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Afterpay

Afterpay

 Verified
Afterpay
3.2

3,100 reviews

Positive vs Negative
66%34%
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Transparency ?
3.4
Customer Service
3.3
Rates and Fees
3.8
Application Process
3.9
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
3,100 reviews
1 Jeremy stoeckli  · Very average experience as a merchant. Don't bother. No communication, no contact details, no explanations and ridiculously high fees.
1 JMB  · After pay do not support victims of domestic violence, no matter your situation and offer no help or support in victims reclaiming there finances and life,
1 Anthony F.  · Terribly run company that preys on poor people. Looking forward to the day they outlaw this company.
2 fuk these guys  · bad actors - only out to protect sellers don't except any buyer protection i can't even rate them better than fleabay.
2 Efren  · Worst costumer service, I am requesting a closure letter because I have closed my account but they don't answer my emails.
1 C G.  · Afterpay is Worst of all… for a $10 repayment they charged extra $17.. So 25x 17 =425???!!
Jane
JaneNSW2 posts
  Verified

After several years of using Afterpay without incident, I am now a very disgruntled and about to be ex-customer. A week ago I misplaced my Visa card (to which my Afterpay account is linked). I cancelled the card and requested a new one. Before the new card arrived, I made several purchases using Afterpay. Problem was that I forgot that that card… Read more

was linked to my AP account and the payments failed. ( It was not top of mind as I mostly use Amex rather than Visa because of the Qantas benefits and excellent customer service when something goes wrong). A day or so later Afterpay emailed me to say that I was losing certain benefits due to a number of failed payments. The penny dropped and I immediately changed to another card on my Afterpay account on the same day as received the notice. I emailed AP to explain the situation but the next I heard from them was a notice telling me I owed $50 in late payment fees. Clearly AP's computer or AI lacks the ability to read and understand human communication. Given the nature of the standard responses to my correspondence I am certain my emails had not been read by a human. I requested a follow up review of my issue by a human Customer Service Manager. Following a phone call I was told that AP would wipe off my late payment fees, but despite my previously clear record and my immediate payment after learning of the problem and my correspondence, AP have decided in their wisdom to block my usage for 3 months. I won't be using the "service" again.

Matty D.
Matty D.2 posts
 

Wish I could give them no stars afterpay are a pack of jokers that dont have the time n day to listen to there customers been using them for awhile now in the last couple of weeks had my limit scraped and now ive just had my Upfront payments turned back on this company is an absolute joke Zipay is better than these rip off artists dont trust them at all

Ask the reviewer
Julie Barker
Julie BarkerWA8 posts
 

I contacted AP about a purchase that turned out to be a scam. Quality Australian made sandles (byLuna) that turned out to be Chinese rubbish. Only one payment had been made and I wanted the rest stopped, and had not received the items which I no longer wanted, after 3-4 weeks. AP sent me a message saying I had the items, which I didn't. Then said… Read more

seller was sending soon and closed off the complaint. They ignored that it is a scam and have paid the seller. Sandles arrived and are the cheapest rubbish I've ever seen, worth $12 au a pair, paid $224au. Shame on AfterPay just flicking me off and assisting the scammers to steal from an aged pensioner.

Reviews with attachments

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melodykimgeo
melodykimgeoNSW4 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
laniakea10 posts
  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
CPE5 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 MehrNSW15 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
Sandie13 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.

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viska c
viska c2 posts
  Verified

What a rubbish customer service experience. I got charged twice for the same transaction, and even though I raised a dispute, I was told that once the duplicate items (which I never authorised in the first place) were returned, I’d get my refund. I did exactly that, in good faith and the merchant confirmed the refund was sent. But Afterpay keeps… Read more

saying they haven’t received it. Been going back and forth for days, and then one of their reps called me. I thought finally, some progress — but nope. The call was just them repeating the same info I’d already been told in messages. No solution, no new updates, just 45 minutes of my life wasted.

Honestly, if you’re going to call, at least come with a solution or something useful. I can read. Can’t wait to close my Afterpay account after this.

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Nomi Prethan
Nomi Prethan3 posts
 

Horrible app and customer service. The app is difficult to navigate and clunky. I am not allowed to change my maiden name to my surname despite providing a marriage certificate, which is listed as an acceptable document as per the Afterpay website. Now my name is 'pending' despite it still being my maiden name and I can't use Afterpay at all.

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Annie o
Annie o
  Verified

My problem that I thought i caused, but found out was done by a scammer or computer glitch. An private IT told me when it happened and I was at uni no where near my phone. Now I must suffer because of policies that do not have amendments for irregular circumstances. Or an appeal process. Or any way to know i am talking to a human being that is… Read more

capable of flexible thinking, complex thoughts and real world problem solving.

Because all I get is quoted policies and a probably fake name stamped on the end.

I would get the EXACT same results from googling my question and sticking and sticking the greetings to the highlighted results.

They cannot help with anything.

