Free to use - Zero Interest and No Establishment Fees
Seamless integration within stores with a large number of merchants offering AfterPay
Automatic payment plan of 4 equal instalments each fortnight
Credit check not required; doesn't affect your credit score
$10 Late Fee for missing an automatic payment
$7 Fee on top of $10 Late Fee if you fail to repay the missed instalment within 7 days of the due date
May affect your ability to secure a loan as lenders consider Afterpay a line of credit
Reviewer Photos & Videos
- Verified customer
What a waste of time! Is this a personal data harvesting scam?
After an enticing discount offer to use Afterpay with eBay, I decided to jump the hoops, setup and verify my account. With an "estimated available to spend" $600 in my account, I tried to make a purchase for $395 and was declined. I have never been declined credit, I pay all my bills on time and manage my home loan just fine.
I feel like I have just given over a lot of my private information to a company that does not honor its claims.
I wonder if this is just a huge data harvesting scam to raise stock price and sell peoples personal information? That's how big tech is making their money these days.
This has been a huge waste of time...
Afterpay playing dodge ball
I purchased something of Ebay, not recieved. refund issued, Ebay then Paypal sent me confirmation that money was returned to Afterpay, been since the 12th feb and still nothing contacted numerous time with screen shots and nothing. email and phonecalls, ACCC next if that dont work, well sadly issue a letter of intent. so sad as I have only had great dealings with Afterpay, and such and insignificant amout. have never missed a payment and have the maximum amount to spend.
I run a small business and use afterpay to purchase tools etc. It's hassle free and great for cash flow. For years banks were not interested in small business. It would be a backward step if users are subjected to credit checks and providing income details etc as being proposed.
Afterpay are Scammers
Purchased items from officeworks and after not being able to get the items, I cancelled my order. I paid off the afterpay amounts straight away as I thought they would just then return the amount of money paid. This did not happen however, Afterpay have informed me this is not how their product works, they will keep the money on any cancelled orders. Do not use this company, they are a scam. Pay your order in full or choose another BNPL company to use. I was told how they were scammers previously but didn’t believe it as I had not experienced it, wish I trusted that person now. I will be using Zip Pay in the future.
Afterpay is Great.
I've been using Afterpay for a couple of years now for various items and the only whinge I have is when they started taking the first payment upfront. They sent an email saying I was eligible to stop this but when I tried they said I had to have a smart phone...I'm smart enough and do not need a stupid phone to tell me it's smarter than me. I have a flip top that I love, phones are only for talking on and that's all I need. I have a great desktop computer and a great laptop for when we holiday. I don't really care about the first payment but ...did think that was a dumb reason for not giving that option to me. I never have more than a few hundred $ on it at best and it's not that hard to keep on top of your bills so it shocks me a bit when people whinge and leave bad reviews when they've missed payments! They do send reminders that the payment is coming up so what's the good of your smart phones when you can't keep on top of emails. I loves Afterpay.
Frozen from an account I’ve never used....Can not rectify problems with there c/s team (b/s team) and will not attempt to fix. Not happy and thankful there are other companies similar...
Bad Phone Customer Service
From all past experiences, Afterpay customer service over the phone are very rude, and not considerate of questions or queries.
I sent emails months ago with no response.
Not happy overall
Better Than a Credit Card
As long as you are careful and don’t make large purchases you can’t handle, Afterpay is a great service for low income earners who have difficulties paying for something they need/want in one hit. Like lay-bys, it enables you to spread your payments into more manageable chunks without incurring fees.
The catch is, if you miss a payment, they sting you hard with a penalty fee. I make sure my payments always fall on payday so I know the money will always be there. Honestly, I’ve been using Afterpay for a long while now and have only had a 100% positive experience. I love it.
Was good, company got big now it’s terrible.
I’ve been with Afterpay since they started essentially.
I’ve always paid my payments, have never missed one.
I slowly built up my limit to $1500 and then suddenly overnight it went back down to $1000.
Their whole systems is stupid and Afterpay customer service sucks.
Just like most other companies, as they got big they started failing the very same people that made their business.
Not good.. very dissatisfied
I'm up to date with my account, but because I have missed a few payment just a week ago it's straight to lock account zero and now once I had paid it off I'm still waiting for it to unlock my account at the moment it's saying no available to spend..zero..please afterpay I have emailed you guy so many times, that you are repeating your words . Don't lie and say if we can help fix this problem it's depends on the data system that can resolve this matter..
