Amazon Afterpay Combination: Can You Use Afterpay on Amazon?

Can You Use Afterpay on Amazon? Benefits of Amazon Afterpay Combination
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Welcome to the world of Amazon Afterpay, where shopping meets convenience like never before. Have you ever spotted something great on Amazon but wished you could spread the cost over time? That’s where Buy Now, Pay Later services like Afterpay come in, changing the way we think about shopping.

The growing popularity of Afterpay has many people asking questions like Does Amazon accept Afterpay?, or if you are a merchant: How to track Amazon and Afterpay cash flow together?

In this comprehensive guide, we’ll delve into the available workarounds like single-use payment and gift card options. We’ll also look into the advantages of using Afterpay on Amazon, answer the above questions, and explore how Afterpay’s service integrates with stores like Amazon.


  • The Afterpay app allows customers to buy now and pay later in installments on Amazon, making purchases more manageable.
  • Customers can use Afterpay’s single-use payment option or buy Amazon gift cards with Afterpay, offering flexible ways to shop on Amazon without full payment upfront.
  • Synder software helps merchants easily manage and synchronize their Amazon and Afterpay financial data for better business operations.


1. What is Afterpay?

2. What are the benefits of Afterpay?

3. The importance of responsible spending

4. Merchants corner

5. What are the benefits of Afterpay for merchants?

6. Merchants software guide: How to integrate your Amazon and Afterpay data

7. Does Amazon accept Afterpay payments? Exploring workarounds

8. Using Afterpay single-use card beyond Amazon

9. Shopping on Amazon with Afterpay: Conclusion

What is Afterpay?

A game changer for online shopping stores, Afterpay is an innovative Buy Now, Pay Later service that partners with a wide range of retailers (including Amazon) to offer customers a payment plan without interest or additional fees. Originating in Australia, the service has gained significant traction in various markets globally due to its consumer-friendly payment model.

Afterpay is available in the United States, Canada, the United Kingdom, Australia, and New Zealand. It enables shoppers to pay for their purchases in four equal installments without the need to check their credit score. This way of paying is helpful for people who have a low credit score or no credit history. It also assists those who need a little extra help in spreading out the cost of their purchases.

What are the benefits of Afterpay?

Now that we took a quick glance at the Afterpay payments model, let’s delve deeper into its benefits and modus operandi.

Shopping & checkout

When you find something you want to buy at a store or online shop that works with Afterpay, you can choose Afterpay when you’re ready to pay. Instead of paying the whole amount at once, Afterpay lets you pay for your order in smaller parts over time. 

Instant approval process

Gone are the days of lengthy credit checks and cumbersome paperwork. With Afterpay, getting approved for a purchase is quick and hassle-free. When you choose Afterpay as your payment method, the system immediately checks if you can use the service. This check is fast and looks at several aspects. The two main things are how you’ve handled your payments with Afterpay in the past and how much you’re spending right now. 

Afterpay does this to make sure you can comfortably make your payments and to manage its own business risks. There’s no long waiting or complicated paperwork involved.

In other words, Afterpay doesn’t perform a traditional credit check but follows the practices of the top ecommerce shopping cart software that uses what’s called a soft credit check or soft inquiries, which won’t affect your credit score.

Payment splitting

Once you’ve made your order and your Afterpay payment is approved, your total purchase amount is split into 4 smaller payments instead of one large sum, with the first part paid right away when you make the purchase.

The next three payments are spread out over the next six weeks (i.e. you make a payment every two weeks). This way, you don’t have to pay for everything at once, making it easier to manage your budget and avoid spending too much at a time.

Automatic deductions

Afterpay makes paying easy. Once you’ve set up your payment plan, the payments will automatically come out of your bank account on the days they’re due. You don’t have to worry about remembering the dates or making manual payments each time. If, for some reason, a payment doesn’t go through, Afterpay won’t immediately charge you any extra fees. There’s a grace period provided, post which, if the payment is still not made, a late fee may be applied. This approach blends convenience with responsible spending.

