Does Amazon Accept Afterpay? A Guide To Shopping with Afterpay on Amazon

Does Amazon Accept Afterpay? A Guide To Shopping with Afterpay on Amazon

Shopping online can be a great way to save time and money. The introduction of Afterpay made it even more convenient for customers, allowing them to shop now and pay later with no interest or additional fees. With Afterpay, you can shop with confidence, knowing that you’ll be able to make your payments in manageable installments. So, does Amazon accept Afterpay? The answer is yes. This guide will provide you with the information you need to know about shopping with Afterpay on Amazon and how to track and manage Afterpay transactions much easier.

What is Afterpay?

Afterpay is a service that allows consumers to shop now and pay later. The brand partners with retailers like Amazon and offers users a payment plan with no interest or additional fees. Afterpay is available in Australia, New Zealand, and selected parts of Asia.

Afterpay allows shoppers to purchase items and pay for them in four equal installments without needing to provide a credit check or have a bank account. It can be a game-changing option for buyers with low credit or no credit and those that need help paying for their purchases.

Afterpay differs from layaway in that there are no setup or administration fees. Also, there are no coupon codes for Afterpay. In layaway, you make one down payment and have a due date to pay off the rest. Afterpay is a form of installment plan where you can take as long as you need to pay off the items, but each payment is usually smaller than with layaway.

Does Amazon Accept Afterpay?

In short, it’s a no. 

Technically, Afterpay is not an Amazon payment method, and Amazon does not allow the use of Afterpay for purchases made on the website. However, Amazon integrates with the Afterpay app, which opens the way for a couple of workarounds, making it still possible to use Afterpay on Amazon. More precisely, there are two such options: a credit card option and a gift card option. And we’ll look at both in a bit more detail.

  1. A credit card option.

Afterpay offers a one-time use credit card that can be used just like a regular credit card to make your purchase. Amazon doesn’t recognize this card as anything other than a usual debit or credit card and accepts it. To use this option, you can do as follows:

  • Open your Afterpay app, and click on Amazon in the ‘Shop’ tab.
  • Pick your products and add them to your basket.
  • Enter your shipping and account details.
  • When you reach the payments page, go to Add a Payment Method.
  • Select Add a Credit or Debit Card.
  • At the bottom of the app screen, the button labeled Buy now. Pay later will activate.
  • Untick Set as a default payment method and click the Buy Now button.
  • Afterpay will fill in the credit card fields, and you can place your order.

Still, you might want to remember that, as a single-use payment, you need to be careful not to set your Afterpay card as a default. Otherwise, Amazon will attempt to charge future orders to the same card, which will be declined.

  1. A gift card option.

Amazon allows using gift cards to pay for purchases. And it’s one more option helping you use Afterpay on Amazon. Simply put, you can buy Amazon gift cards with Afterpay and use them as a payment method during checkout on Amazon. To make it happen, you need to follow these steps:

  • Go to the Afterpay site and select the option to purchase an Amazon gift card on a dedicated Amazon page. You can choose a card worth from $5 to $500. You can also purchase multiple cards.
  • Head to Amazon and add the item you want to purchase to the cart.
  • At the checkout page, choose Enter a gift card or promotional code under the payment method. Enter your gift card number and check out as usual.

As you can see, although the Afterpay payment process is not offered on the Amazon website or at the checkout, these neat workarounds still allow you to use the Afterpay service and get the products you need without paying a huge sum upfront.

Benefits of Shopping with Afterpay on Amazon

There are many benefits to shopping with Afterpay on Amazon.

For instance, Afterpay allows you to shop now and pay later with no interest or additional fees. It means you don’t have to worry about paying off large purchases. You can make smaller payments that are easy to manage.

Afterpay also offers options for larger payments. You might want to pay your purchases off in as few as two or three installments. This flexibility makes Afterpay an easy way to make larger purchases on Amazon.

Afterpay is a great option for shopping for yourself or as a gift. If a loved one has been talking about a specific item, but you don’t want to commit to buying it, Afterpay is a great way to test the waters.

Afterpay Security

Afterpay has built up a strong reputation for security. The brand promises customers a $0 fraud liability. In other words, if someone tries to use your account without your permission, you are not liable for any fees. Afterpay also ensures that your financial information remains private and secure. Afterpay does not use your credit information to determine your eligibility. Instead, the company analyzes your income, bills, and spending patterns to determine your eligibility based on what you can afford.

Payment Options on Amazon

Afterpay is not a payment method but a specific type of payment plan. Afterpay partners with Amazon to offer its customers several payment options.

When shoppers sign up for Afterpay, they are prompted to select the payment plan that works best for them, including paying off their purchase in two, three, or four installments. Afterpay also allows customers to pay in one installment. If you want to make a one-time payment, you can select a payment plan of $150 per month. Afterpay allows you to go with the payment option that works best for your budget.


There are many reasons to shop on Amazon with Afterpay. More and more customers prefer this option allowing them to split payment for their purchases into more affordable pieces. While there’s no direct integration between Amazon and Afterpay, there are still some ways customers can shop on Amazon with Afterpay. 

The flexibility Afterpay provides long won customers’ hearts. That’s why many retailers and big brands try to offer Afterpay as one of the payment methods they support.

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Anastasia Su

Anastasia Su

Anastasia is a FinTech writer with experience working as a freelance writer for small business owners. She has participated in numerous events dedicated to business management and marketing. Anastasia is inspired by the fact that each successful business is a result of proper structuring so she tries to analyze every step and wants to share her observations with others.

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