I have a Afterpay account and i had $1450 limit and and after paying my repayments i had $400 left on spending available then last night it goes to zero which has now left me with $1054 spending limit. I call Afterpay to find out why it has decreased when i am always on time with payments. They could not give me a answer and was very rude and i asked to speak to the supervisor who was also rude and also could not give me a reason and did not want to help me with my enquiries. I will pay off my account and will never use Afterpay again
Won’t help with refunds
I made a purchase and the retailer didn’t send me my items, I have been chasing a refund with the retailer for three months and I contacted afterpay who told me I have to go through the merchant. Well the merchant closed their business and I am left without my items and with no refund. Sent afterpay all the information including emails etc and they have said they will ask the merchant to refund me but the merchant has not responded. I have a perfect repayment history with afterpay, I’ve never asked for their help in four years and now when I do...they say they can’t do anything because they need the merchant to agree to the refund. So I contacted my bank and my bank contacted afterpay who removed my banks card from my account, suspended my account and sent me an email telling me to tell my bank that this transaction is fine and they will remove the suspension, they are asking me to lie to my bank (commit fraud) and they are blackmailing me with the suspension. They can keep my account suspended as I won’t lie to my bank and now I’m taking it further to the ombudsman. I will never use afterpay again, untrustworthy, customer service doesn’t exist, unhelpful, they use blackmail. I have requested my call recording today be emailed to me and the person wouldn't confirm he would, he kept telling me someone else would have to call me back in an hour. I asked to speak to someone now and I was placed on hold, after 35 mins of being on hold the call dropped out. Afterpay have already had three months to resolve. I DO NOT RECOMMEND. I RECOMMEND IF YOU ARE ALSO UNSATISFIED TO - Make a complaint via the https://www.afca.org.au/make-a-complaint so that a investigation can be taken into these types of matters. Afterpay should have a legal way to gain a refund without the merchant approving.
No buyer protection
I was ripped on by a Afterpay merchant that went into liquidation and when I approached Afterpay to arrange a chargeback they couldn’t get rid of me quick enough.
They don’t back you or provide any sort of protection like visa or MasterCard do.
They couldn’t wait to get rid of me and I got a basic email that told me they don’t get involved in refunds and you need to contact the merchant yourself.
I’d like to add they didn’t take anytime to review my request because it’s not a refund it was that I purchased something and had nothing delive...red and that the company kept taking online orders full well knowing they weren’t going to deliver as they were going into liquidation. I would expect Afterpay to vet their merchants better and provide fine sort of buyer protection. Sure they are great for the basic buy now pay later service but that’s about it.
Terrible customer service continues
Since submitting my first review I received 9 emails from afterpay customer service. “I just tried to give you a call and was unable to connect to the number”. I have my mobile phone with me at all times, no call received, no missed call. Afterpay are yet to resolve my account issue irrespective the error was made on their end.
I joined Zip Pay and made 2 purchases to date. Very happy with Zip Pay service.
I was about to submit my review I saw other reviews experiencing similar issues to mine. “People don’t use Afterpay, join Zip Pay”.
Have contacted afterpay regarding a refund and have not received a response. I have only received one part payment!!! One payment was cancelled and am still waiting for two payments. Apart from this I have had no problems at all. Only this particular purchase. An email was sent to say refund had been proceeded into my bank account but am still waiting
Ok but could be better scam for fees
So late on a payment I get a $10 late fee then a $7 fee on top for not paying within 7 days. last I checked late was late also dont I gett punished by not being able to use my afterpay if a payment isn't made in time. so make it 1 or the other not all 3 punishments.
even tho the next payment not due for a fortnight what gives sounds like a scam getting a refund is hard and stupid
Zippay better to use with Google pay I think also using mobile as certification is useless if some1 gets my fone they get it anyway and if I don't have my fone I can't use it anyway so it's useless and can't use without net useless
Poor business model
Small business owner here,
Have clients wanting to purchase off me using afterpay so i tried to join.
Got a pathetic email saying something about me not meeting their requirements and they only offer trials to certain businesses.
Won't be looking at using them again that's for sure.
After pay is the best for me. I’m now able to purchase items and no initial payment on purchases. So I have two weeks longer. No fees or interest. I have the money to buy things but Afterpay allows me to save and receive interest from my bank and I always make early payments. This product is good as long as you can truly afford what you are buying. Fantastic if you want to pay something off in a couple of months.
Questions & Answers
So my after pay account has been blocked for a while now I'm aware I owe them money but will they still help me once I pay it back or am I done for please help ???
I created a after pay account but my account was instantly frozen after I attempted to use it even tho I had the money in my account it declined it says I don’t owe any money
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