--- title: "Afterpay Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "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_url: "https://www.capterra.com/p/229452/Afterpay/reviews/" page_type: "reviews" language: "en" --- 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 August 20th, 2026 # Reviews of Afterpay Ease of use 4.6 Customer Service 4.3 ## Pros and Cons in Reviews BT Brianna T FounderWriting and Editing, 2 - 10 employeesUsed the software for: 6-12 months. “Afterpay helped boost sales by giving customers flexible payment options for those who really needed them.“ July 2, 2026 JR Julius R Senior Technical DesignerConstruction, 51 - 200 employeesUsed the software for: More than 2 years. “The payments being spread out into 4 instalment periods (2 weeks between each payment) is great but I do not like the scheme of charging the customers 25% of the total amount on the onset.“ December 2, 2024 BL Brooks L Customer Service Payment SupportRetail, 51 - 200 employeesUsed the software for: More than 2 years. “Overall, Afterpay is a convenient and reliable service for managing purchases and payments.“ June 8, 2026 MM Megan M Planning EngineerPharmaceuticals, 51 - 200 employeesUsed the software for: Less than 6 months. “Additionally, the spending limits can be restrictive, especially for larger purchases, and the approval process can sometimes be inconsistent.“ October 15, 2024 Rd Renico d Payroll and Software administratorConstruction, 11 - 50 employeesUsed the software for: More than 2 years. “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“ July 15, 2025 AS Ashley S CCRInsurance, 11 - 50 employeesUsed the software for: 1-2 years. “Poor customer service, didn’t understand my needs, and my refund was not returned after I didn’t get my order“ December 23, 2024 AS ALFREDO S LEADWarehousing, 51 - 200 employeesUsed the software for: 6-12 months. “I like its payment method and its low interest rate.“ March 27, 2026 BH Brittany H Patient service specialistHealth, Wellness and Fitness, 51 - 200 employeesUsed the software for: 6-12 months. “I enjoyed being able to make payments being in a financial bind, but after I had built up purchasing power, almost 1000 worth and then they made 3 pretty large charges to my bank account that was linked and still not sure why, they locked my account right after and I haven’t been able to access it yet“ July 10, 2024 ## 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 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 BT Brianna T. Founder Writing and Editing Used the software for: 6-12 months ### "good payment option for growing sales " July 2, 2026 4.0 Pros Afterpay helped boost sales by giving customers flexible payment options for those who really needed them. Cons Merchant fees are higher than some payment methods, which can reduce profit margins on smaller orders. Review Source NF Nathaniel F. Owner Construction Used the software for: 1-2 years ### "Helpful if you are short on money." June 23, 2025 3.0 It has been helpful when I have been short on money but expensive in the long run and will even effect your credit if you cant make payments on time Pros If you dont have the money up front to pay for your purchase then you can use afterpay as payment method to pay for your purchase without having all of the money up front. Cons They charge alot more in the long run for your purchase. To the point that may only be worth it if you really need whatever you are wanting to purchase and you can make the payments on time. 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 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 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 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 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 DZ Denis Z. Finance Officer Environmental Services Used the software for: 1-2 years ### "Afterpay is your shopping MUST!" December 17, 2024 5.0 Excellent. Very satisfied. App very easy to use online and in store. No fees to pay. Can't complain! Pros So easy to use! So good for my cashflow. And makes me buy more than I would usually buy! Win Win! And the most important thing, it DOES NOT affect your credit report when you join Afterpay and use it! Cons You can't really customize your repayments but I guess that's the deal when it's free of charge! ;) Review Source VS Vanessa S. Admin Human Resources Used the software for: 1-2 years ### "Not a preferred choice" December 10, 2024 3.0 It was overall pointless and a waste of time for myself Pros The opportunity was cool and once got to final step it was showing up as not approved. Cons The fees and the inconsistency with the approvals staying current Review Source BM Blake M. Author Writing and Editing Used the software for: 2+ years ### "Afterpay helped me. " October 31, 2024 5.0 It’s been easy and it makes getting everything I need convenient. Pros It helps out in a bind. Helped me pay for some things on a pay day week. Cons So far so good. I have no complaints about this application. 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 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 ML Margaret L. Owner E-Learning Used the software for: 1-2 years ### "A Great Product Payment Option " September 11, 2024 5.0 Very good experience! The site is easy to use and convenient. Multiple credit cards can be used with a clear means of using each for different products. Payment options are listed on a specific page for clarity and another pages lists all purchases with the amounts "paid" and "yet to be paid." Pros It allows payments to be broken up into a more affordable means of making purchases without interest. Cons The payments are made weekly instead of monthly. 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 VR Verified Reviewer Quality Specialist Dairy Used the software for: 2+ years ### "Great payment app " June 5, 2022 5.0 Love this app Pros 1\. I use this app especially paying out for clothing or other stuffin malls/shops without giving any upfront payment. 2. Great installment options. 3. Great deals for app customers. 4. Give points to app customers in which they can extend their payment dates, no upfront payment on shopping. 5. Digital card which you can save in your wallet and use for payments. 6. Your card details, payments will be protected from scammers. Cons I did not find any problem while using app. 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 BH Brittany H. Patient service specialist Health, Wellness and Fitness Used the software for: 6-12 months ### "Scam I didn’t see coming, suddenly took 300 and closed account, don’t do it! " July 10, 2024 1.0 I enjoyed being able to make payments being in a financial bind, but after I had built up purchasing power, almost 1000 worth and then they made 3 pretty large charges to my bank account that was linked and still not sure why, they locked my account right after and I haven’t been able to access it yet Pros Purchasing merchandise in monthly payment plans Cons Didn’t always approve to help me pay in payments Review Source TW Towanna W. Owner Apparel & Fashion Used the software for: 2+ years ### "Excellent Payment Option" December 16, 2021 5.0 Pros Easy to use and no credit checks. Customers who we introduce the product to end of buying more since they have payment options and not risk running a credit check. Cons The ability to use in store. If I can quickly get the AfterPay option in-store as a payment option, it will increase sales. I filled out the application/form 4 times. Other Boutiques have it and it’s taking a while for me to get it. Review Source AH Avanna H. CEO Retail Used the software for: 1-2 years ### "Greatest Since Sliced Bread" December 16, 2021 5.0 Pros I love that it can easily help customers attain the products they want immediately, and breaking down the payment with no interest Cons Nothing that I could think of at the moment Reason for choosing Afterpay I personally use Afterpay and like the ease and interface which is user friendly. Customer service on installing it to Shopify was GREAT. There were no troubles. Whereas Klarna had us manually installing it and there were errors occurring Review Source Similar Products Featured ## 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.