Zero interest

One of the best things about Afterpay is that it doesn’t charge any interest. When you use Afterpay, you pay exactly what the product costs and nothing extra, as long as you follow the payment plan. This Afterpay’s feature helps people manage their spending better because they don’t have to worry about extra costs adding up over time, as long as they stick to their payment schedule.

can you use afterpay on amazon: Benefits of Afterpay

The importance of responsible spending

When shopping on Amazon with Afterpay, just like with any financial tool, the key is to use it wisely. Before you tap ‘Buy Now, Pay Later,’ ask yourself, Is this something I need or just want? and Can I comfortably make these payments?

By fitting your Amazon finds into your budget piecemeal, Afterpay helps you avoid the trap of overspending, but you need to be able to make the slip payments on schedule. It’s not about stretching your wallet thin; it’s about stretching your payments out in a way that keeps your finances healthy and happy.

Merchants corner

Afterpay is of interest not only to consumers but also to merchants who either offer it already or are thinking of including it as part of their payment options. So if you are a merchant interested in Afterpay, read on. For all other readers interested in Afterpay and Amazon workarounds, head straight to that section.

What are the benefits of Afterpay for merchants?

Afterpay offers a range of benefits for merchants looking to boost their business. Adding this Buy Now, Pay Later option to your payment methods can enhance sales, attract new customers, and improve overall business performance. Let’s explore the key advantages of incorporating Afterpay in your store.

Boosting sales

When people know they can split their payment into smaller chunks, they’re more likely to go through with their purchase. This means more completed sales for your business.

Higher purchases

With Afterpay, customers don’t have to pay everything upfront. This comfort often encourages them to buy a little extra or choose higher-priced items. In business terms, your average order value (AOV) gets higher. And we all know that customer acquisition costs (CAC) are expensive so having your existing customers spend more on orders is a great growth strategy. 

Attracting younger shoppers

Afterpay is a hit among younger shoppers like millennials and Gen Z. These groups are always looking for smart and flexible ways to shop. By offering Afterpay, your business becomes more appealing to them, helping you build a customer base that could stay with you for years.

Reducing cart abandonment

Sometimes, customers change their minds at the last minute, especially if they see a large total cost. Afterpay eases this worry by breaking down the cost. Splitting the purchases into smaller parts makes it more manageable and less overwhelming for the customers.

Immediate payment for businesses

Even though your customers pay over time, Afterpay ensures your business gets the full payment right away. So since you get all the money upfront, your cash flow remains consistent helping you manage your business as usual. 

While there are many benefits, merchants should also be aware of the costs associated with integrating Afterpay, which usually involves a percentage fee on transactions. However, many businesses find that the advantages in terms of increased sales and customer engagement often outweigh these costs.

Merchants software guide: How to integrate your Amazon and Afterpay data 

If you sell on one or many marketplaces and want to give your customers wide payment options, bookkeeping such complex data can become an issue. Here’s where Synder, financial management software, shines. With this solution, syncing your Amazon sales and Afterpay transactions becomes straightforward, helping you manage your business finances with ease. 

Wondering how this integration can benefit your business? Here are some of the key advantages of using Synder for Amazon (and many other popular marketplaces like Shopify, eBay, Etsy, etc.) and Afterpay data:

