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
Room for improvement
Most times when I log in, it tells me, “sorry we encountered a problem. Try again.” This is especially embarrassing when I’m at the cashier and in a queue. I may try several times to log in and the shop assistants are not always patient. Neither are those behind me in the queue.
Great until you need customer service
I purchased a gift card from afterpay on 09/05 as I have done many times with no issues. I had the first installment taken out while also being declined for the purchase... So they took my money without providing the product. I received an email regarding a refund the same minute that I received confirmation of my order. It said 5-7 days for a refund so I waited but it's obviously been much longer. Ive had back and forth conversations with afterpay who just told me to speak to my bank but my bank says that they can't see any credit until it hits the account so now I'm left in limbo and wasting my time trying to recover money that shouldn't have been taken in the first place. Absolutely shocking customer service.
Been using afterpay for over a year now and i love it, as its really handy and helps a lot when your in need. But just one time missed one payment for one day and freeze my account and surprisingly my credit limit went down terribly to zero. Like wth for one payment and I paid it off the next day.
I Feel very very disappointed with afterpay. The costumer service are terrible. You ask them a question instead of clarifying things it makes u more insane. Unbelievable. I'm kinda hesitant of using afterpay again. Once I pay my debt won't use them again. Terrible service!
I been using afterpay for more then a year till now always trying to pay off early or whole amount before due date.
Today i tried to buy myself a gift card using the app very surprising got declined for no reason when having nearly $1600 in store purchases available not understand the logic at all my current balance is just 400 which i brought a laundry machine paid off using afterpay ....
After contacting the customer service there was no reply for nearly 3 hour's still waiting....
I will pay my outstanding balance soon as possible and move on...
It seemed every loyal customer have had limit reduced or taken away
So it seemed lately without rhyme or reason loyal excellent paying customers who have never been late have had credit limit slashed or taken away with no acceptable and proper explanation. Just read all the latest reviews in product reviews, what on earth is happening to the once upon a thyme a very cool Australian startup who cares about their customers? Where is the proper explanation instead of scripted template they seemed to be so good at sending out to customers? They used to have Australian call centres now they use overseas cheaper lab...our and they do not understand a thing, talking to them is like talking to the floor. You should try it some time it is very enjoyable talking to the floor, I suggest the entire Afterpay Australian staff members work group try it some time- talk to the floor that is The entire roll out of card tap was a complete fail! Customers were not advised of the imminent inconveniences with many customer taken aback when their favourite stores who have been taking afterpay faithfully was suddenly told they no longer accept afterpay - even the retailers were not told about this massive disruptive roll out, meanwhile Afterpay had no mitigating plans in place to counteract this massive disruption and retailers were turning away customers who want to use Afterpay ( something they had been using all along) Poor risk assessment. Whoever came up with this bright idea should have its head rolled. I personally was turned away from a retailer who told me they no longer accept Afterpay then several weeks later they said to me 'oh we did not know we actually accept Afterpay we just cannot accept it for several weeks in store - do it online' Yet this same store ( along with many other stores) also have products that say 'not available online - in store purchase only' I think it is time to remind ourselves that the founder and owner of Afterpay have bought himself a piece of real estate for 18.5 million dollars whilst many of his customers are very upset of the treatment they have received. https://www.domain.com.au/news/afterpays-nick-molnar-makes-like-a-billionaire-buys-development-site-next-door-for-18-5m-1037056/
The recent changes to Afterpays instore purchases is absolutely rediculous! ALOT of customers do not have phones that are compatible with NFC, so they are unable to have access an afterpay card, leaving them unable to purchase anything instore ever again. Why try and fix something that wasn't broken. The barcode system was easy and accessible to all customers. When speaking to customer service about this, all they could do was apologise - yet offered no alternative option for customers who can not access an afterpay card. Very disappointing.
Convenient but lack of service
Ok to use if its your thing but useless since a re-activation that needed to be put in place took five business days. So much for the 'buy now pay later...
Think they are so big they don’t care about the customer
After hundreds of payments made by me, 70% before the due date I missed two payments on the same order. This was during a very stressful time for me as I had just lost my dog of nine years. Both of these payments incurred a $10 fee which I acted and made the payments very quickly after he due date. They stripped my Loyalty Awards. I was advised they would be reinstated as of 1 May. This hasn’t happened and when I contacted them I was told I would need to wait another 6 months. They are totally heartless and couldn’t care less about the custom...er. I have advised I will be closing my account and I was told when I have made the two $27 payments due (that is all that is left on my account) I can then close the account. There are many other companies in the market now where you can actually talk to a person. My advice is find the company with the best customer contact, it certainly isn’t AfterPay.
After pay is great until you have to contact them or talk to them you cant get anywhere with them
Card declines everytime and i hate the card would rather have the barcode system back again
Never get a straight answer to fix the problem
Haven't been able to purchase any gift cards at all.been emailing calling customer service and totally getting no where. .I was told it's communication error then was told it's a issue with prezzee told so many other reasons but Noone is able to resolve this issue. I also was told to purchase something other than a gift card then I will be able to purchase a gift card which didn't work either. This is becoming a joke as all emails say the same thing.
Terrible customer service. They rather throw terms and conditions at you instead of answering your questions. There is no human element. If they wanted to truly reward their loyal customers they would have left their payment system the way it was rather than introduce this archaic Pulse Rewards system. What a joke.
Great service but...
So I really enjoy using Afterpay, and can really help with being able to purchase items I need and may not be able to pay for upfront.
I do however have a massive complaint about how the service treats expiring cards. A debit or credit card is still valid until the last day of the month of expiation, however, at the 8 week mark before expiry, they block you from being able to use the service. Now, in most cases, a new card will not be issued until the last minute from your provider, which means, no more Afterpay, for up to 8 weeks, yet a cancel...
I have to closed my afterpay account late last year to get a home loan approval. During late March when everything was done, I have request to reopen my account and I have a $3000 limit. At first I thought it was great, because it like a replacement to credit card. Somehow today I check the balance, the whole limit going down $0. To my surprise is that I have make all payment on time and some of the payment is still 2 weeks away. I guess because the company can't make money of the people paying on time which is fine with me. Anyway I will pay out my account as soon as possible.
Thanks afterpay for a great shopping experience and I have purchased what I need for this month.
Can't buy gift cards
I bought a few gift cards with Afterpay successfully, then they decided to random block me from getting any. Since then I havent used Afterpay for weeks and still am being blocked from buying any gift cards, with zero explanation from Afterpay
The first time I’ve ever been penalised by a company for spending and paying instalments early. They decreased my limit with no explanation. So much for rewards I was actually penalised. I’ll be sure to use Zippay in future where possible.
Questions & Answers
Why would my limit go from 3000 to 2000 and Ive never missed a payment?
I've never missed a payment with afterpay now my spend limit has been reduced from $3,000 to $2,000 wtf???
Same thing happened to me today. Never missed a payment either. Think I’m gonna call them
I have had afterpay since 2015 or 2016 and spend 1000s with you, im on pulse rewards until mid 2022 never missed payments, always paid early, and recently i have a 3000 limit for in-store use and now its 2000 so why?
When this happened to me I was told that I had too many orders (even though I owed $227) and it takes 24 hours for the ‘system’ to recognise payments. I made a number of payments on 3 June but in the early hours of 4 June my limit decreased by $1000 for six hours. Restored now. I really think that Afterpay needs to stop with the algorithms.
I had the same I just checked and mines gone down to $2000 from $3000 also.
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