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Afterpay

Afterpay

 Verified
Afterpay
3.2

3,165 reviews

Positive vs Negative
65%35%
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Transparency ?
3.4
Customer Service
3.3
Rates and Fees
3.8
Application Process
3.8

 AI reviews summary 

Pros
Platform convenience: A segment of reviews highlights the service as easy to use, convenient for budgeting, and helpful for managing purchases without paying interest.
Cons
Customer support: A subset of reviews notes that getting in touch with human support is difficult, and responses rely heavily on automated or AI-generated messaging.
Account management: Multiple users report frustration regarding account closures, restrictions, or difficulties in reopening accounts.
Verdict

Feedback regarding Afterpay is heavily divided, with some long-standing users appreciating the platform's convenience and interest-free structure for budgeting. Conversely, a large volume of negative reviews points to widespread frustration with unresponsive customer support, automated chatbot loops, and difficulties resolving disputes or account restrictions. Several users also express dissatisfaction with recent app layout updates and strict account closure policies.

3,165 reviews
5  zack  · Helpful and currently resolving my issue with the Afterpay team.
1  Georgie W.  · Customer service is awful. They use slow, repetitive templates that contradict each other and don't help at all.
1  CryptoCommerce  · They have closed any phone support now (15.07.26) for merchants. They do not respond to emails and the service has gone from bad to worse.
1  Paul C.  · The worst of the worst customer service. Not even AFCA can sort them out.
1  John  · credit check without my consent, which was not reported to me as customer.
1  Gerard  · After pay protect the vendor with little to no regard to the customer.
di
di 73 posts
 

Becareful if you close your account it is permanent. Which means you can never in your life apply for another one.that is their policy i just found out .I think this is a good thing because it keeps people out of debt and in my case living within my means is a great thing .i had a high rating afterpay account and I chose to close it months ago… Read more

but for Christmas I thought I should reopen it but I found out I can't so it's workout very well for me but just thought I tell other people incase they didn't know like me

Rod R
Rod R NSW 3 posts
 

Afterpay are a company who tells lies. I can provide written proof that is still available on their website, that my account is totally up to date,. Yet amazingly they claim my last two payments weren’t recieved. They refused to look at my history on their site, which is impeccable. In essence they say anything to justify freezing my account for… Read more

no reason Be very careful dealing with them. When I complained at their treatment you end up on an endless loop of internal reviews, which never go anywhere

Lawrence
Lawrence 7 posts
 

Applied for afterpay,, was approved then changed my mind, next morning i reapplied for it, no go, now banned for life. wtf is this? Grateful now though as I only wanted it for a week. what a dodgy company

Ask the reviewer

Reviews with attachments

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The Organiser
The Organiser 8 posts
 

the staff are rude sound like they are all on drugs and lie that there isn't a supervisor in the floor when you ask for one and keep hanging up on me numerous times... Mike, Zoe, Messa just to name a few if the 30 hang ups i have experienced...the service is great but their callcentre staff are disgusting...i worked in callcentres this isn't how… Read more

they are suppose to act towards customers at all they should all be fired!!!!! photos are of a dispute that they haven't done anything about and I never received the items so i want full refund but no they still waant payment

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Mafra T.
Mafra T. NSW
   Verified

What an absolute joke of a company. My account has been frozen for TWO MONTHS, and I’ve been asked to submit my ID and proof of purchase using my card at least 10 times. And yet, nothing has been resolved. They called me the other day and claimed they’re “working hard” to fix the issue. Two months of the same bullshit, and that’s the best excuse… Read more

they can come up with? I genuinely don’t understand how this company is still operating with such pathetic customer service and zero accountability. I feel sorry for the people wasting their time trying to resolve what should be a simple issue, only to discover that it’s apparently an impossible task because this company doesn’t have competent people capable of doing their jobs. Absolutely disgraceful. I’ve never experienced such a complete lack of professionalism and basic customer support.