  • Automated synchronization: Synder automates the process of importing transaction data from Amazon and Afterpay into your accounting software, saving time and reducing manual data entry errors. You can pick either per-transaction synchronization or daily summary.
  • Accurate financial records: By pulling transaction details directly from the source, Synder ensures that all financial records are accurate and consistent, leading to reliable financial reports.
  • Centralized management: Instead of logging into multiple platforms to extract financial data, Synder provides a centralized hub to manage and sync transactions from various payment platforms.
  • Detailed transaction breakdown: Synder breaks down transactions to show payment details like fees, taxes, and shipping, which can be invaluable for financial analysis and reporting.
  • Reconciliation made easy: With automated syncing, reconciliation becomes a straightforward task. You can easily match bank statements with synchronized transaction data to verify the accuracy of financial records.
  • Multi-currency support: For businesses that operate internationally, Synder can handle transactions in multiple currencies, converting them to your home currency based on the latest exchange rates.
  • Smart rules and customization: Synder allows users to set up Smart Rules for categorizing and mapping transactions, ensuring that data is always recorded in the correct accounts or categories.
  • Secure data handling: Reputable synchronization tools prioritize security, and Synder is no exception. It uses encryption and secure methods to ensure the safe transfer and storage of financial data: Synder is SOC 2 compliant.
  • Integrated workflow: Synder integrates seamlessly with popular accounting software like QuickBooks and Xero. This means you can enjoy a smooth workflow where transaction data flows directly into your accounting system without hitches.
  • Cost savings: By automating data synchronization and reducing manual data entry, businesses can save on labor costs and reduce the risk of costly financial errors. Only last year, Synder saved its customers 20,833 hours of work. If you wonder, that’s almost 11 years!

Key takeaways

Using Synder for Amazon and Afterpay data synchronization provides businesses with a streamlined, accurate, and efficient way to manage their financial data. The integration reduces manual intervention, minimizes errors, and ensures that businesses always have a clear and current view of their financial position.

To learn more about Synder, book a seat at our Weekly Public Demo designed especially for merchants or sign up for a free trial to explore its every function. 

Does Amazon accept Afterpay payments? Exploring workarounds

Technically, Amazon doesn’t accept Afterpay as a direct payment method, nor does it allow the use of Afterpay for purchases made on their website. However, Amazon integrates with the Afterpay app, which paves the way for several workarounds, making it possible to use Afterpay on Amazon. There are two main payment options to consider: a single-time use credit card and a gift card.

1. Single-use payment option: Using Afterpay card on Amazon

Afterpay offers a single-use payment credit card that can be utilized just like a regular debit or credit card to make your purchase on Amazon. The process is quite simple, and Amazon accepts this card without any issues. To use this option, follow these steps:

  • Open your Afterpay app and select Amazon in the ‘Shop’ tab.
  • Browse through the available products and add your chosen items to your cart.
  • Enter the required shipping and account details.
  • When you reach the payments page, tap on ‘Add a Payment Method’.
  • Choose ‘Add a Credit or Debit Card’.
  • At the bottom of the app screen, you’ll see the button labeled ‘Buy now. Pay later.’ Tap this button.
  • Make sure to untick the ‘Set as default payment method’ option and tap the ‘Buy Now’ button.
  • Afterpay will automatically fill out the credit card fields, allowing you to place your order.

It’s crucial to remember not to set your single-use Afterpay card as your default payment method. If you do so, Amazon will attempt to charge future orders to the same card, which will be declined since it’s a single-use card.

This method only works if you access your Afterpay app first and from there, you proceed to Amazon (via the Shop tab). 

Note: If you go directly into Amazon, you won’t be able to avail of this Buy Now, Pay Later option with Afterpay. 

2. Gift card option: A flexible Afterpay payment method on Amazon

Amazon allows customers to pay with gift cards, which can be purchased using Afterpay. This method is another excellent payment option and a workaround for using Afterpay on Amazon. To use the gift card option, follow these steps:

  • Visit the Afterpay website and navigate to the dedicated Amazon page, where you can select an Amazon gift card worth between $5 and $500. You can also purchase multiple cards.
  • Head to Amazon and add the item you want to purchase to your 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 isn’t offered on the Amazon website or at the checkout, these clever workarounds still allow you to use the Afterpay service and get the products you need without paying a substantial sum upfront.

Using Afterpay single-use card beyond Amazon

If you like the idea of Afterpay single-use payment and would like to see how to shop with other merchants using this method, read on. We’ll show you how to use this payment option with Afterpay and clear up some issues that you might have.

Download and open the Afterpay app

First things first, if you don’t already have the Afterpay app, download it from your app store (it’s available for both iOS and Android). If you already have the app, just open it up. That also means that the single-use payment method isn’t available on

Explore the ‘In-App Only’ section

Once you’re in the app, navigate to the ‘Shop‘ page. Here, you’ll find a special section titled ‘In-App Only‘. This is where all the magic happens for single-use payments. The stores you see here are specially tailored for you based on your shopping habits and preferences.

