Pros The ability to split my purchases into manageable, interest-free installments, making it easier to budget for larger items. The approval process is quick and straightforward, allowing me to use it almost immediately. I also appreciate that there are no hidden fees as long as payments are made on time. Cons Potential for high late fees if payments are missed, which can add up quickly and become a financial burden. Additionally, the spending limits can be restrictive, especially for larger purchases, and the approval process can sometimes be inconsistent. I also found that not all merchants accept Afterpay, limiting its usability. 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 ML Madison L. Business development manager Construction Used the software for: 2+ years ### "Good app! Love this" September 5, 2024 5.0 Good experience overall. Very convenient Pros It’s easy to use in the app and in other apps Cons Nothing. It’s pretty simple and easy to use Review Source SE Sherri E. AR Analyst Consumer Services Used the software for: Less than 6 months ### "No Flexpay for me" September 10, 2024 2.0 After pay is easy to use but the inflexible payment terms was disappointing Pros The monthly payment terms and the ease of use Cons Unable to pay off early. Unable to change payment amount if the purchase goes on sale 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 SM Shivani M. CEO Cosmetics Used the software for: 1-2 years ### "Afterpay is a must!!" January 10, 2022 5.0 Afterpay is the second most used form of payment on my website and since adding it to my website, overall sales on a monthly basis has doubled. Everyone loves the idea of paying off their full balance in installments and Afterpay would always be my first choice to do that. Pros I love how easy Afterpay is to use. The layout for customers and the merchant portal is so simplistic and straight to the point. Everything is so easy to access whether I want to check all my current purchases using Afterpay or whether I want to access all of my customers purchases from my website through my merchant portal. The integration was very quick and easy and the process to apply for Afterpay went very smoothly. Cons I’ve been with Afterpay for nearly 2 years and I have never ran into any kind of issues using this Afterpay as a customer or as a business owner. Everything has met my expectations thus far. Review Source SV Sahar V. Creative Director Apparel & Fashion Used the software for: 1-2 years ### "AfterPay increases cart values" December 16, 2021 5.0 We run on Shopify making our integration with the app basically a plug-and-play experience. It took us at most 2 days to get running with their system. Pros AfterPay allows customers to purchase what they want, when they want, without waiting for their next pay period. The payment processing system has increased our total cart value. AfterPay has become a great way for our wholesale clients to put only 25% down on their large purchases and by the time they have re-sold our products, they can easily pay off their balances early with AfterPay. Cons Customers have mentioned that they wish AfterPay was more widely accepted at all retailers. AfterPay's customer profiles and analytics could be a lot stronger in the dashboard. We would love to know more about our customer's shopping habits, likes, and dislikes. We also have customers who were gladly accepted by Klarna (their competitor), but they can't make a single AfterPay purchase. Reason for choosing Afterpay AfterPay has stronger brand name recognition. Review Source NR Nicole R. Director of eCommerce Consumer Goods Used the software for: 6-12 months ### "A huge boost in sales thanks to afterpay" December 16, 2021 5.0 Overall, I have had a fantastic experience with Afterpay and would recommend it to other colleagues. We do not use any other pay in 4 methods other than Afterpay. Pros I like that afterpay gives our customers flexible spending options. We have noticed in an increase in sales on our eCommerce store and many of our customers use afterpay as their payment method. Cons The fees are larger than I'd like for them to be and sometimes we have issues with customers saying they didn't receive their refund when we processed it on our end. Reason for choosing Afterpay it was the one I heard of the most. they did well with their brand awareness. I wanted to work with afterpay for personal reasons too because I always choose to shop with afterpay over Klarna or Affirm 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.