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VSHOD
VSHOD QLD 9 posts
 

They kept adding fees and never explained why after 12 emails to the company ignored all me email enquiries - I STOPPED USING THEM

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mllllllll
mllllllll 73 posts
 Published  · Edited

dodgy biz, ***deal drop, spend $100 n get $20 off they said give u $20 off when you spent $100 in certain store, then they only deducted $5 !!! ridiculous! if they do not deduct the right amount n i will return ALL my purchases

mllllllll
mllllllll   

Warnings TO everyone, don’t fall for afterpay !!! so I have got afterpay reply n I am going to do… Read more (+2 replies)

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J D.
J D. SA 14 posts
 Published  · Edited

Update late July 2026** I refused to accept their lowering of my limit and after several lengthy messages expressing my dissatisfaction and refusing to accept the copy paste responses or them saying they couldn't change my limit back to what it was I eventually said I would go to the ombudsman and hey presto my limit was restored to what it… Read more

rightfully was before the below BS occured.

Early July 2026 The support takes days to respond with a single message often a copy paste response that addresses approximately 0 issues. I have never missed a payment in years, and did not reschedule payments more than once in that time. I have dutifully built my spending limit over time however I recently had a small payroll error that delayed my salary by 3 additional days and despite my reaching out well in advance of the repayment date to request a date change no response from support .. with over 48 hours before repayment it took them a full 30+ hours to respond with a copy paste msg saying payments cant be changed 24hrs or less before the due date... no acknowledgement that i had in fact requested this within the specified time frame... they had the audacity to lower my spending limit for the few days delay in my salary like I was the one at fault and not their own support. Update above.

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oli b
oli b 98 posts
 

no good if they do not have phone number to talk to human neither messages are no showing ,they do not reply to messages getting charged extra fees is no worth, have the afterpay shame that all is automated,like AI, would advise people stay away from afterpay, save money and buy outright what you need.

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Ihatecouriersplease
Ihatecouriersplease NSW 3 posts
 

Afterpay makes random credit assessments on your credit account which also lowers your rating down without notifying you. in the beginning afterpay was fantastic whenever I made a purchase I know it'll be exactly two weeks after that time I'll make my first payments which allowed me to manage my payments whenever I got paid, but now sometimes it's… Read more

eight days later less then two weeks so the whole paying four structure is a lie unless you change your preferred payday to the date you purchase. Which is a pain in the butt to do that every time. It takes them a very long time to get back to you and if you are late for a payment even if you have an impeccable clean record they will take features away from you and not notify you until you try to make a payment for something and it doesn't work. I made a full payment yesterday of everything that was due and then a payment of $39 comes out of my account this morning that I didn't authorize. I'm going to go ahead and pay out whatever I have left in my account and then I'm gonna close it. after pay is a scam there is no benefit. I will post this review everywhere I go people need to stray away from afterpay. .

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Apar
Apar 2 posts
   Verified

Afterpay deducted a payment from my account, yet the transaction remained pending and I was subsequently charged a $10 late fee the following day. Scamers

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melodykimgeo
melodykimgeo NSW 5 posts
   Verified

I used Afterpay for most of my online shopping. It is all good as I paid my dues on time. Until I purchased a products that was misleading and fake that using the legit name of the product/Company that I believed and intend to buy. But when I received the products it was a copy/fake. I contacted the seller customer service email and number but I… Read more

can’t able reach. So my last resort is to try to cancel my payment but I can’t see an option to cancel my recurring payments. And I contacted Afterpay if they can help me to cancel my payment. It was very disappointing to know that they can’t help me. So Afterpay was just for the sellers benefits because even scammers can use their payment method to scam people around the World and they don’t do anything about it.

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laniakea
laniakea 10 posts
 Published  · Edited   Verified

fake afterpay australia scam by hacker's this is how hacker's steal's your money and your identity information and when you report to afterpay australia about the scam the hacker's has spoof and spoofing your email and your telephone number with their generated automatic fake computer coding of their signature hacking software engineer and is… Read more