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Ulfa
UlfaQLD
  Fair Incentive Verified

I have zero recommendation for this app, first of all the told me to wait for the refund money for 2week . And after that nobody responses my mail and again the told me that the payment was unsuccessful but from my bank account their record they did deduction of money for the third time . So disappointed, they dont want to responsibility for that and i lose my money without reason. They kept refused it .

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Natalie L.
Natalie L.
  Verified

I am writing to express my deep dissatisfaction with AfterPay's handling of buyer protection and the refund process. My experience has been incredibly frustrating, highlighting significant flaws in their system.After opening a dispute regarding my order, I provided extensive evidence to support my claim. Despite this, obtaining a refund has proven… Read more

to be nearly impossible. The lack of responsiveness and support from AfterPay has left me feeling unprotected as a buyer.

Adding to my frustrations, there is no customer service number to call for immediate assistance, and their chatbots are unhelpful and frustrating to deal with. I've been promised callbacks seven times, yet I have never received a single call. This lack of communication is unacceptable and leaves customers feeling abandoned.

It is disheartening to see a payment service that claims to prioritize customer satisfaction fail to deliver on that promise. The lengthy and convoluted process for resolving disputes is not only inconvenient but also feels dismissive of legitimate buyer concerns.

I urge potential customers to be cautious when using AfterPay, as the current system does not seem to safeguard buyers effectively. My experience has been a stark reminder that buyer protection is not guaranteed, and I hope AfterPay will take the necessary steps to improve its processes for future customers.

PS- This dispute has been ongoing since 2/24

Latest follow-ups

Natalie S.
Natalie S.SA17 posts
  Verified

Beware of this app i was in hospital when 3 purchases where made in store in another state when id seen this i reported straight to afterpay changed my passwords and all they said i have to pay and they frozen my account i even sent them a police… Read more

report and proof of the hospital discharge paperwork , they will not accept it , looks like theyve been system has been hacked stay away if you dont want a wold of stress i am currently going through .I even have proof on my history on my phone this app is disgusting please use PayPal or a credit card if you need it these are scammers .

 Follow-up  · I don't know how my security was breached my phone has never been lost or in anyone's else hands they did investigate police found it was made on an old phone not mine police have been very helpful and afterpay as well I must say though during this whole process which took over just a month when going through the afterpay app asking questions I… Read more

Leanne S.
Leanne S.VIC
 

Total nonsense been with afterpay over 10 yrs froze my account now i have to prove who i am including bank statements theyre taking funfs out of my account why do i have to show statements up yours laterz im leaving very bad customer service

 Follow-up  · It was a random nsecurity check apparently no explanation they want my licence and 3 receipts that ive paid my afterpay payments which is really st^pid because it comes from my bank account .when i bought this up a lady with an indian accent got irratable and hung up on me disgusting customer service

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Cjackie
CjackieNSW4 posts
 

Is anyone else having an issue using the Apple Pay payment option when you’re trying to pay your weekly/fortnighly payments? I am so frustrated. I have spent 2 days hitting “Apple Pay” then it just gets stuck on the wheel of death and doesn’t move.… Read more

I have tried all the standard troubleshooting there is before I reached out to Afterpay chat. Finally reached out to them and they are just so useless that it’s enraging.

They keep giving me advice for “declined payments” when my payments are not declining, it’s a technical issue. Then I put in a complaint just so I could possibly talk to a manager to get some technical help and then he comes back with “there is no issue with the Afterpay app. Contact Apple Pay”. Huh? I sent him a video of the issue, and screenshots and they just ignored. Not to mention, I’ve been using Apple Pay non stop outside of the Afterpay app. It’s been like this since the app update. But I am not getting anywhere with Afterpay. But they’ll happily charge me late fees despite me begging for bloody help :-(

 Follow-up  · Afterpay customer service chat continued to have no interest in solving my problem. Each time I contacted, as above stated, they would send me copy and pasted robotic replies about something completely different. I also emailed Afterpay help email & got no reply at all. There were a few threads on reddit about people having the same issue, so it… Read more

Cjackie
Cjackie   

Fast Forward 2 weeks & it’s still not fixed. Infact, now since both the IOS update & another app… Read more

Positive reviews

Isaiah F.
Isaiah F.
  Verified

I have been using AfterPay for around 2 and a half years, and haven’t had a single problem in that timeframe that hasn’t been resolved my support swiftly. I use it mainly to afford my wants that I would otherwise spend the same amount of time paying off as I would saving up, like PC parts, skateboarding equipment, sometimes food, etc. As long as… Read more

you don’t overspend on it and make sure you can make the payments in advance you will be fine, and in the few times where I was out of work for a week, the app lets you reschedule for a week later, and once you run out of those (I believe it’s about 5-10 times but I can’t say for sure), I’ve contacted support 3 individual times and they have moved the payments to the next week, even those not normally movable like 4th payments, and understand your reasoning.

Personally, my experience with AfterPay has been very positive, and has allowed me to buy many things I enjoy that I wouldn’t have otherwise afforded.

