# Page 2 | Afterpay Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - 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 # Page 2 - Reviews of Afterpay ## Showing most helpful reviews Showing 26-50 of 306 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use BL Bethany L. Receptionist Hospital & Health Care Used the software for: 2+ years ### "It is great for businesses and customers!" April 21, 2025 5.0 My overall experience with Afterpay is very beneficial for a business and a customer. This payment plan allows businesses to get more customers because of the flexibility it brings. It helps the client make big purchases but make it more manageable. Pros Afterpay is an amazing addition to include to your business and personal life. If clients need to make a large purchase, they can split the payment into 4 charges (without any interest). These payments are made every 2 weeks. It is amazing for people that need to spread out a large payment. I have also used it for my own personal purchases for large items. Cons Afterpay does have late fees if you do not pay your payment on time. Although, you can set up automatic payments for the card you used the first payment for, so unless you do not have the money in your account, you will not be charged a late fee. Review Source NR Nicole R. Owner Entertainment Used the software for: 2+ years ### "Afterpay is for everyone! " April 3, 2026 5.0 As long as payments are made Afterpay is the best app to get you the things you need when you can’t afford those things. Afterpay works with all online shopping apps. It’s great! Pros The payment rewards and how the app helps me out in a pinch until payday. Afterpay works with all major shopping apps! Cons Sometimes life gets busy. I think there could be a one time payment missed forgiveness. Mistakes happen and having to start back over with minimum credit isn’t fair to the ones who always pay on time and missed one payment. Review Source EJ Eric J. Welding lead Oil & Energy Used the software for: 1-2 years ### "Afterpay profit now." December 25, 2024 4.0 I love the increase in sales and profits since i started using afterpay. Pros It allows customers to break down payments over time while allowing the company to receive full profits up front. Cons It sometimes rejects customers with not much visible reason. Review Source SH Sherree H. Owner Arts and Crafts Used the software for: 1-2 years ### "Quick and simple" May 1, 2025 5.0 I was able to sign up easy and quick. Was simple process that can understand. The home page is set up perfectly and easy to navigate. Stores listed with image and words that are great to be able to see them. Different things listed at the start making it a great experience without the hassle of not finding what you need or want. Adding my card for payments isn't hard at all. You can extend your payment date if needed. Lots of stores listed. Some places have AfterPay as a option at checkout making it quick and easy. Pros The ease of signing up for a account is top priority for me. Easy payments. Cons Would like to be able to easily set up monthly payments instead of bi-weekly. 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 SM Sapphire M. RN Hospital & Health Care Used the software for: 6-12 months ### "Unfair Practice!! Scammers" February 18, 2025 3.0 Was going smoothly until I made my payment 1 day late. Pros Being able to pay off early. Cons My payment was due February 14th and due to my hectic work schedule I forgot but made my payment the next day on February 15th. Afterpay lowered my available amount from $1000 to $700 and dropped my credit by 12 points. A 7 day grace period is given but they still punish you for being 1 day late. I don't need this type of stress in my life so I'm closing my account. 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 JK Justin K. Engineer Accounting Used the software for: 1-2 years ### "Avoid Afterpay, false advertising" April 30, 2025 1.0 They advertise a Buyer is protected when using their service which is completely false. I purchased through Afterpay and the retailer filed for bankruptcy before I revived my order. I asked them for assistance and was turned down and told to contact the retailer, who no longer is responding to emails. Complete waste of money, find a service that actually cares about it's customers. AVOID Afterpay!! Pros Easy method for paying for something with quick checkout. Service similar to Affirm . Cons False advertising by advertising as they do not protect the customer despite advertising such. Review Source SJ SHERYL J. FIELD ESTIMATOR Consumer Services Used the software for: 1-2 years ### "A Flexable, No-Fuss Shopping Experience" February 18, 2025 5.0 I've used the application for various purposes & it hasn't yet let me down. Applying doesn't impact your credit & provides more credit to loan once you've established a good standing account with Afterpay. Pros Flexibility & more freedom: The application provides options of how much you want to pay & how often. Cons Software makes it seem like there aren't interest payments, however at the end of the payment cycle, I've ended up paying much more than what was originally billed. This is understandable as this is the route in which the company can actually make a profit from these loans. Review Source JR Julius R. Senior Technical Designer Construction Used the software for: 2+ years ### "Afterpay is Makes Shopping Easy" December 2, 2024 5.0 I enjoy using Afterpay and I have a great overall experience. This provides consumer enough time to save for the succeeding payments with so little interests as compared to ordinary credit cards that has great inflated interests. Pros This is probably the best way to purchase an item and pay later on an agreed payment period. The feature that I like the most about Afterpay is easy way to pay for your purchased items either in store or online. It also gives users the flexibility to pay in 4 easy instalments. Cons 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. I would wish that that first payment would be paid 2 weeks after the purchase is made. 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 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 VA VALENTIN A. General Manager Information Technology and Services Used the software for: 2+ years ### "10/3 Still getting run around on my refund/DO NOT USE AFTERPAY " October 14, 2024 1.0 On 10/3 I ordered furniture from IKEA. I attempted to use Afterpay. Afterpay charged me but the transaction failed with IKEA but Afterpay still charged me $30.85, they took directly from my account. 10/4 I contacted Ikea and they informed me that the transaction failed and to get a refund from Afterpay. I started the process that day. It's the 14th of October and still getting run around from them!! Pros Nothing! I had an absolutely horrible experience with Afterpay! Cons THE FACT THAT I STILL HAVE NOT RECEIVED MY REFUND! Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) I've switched back! DO NOT USE AFTERPAY!! 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 JB Jeremiah B. Security Hospitality Used the software for: 2+ years ### "Afterpay has revolutionized online shopping." January 23, 2025 5.0 My experience with afterpay has been a delight, being able to acquire more lump sum products and goods. Pros Having the flexibility to arrange payments that most benefits my financial situation. Cons I have no cons to note at this time my experience has been nothing but positive. Review Source LL Leah L. Study Coordinator Hospital & Health Care Used the software for: 2+ years ### "Avid Afterpay User" January 27, 2025 5.0 I use Afterpay monthly for smaller purchases like work scrubs. Pros I like that you are able to finance smaller purchases. Cons I do not like how they have limited payment plan options. 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 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 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 MG Marissa G. medical assistant Hospital & Health Care Used the software for: 1-2 years ### "will continue to use !" January 3, 2025 5.0 game changer for sure ! absolutely love using afterpay love that i can use it online and in stores as well. supper easy to use in store. they send out reminders day before payments as well. Pros supper easy to use and now can use instore as well! Cons i dont dislike anything about this app it is amazing 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 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 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 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 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!! 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