trying to force you to give them your life and give up your life this is the method tricks tactics by the hacker's who has taken over your whole account and the parasite's puppet's will get what they deserve when they are judge by god when they met god for their sickening sinister's sinfulness that they caused you and wrong you when judgment day happens because these parasite's puppet's are demon's devil's in disguised puppet's parasite's of darkness entities that wear fake masks and hide behind a basic computer because this is part of their plans to steal from you and forcing you to give up your life from this corruption world caused by them. do not call or answer the fake number because all the hacker's needs is your voice identification and also ask you more information to get from you. the hacker identity fraudster thefts scammer parasite's puppet's want you to give up your identity and your life so that they can get away with stealing your money and stealing your identity and stealing your life by force's with their nonsense and are inprisonnating to be from afterpay australia this is how this parasite's puppet's make their money and all of your money that they stolen from you pay's for their high maintenance lifestyle to show off their millionaire and billionaires lifestyle expenses that is made by dirty money that they stolen from you with blood money to all their innocent vulnerable victim's that they stole from because they are serial murder's and serial killer's. also afterpay security system's is vulnerable and easy to hack by the hacker's and after pay will not notify the brench of all the stolen original data of your account and afterpay need's to be accountable of selling their customer's identity and information and also they should reimburse all of the stolen money that the hacker's stolen from you this is your customer right's by law to be refunded full reimbursements of all of your money that been stolen by the parasite's puppet's. aftepay is helping these parasite's puppet's with not helping you with the issues with your account because the corrupt algorithm computer system is corrupt by the parasite's puppet's their security systems is trash. afterypay makes money from you with their scams and also if we all complaint and report this scam we can all sue afterpay for violating our privacy and selling our identity and stealing our money because how much you have report the issues with afterpay customer service's which afterpay does not want to help you because your sharing this information with the paraite's puppet's an inside job in afterpay corruption and greedy to make a profit from you. afterpay customer service's is not going to help you because afterpay customer service's just want to make sure that you can not talk to a real person representative from afterpay your better writing to the ceo of afterpay directly or your government of your country and the cybercrime investigation authorities involved that afterpay needs to be charge and sue and fine for stealing your money and stealing your identity with their scam. please note that the response fake email from the hacker identity fraudsters thieves scammer parasite's puppet's addressing it to themselves of my afterpay account that they have stolen but still addressing it to my email address of my account that they have taken over and andrea is not my name this is proof evidences of how these piece's of poop are especially with trying to sounds as if they are legitimate with pretending to be from afterpay representative customer service's do not be fooled by their sophistication organisation scripts bad actor's that they copied from the actual real afterpay business company that they stolen this information from with simple copy and pasted and make fake masks aliases names as their profile these parasite's puppet's of poop.

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CPE
CPE 12 posts
   Verified

Personless system No phone number even for complaints see screenshot You can't call them from Australia no customer service number chat only which is pretty poor when their system doesn't work chatbot terrible ineffective doesn't open til 10am loops around the help section copy paste worst contact system I've seen or faceless organisation. You can call them in USA and Canada but not from here...?

CPE
CPE   

Thy have no way of calling them you have to lodge a call back and no phone complaints system afca would have a field day with them

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Harry Mehr
Harry Mehr NSW 16 posts
   Verified

First of all, I am confused about whether Afterpay India or Afterpay USA is the correct place to deal with this issue. I have been trying for a long time to get resolution from AFCA support team for long time now and every time, AFCA members mislead me into believing they are focused on the issue, but then I am directed back to the Afterpay app or… Read more

website, where an automated system continues to run. The reason I am writing this report is to gain a clearer understanding of which authority is responsible for doing what is right, honestly and without dishonesty, to help people get their money back into their bank accounts and stop this madness. Afterpay’s poorly designed payment system has stolen money from people who are supposed to be receiving refunds from merchants. In some cases, Afterpay claimed they received a refund but never processed the transaction, and they charged full amounts without releasing the funds. Many transactions remain pending, and they refuse to refund these. Despite my repeated complaints, AFCA team members ignored my concerns, changed the case subject, and misled me in every way possible. They took sides, bullied me into accepting their version, and the worst part is that when I complained about AFCA to the ombudsman, even worse things happened. I provided numerous pieces of evidence proving that Afterpay stole money in this manner, but they refuse to take responsibility or do the right thing. If I wasn’t able to recover my money, they remain silent. Currently, they have limited my account access and sent threatening messages, saying I am not allowed to continue using the account. They have already charged me for the Afterpay Plus monthly fee but refuse to respond to my case. Afterpay's customer service is among the worst I have encountered, and unfortunately, all their customer service team seems to be of the same nationality as Uber and DoorDash, with clear differences in service quality between Afterpay USA and the so-called Afterpay available in our country. I will send my statement to the review team to expose how badly this payment method has become a systemic scam of BNP or buy now, pay later. Please, someone help me find a proper way to address this dark and repugnant behaviour of their customer service department. If it’s within the scope of our government to do something about this, please let me know. I want to show how much money Afterpay stole from me, how they refuse to provide a clear explanation, and how they started with misleading apologies and false directions. It’s been a long time since I opened this case, and they ignored it, passing me to AFCA with terrible communication, falsely claiming that Afterpay is good and implying that I am not capable of doing anything right. I need help to find a way to report this scam to government authorities. I take responsibility for my statement about this dark and hidden scam that could potentially harm our economy. Thank you.