Penn
Penn39 posts
 
Transparency
Customer Service
Rates and Fees
Application Process

Love love love Afterpay. Afterpay has made things easier to manage purchasing things, especially for our kids shoes, clothing etc. We get excited when we find out more businesses have joined Afterpay. Now we can fill our fuel tanks at certain places, tyres from places we love to deal with, groceries. Afterpay at Christmas time is a blessing,… Read more

without having to pay any interest like you have to with credit cards. If you know how to manage your money, to make payments on time Afterpay can be very handy to have. We like stores that allow in store Afterpay. We have been unsure to purchase things online not being able to physically see it so to be able to go into the store to have a better look then have the option to use our Afterpay card at the register is a great thing at times. Tip, don’t overspend your budget and Afterpay is easy to manage.

Natalie H
Natalie HNSW2 posts
 

I love after pay! I just don’t like the update I can no longer see dates upcoming payments are due unless I click on them it’s annoying! Sorry its the small things!

Negative reviews

Ripped Off
Ripped OffACT73 posts
 

Like a lot of these things Afterpay was awesome when it started. Now it is just another cr#p app among many. It is impossible to speak to a human and neither I or the merchant can get in touch with them for a refund. Use it if you want but just remember how cr#p it is.

Private
PrivateQLD10 posts
 

Afterpay are deliberately obstructive, slow to respond and close cases without any response. All their responses seem automated and AI generated. This is all a result of attempting to sign up as a merchant, only to find that Afterpay refuse to disclose their fee structure upfront. The application process requires a merchant to provide sensitive… Read more

information, such as bank account details, hence I paused and did not continue with registration. Due to their failure to be honest and transparent about all fees (which I'd expect is a legal requirement) I will not be signing up my two businesses to Afterpay.

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jeff
jeff33 posts
 

I purchased an item on Amazon using Afterpay the item was $12.99 Afterpay charged $44.99 over 4 weeks. I cancelled the Amazon item but I still get charged for this. Complained to Afterpay but no response. Don’t use Afterpay there scammers.

Recent reviews

Odette
OdetteNSW
 

Terrible merchant experience. I was scammed money and have tried to make a new business account, only to wait for 3 weeks and lose more money. No one knows what is going on and there is no real process. Terrible company to do business with.

HonoraC
HonoraCQLD26 posts
 

Hopeless, hopeless, hopeless. I had a fraud on my account last month & requested my Afterpay account be frozen while I sorted out whether I had malicious software on my devices, and changed my passwords etc. Getting my Afterpay account UNFROZEN had been a Herculean effort which, after almost a month of messages, has produced ZERO results. In total… Read more

frustration, I then decided to close my account - as who would want to keep dealing with such an INEFFICIENT company. It’s been 3 days trying to do that with no results, just messages that take no regard of my history, concerns or information. Ate there any humans working for Afterpay any more? I have been a loyal and conforming customer for many years. Now, I wonder how Afterpay stays in business. I have found the service convenient in the past BUT now totally non responsive to situations out of the norm.

GCV
GCVVIC
 

Very frustrating experience with Afterpay customer service. I keep getting passed from one agent to another without any real resolution. I’ve already submitted all the required documents — my ID, bank statement, updated contact number, and email — yet nothing has been resolved. What’s worse is that different representatives keep asking me the… Read more

same questions over and over again, as if my previous responses were never reviewed. It feels like a complete waste of time and effort.

I expected a smoother and more efficient support process. This has been extremely disappointing.

Ryan S
Ryan SNSW2 posts
 

Im a very dissatisfied customer that after all these years of you making money off me, I temporarily shut my account down to apply for a home loan to reopen the account after the mortgage application went through I cant open my afterpay account again?????!!!! I will be continuing to be leaving bad reviews on every platform I can lay my hands on

chipper
chipper23 posts
 

The help bot is not good. They claimed that I missed a payment but my bank statement says otherwise. Charging me an extra $10 plus an extra payment. Fraud.. I expected better coming from afterpay using them for quite awhile now.. I never missed a payment.

Mohammed h.
Mohammed h.2 posts
 

​Subject: URGENT: Formal Complaint – [Your Order Number or Account Email] – 14 Days Without Resolution ​To the Afterpay Support Team, ​I am writing to formally express my extreme frustration regarding an ongoing issue with my account that has remained unresolved for two weeks. ​Despite my repeated attempts to contact your customer service team via… Read more

phone and digital channels, I have been unable to speak with a representative or receive a meaningful update. Being left without support for 14 days is unacceptable for a financial service. ​The details of my issue are as follows: ​Date issue began: [Insert Date] ​Order Number (if applicable): [Insert Order Number] ​Summary of Problem: [Briefly describe what is wrong, e.g., "I was double charged" or "My return hasn't been processed."] ​At this stage, the lack of communication is causing me significant stress and financial inconvenience. I am requesting that a manager or a senior support agent contact me immediately to resolve this matter. ​Please note that I am keeping a record of all contact attempts. I look forward to your prompt response within 24 hours to avoid further escalation.

What The
What TheSA7 posts
 

Well. It has started. Afterpay sacks 1000's of employees, replacing them with AI. Customer service, help and assistance all replaced by AI. ALL ABOUT THE MONEY. The billionaires want to be trillionaires!!

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