Harry Mehr
Harry Mehr   

The Afterpay issue, even after a few months, ignores the fact that the refund has been paid to me,… Read more

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Sandie
Sandie 13 posts
 

Careful on this service Afterpay, without warning or reason declined a transaction under $150 being a long time customer with no money owed on the account.. No customer services directly available to contact or resolve in Aust except a generic email & chatbot response. The afterpay service is now unreliable...At worst extremely … Read more

Dangerous & Unsafe if using any transport service linked to your Afterpay account like Uber etc, to get home especially on late nights after work or if you've been out even... worse if you've been consuming & get your transport payment declined if using afterpay stay safe & look at better & reliable payment options.

Latest follow-ups

Gretchen
Gretchen QLD 13 posts
 

ZERO Customer Service – I have been a good AfterPay customer for a few years now. I recently made a purchase with a company I have not used before but which had the AfterPay option. I received 'confirmation' of my order along with a fake tracking number for 'shipment.' I… Read more

immediately tried to contact the company - number not connected and emails are a rotation of 3 automated chatbot responses. I then contacted AfterPay customer service to advise that I wished to dispute the transaction because it was clearly a scam and nothing had ever been shipped. The response from customer service was that they're not responsible for packages not received. I advised them that no package was going to be received as no package had ever been sent. They VERY helpfully provided me with the same email address that they had already been advised was only issuing the chatbot responses and tod me I had to wait 48 hours. I contacted again after 48 hours only to be told AGAIN that AfterPay is not responsible for packages not received.

I can see from other reviews I found that AfterPay has had several queries/complaints about this merchant but they continue to allow them to use the AfterPay payment platform which, at best, means AfterPay is knowingly allowing scams and fraud.

 Follow-up  · I cancelled my AfterPay account and haven't missed dealing with them at all. I use my bank's steppay option and they have far superior customer service.

Rod F
Rod F NSW 22 posts
   Verified

Have conducted an Afterpay account since May 2021 and have always used the facility with prompt payment and in a professional manner. Last week ago,… Read more

the organisation decreased by available credit by $100 without giving any reason for the decision. I have strong employement history together with an excellent credit rating of 840 and I am easily able to service any purchase made. Afterpay did not request any details regarding my employment, credit rating or any liabilities I might have and I have reason to believe the reduction was because the facility wasnt used since Christmas. Their conduct is extremely disappointing and I have now closed the account. If this is the way Afterpay treat good customers, it is suggested everyone look elsewhere for such a service

 Follow-up  · I closed the account and want nothing further to do with Afterpay. The account was conducted in the precise guidelines the company required and they cut my credit limit without any reason. Afterpay just sent me an email outlining the credit cut and provided no reason for the reduction. My job, living circumstances and credit rating is strong and I… Read more

 Follow-up  · The Afterpay account remains closed and the organisation has made no attempt to make contact. Wouldn't bother dealing with Afterpay again.

Lyn Lagettie
Lyn Lagettie 7 posts
 

Terrible now – Apparently now you need money in your account not before I’m done with Afterpay it’s ridiculous

 Follow-up  · That I can now buy and not worry about having to put money in excellent Thanku Afterpay

Positive reviews

Magoo
Magoo SA 13 posts
 

Excellent Service and processes! My Credit card was hacked and subsequently cancelled. Afterpay were brilliant in allowing me time to get the issue resolved and my replacement card in place. Very impressed and grateful.

Kazza
Kazza NSW
 

I actually love afterpay and their service. Unfortunately my only complaint is that they changed the payment owed on due date from seeing total owed to going onto how much you owe in 15 days!!! Not helpful when I write now much I need to pay on bills weekly!! Why do companies feel the need to change things when it works!!! Now I spend an hour of my time before pay day writing down what I need to pay on the due date day!! Very frustrating!!!!

Find out how Afterpay compares to other Buy Now, Pay Later Services

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Jaymie - Lea C.
Jaymie - Lea C. 3 posts
 

Afterpay is convenient and easy to use. However, this last update has changed the layout. It is no longer possible to see the payment that needs to be paid the earliest. It now only allows you to see the payments needed in the next 15 days even if you have payments that need to be made before then. Also, they moved the amount to spend down and… Read more

replaced it with how much you owe. I understand this is a service, but it felt much more fun to see how much you have to spend first before owed (from someone who always pays Afterpay on time). Quite disappointed with this update.

Negative reviews

mdubs
mdubs VIC
 

The merchant processed the refund to my debit card instead of the Afterpay card. I asked the merchant to reverse the refund so that they could process the refund to the Afterpay card as suggested by Afterpay, but they refused. I suggested to send proof of refund by the merchant to Afterpay, so that they could hopefully cancel the payment schedule… Read more

and treat the transaction as a refund, but Afterpay insisted this is not their process and to just use the refunded amount from the merchant to continue the payments scheduled. How ridiculous that a company this big can't be flexible in their thinking and processing of refunds. The suggestion by their Customer Service officer to just use the 'extra funds' to pay Afterpay tops the cake!

Petra B.
Petra B. VIC 3 posts
 

I have been in a dispute with Afterpay for days. I paid of an item. Had a company refund me from a product I returned. Afterpay refunded part of the payment then took out another amount instantly. Ive explained the math to them as after about 20 responses fail to take any accountability for the payment been taken out. Even with screenshots of my account and countless maths equations. How it this even legal? And they play dumb.

aspireme1680
aspireme1680 VIC 9 posts
 

I have been an Afterpay customer with a $4,000 spending limit and I am extremely concerned about what has happened with my account. I noticed that money that was supposed to be refunded appeared to have been refunded and was then removed again from my account. This was not reversed by the merchant. I have now spoken to three Afterpay… Read more

representatives, sent emails and made multiple phone calls trying to get this investigated. The amount I believe is still owing to me is close to $500, yet I still cannot get a proper explanation or resolution.

Meanwhile, Afterpay took the liberty of reducing my $4,000 spending limit to ZERO because I did not make a payment of approximately $15.

Since then, they have had no problem repeatedly contacting me by email and phone about that $15, but I cannot get a meaningful response about the nearly $500 I believe is missing from my account.

I want Afterpay to properly audit my account and explain every refund, reversal and adjustment, including exactly where the refunded money went.

When a company is handling people's money, there needs to be proper accountability, transparency and regulatory oversight. Customers should not have to make repeated calls and send repeated emails just to get an explanation about money that appears to have disappeared from their account.

This has been my experience, and I am still waiting for Afterpay to properly resolve it.

Recent reviews

JASON C
JASON C SA 4 posts
 Published  · Edited   Verified

“REPORT THEM TO ASIC & take screenshots of chats, email and all money owing”…. Just for asking AFTERPAY what a transaction was on my account the idiot froze my account.( despite telling them it was a mistake) Even after telling them it was a mistake AFTERPAY continued to be misleading and deceptive by telling me they have forwarded the info to… Read more

the right department and my account will be unfrozen. ( I have emailed proof I provided to AFCA.

Froze my account and when I replied minutes later and said to cancel my enquiry about an (what I originally thought was a unknown transaction) they froze my account and have now caused me financial hardship as I do rely (and pay on time) on my afterpay account.

They said they would let the relevant department know there is NO PROBLEM and to un freeze my account but it’s still frozen.

My repayments are due tomorrow and I will be unable to make them as I did not budget for AFTERPAY to freeze my account, meaning I will not be able to use AFTERPAY for bills food and other things.

What am I expected to do AFTERPAY???

All I did was enquire about a transaction and you refuse to adjust repayments and Refuse hardship assistance.

AFTERPAY are ignoring HARDSHIP ASSISTANCE requests under the NATIONAL CONSUMER CREDIT PROTECTION code in order to justify their actions knowing I can’t afford repayments if my account is frozen and I need to live of that money.

I have reported AFTERPAY to AFCA regarding refusal to Hardship assistance under the NCCP LAW.

BE CAREFULL PEOPLE BECAUSE FOR NO REASON YOU TOO COULD HAVE YOUR ACCOUNT FROZEN DUE TO A RUDE DISGRUNTLED AFTERPAY WORKER THROWING YOU INTO HARDSHIP.

When you want hardship help which they are meant to provide, you will be ignored.

I guess I’ll just keep my money and pay off the account within 60 days and close accounts.

Thanks a lot AFTERPAY…

***UPDATE***

After having account FROZEN for no reason (excuse being an “unauthorized transaction”) & being ignored by AFTERPAY, I threatened action by AFCA & they continued to ignore me.

I REPORTED THEIR MISCONDUCT TO ASIC (Refusal for Hardship assistance due to freezing my account) & was IMMEDIATELY Contacted.

They are now ignoring my reply re: hardship repayments approval.

They now say my account was frozen due to being in hardship and deleted the chat which shows they originally froze my account due to unauthorized transaction.

I am now taking them to AFCA for “UNCONSIONABLE CONDUCT & MISLEADING AND DECEPTIVE CONDUCT.

Meriam
Meriam
 

Very disappointed with our experience applying for Afterpay Monthly. I already has an established Afterpay account with a credit limit almost equal to the amount I applied for under the Afterpay Monthly option, and I currently owe almost nothing on that account. Given my existing history with Afterpay and the fact that the available limit is… Read more

already close to the amount we were seeking through the Monthly option, the decision to decline the application is particularly difficult to understand and extremely disappointing.

My husband and I have properties, we have a strong history of meeting our financial commitments, and have never defaulted on or been late with a payment. We have a stable income and were applying for Afterpay Monthly simply as a way of managing cash flow not because we were unable to afford the purchase.

We provided the information requested during the application process, including our income (in hindsight, perhaps expenses were not reported as half I.E. shared between us both) however, notwithstanding even with the expense report her income alone has a large portion of disposable income as in thousands.

What makes the decision even more frustrating is that we actually have the cash available to purchase the item outright. We weren’t relying on Afterpay because we couldn’t afford it. We simply thought paying it monthly would be a more convenient way to manage our cash flow.

In the end, because the application was declined, we will just buy it outright.

I completely understand that Afterpay has its own approval criteria and that approval isn’t guaranteed. However, when someone has a history of meeting their financial commitments including to afterpay for years, owns property, has the funds available , perfect credit and large disposable income, and is simply looking for a monthly payment option, being declined with virtually no explanation is extremely disappointing. I do wonder who does get approved?

The biggest issue for me isn’t even being declined — it’s the lack of transparency around why. If Afterpay is going to assess customers’ financial circumstances, I think customers deserve a clearer explanation of the factors behind the decision.

Unfortunately, this experience has left me questioning the point of using Afterpay in the future. I was looking for convenience and cash-flow flexibility, but instead the application process left me frustrated and disappointed, and i will now discourage anyone from using this product.

Afterpay — you had a customer who was perfectly capable of paying for the purchase. You just made the experience frustrating enough that I chose to pay cash instead.

Andrew57
Andrew57 NSW 19 posts
 

Terrible service and user experiance. I had an account, rarely used for several years. An outstanding credit rating and never have been refused credit in the past 30 years from any institution. But for some reason a modest $2k request for their new pay by month offer was denied. No reason provided. Asked for help and clarification and was refused and kind of support. Deleted my account and will never use AfterPay ever again.

Phillip B.
Phillip B. 12 posts
 

Afterpay is no longer a safe. Afterpay changed my credit card details without my consent. I called to ask why & their poorly trained overseas customer service were unable to assist in any way so I asked to speak to a supervisor as my privacy has been breached & it’s extremely concerning. After waiting 2 weeks they finally contacted me by email &… Read more

were as clueless as their customer service. They refuse to give me a phone number to call & claim they try to call when they have not.

My advice would be to use PayPal instead as they are still safe & have competent customer service operators who can actually help resolve an issue.

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