Browse and shop

Take your time to browse through the available merchants in the ‘In-App Only’ section. Remember, the selection you see is personalized to your shopping behavior, so it might be different from what others see. Once you find something you like, add it to your cart as you normally would.

Proceed to checkout

Ready to buy? Head over to the checkout. This is where the single-use payment feature comes into play. Look for the green ‘Buy Now. Pay Later’ button at the bottom of the screen. Tap on it and follow the on-screen instructions. Afterpay will generate a single-use payment card for this particular transaction.

Complete your purchase

Use the details of the single-use payment card to complete your purchase. This card is valid for this transaction only, so you won’t be able to use it for future purchases.

So there you have it – shopping with Afterpay’s single-use payment is as simple as browsing, selecting, and checking out with a special payment option in the app. It’s all about making your shopping experience more tailored and manageable.

Shopping on Amazon with Afterpay: Conclusion

While Amazon doesn’t directly accept Afterpay as a payment method, the workarounds discussed in this guide make it possible for customers to enjoy the flexibility and convenience that Afterpay provides. By utilizing the Afterpay single-use payment or gift card options, shoppers can benefit from Afterpay’s installment plans while purchasing items on Amazon.

More and more people prefer this payment option, which allows them to split their payments into more manageable pieces. As a result, numerous retailers and big brands are striving to offer Afterpay as one of the supported payment methods for their customers. So, next time you shop on Amazon, remember these handy tips and make the most of your Afterpay experience.

Comments 14
    1. Hi Ellen, Afterpay Single-Use Payment allows you to shop at specific online stores via the Afterpay app, so once you have your app open, you can shop from there and pay with this method at the checkout. The app will automatically fill in the payment details. After confirming, the down payment will be issued, and the rest will be split into payments over 6 weeks which you can manage directly in your Afterpay account. If you would like to learn more about the eligibility or other aspects related to this payment method, it’s best to contact the Afterpay support team.

  1. Afterpay took the first initial payment but Amazon is showing revision needed . When I call amazon they say they haven’t been able to get they payment they ran the one time card 7 times declined every time. After pay had no problem taking the money and setting up payment dates but has not paid Amazon. I have no products I ordered yet after pay has my money .

    1. We’re saddened to hear about your experience, we hope that both Amazon and Afterpay support teams will be able to resolve the matter quickly. Thank you so much for sharing.

  2. This is a cool workaround if you could actually get to Amazon through the afterpay app but you can’t as far as I can find. Do you have links to the Amazon store through the afterpay app?

    1. Hi Clarissa! When you open your Afterpay app, go straight to the Shop tab, and from there, select Amazon. Best of luck!

  3. I made a purchase on amazon using the single pay card on afterpay and it shows when my order will get delivered but I’ve gotten no first payment taken out, so I’m a little confused.. will the first payment come out once the itmes have shipped?

    1. Hi Deziree, typically, with Afterpay, the first payment is often due at the time of purchase or shortly thereafter. To get the most accurate information, I recommend checking your Afterpay account for payment details and schedules. It should give you a clear picture of when your payments are due. If there’s still confusion or if the payment details aren’t clear, reaching out to Afterpay’s customer service would be the best course of action. They can provide specific details about your transaction and clarify when your first payment will be deducted.

  4. I have made a purchase with Afterpay on Amazon and purchased multiple items it ended up being 4 different orders and 2 of the orders didn’t process but Afterpay charged me the full amount for everything in my cart who do I get to fix this Afterpay or Amazon since it was a one time use card from Afterpay

    1. Hi Kevin, as Synder, we’re unable to directly assist with transaction-specific issues between Afterpay and Amazon. However, in your situation, where you’ve been charged for items that weren’t processed in your order, the best course of action is to first contact Afterpay. Since the charge was made through an Afterpay one-time use card, they should be able to review the transaction details and clarify the charges. Best of luck!

  5. All this on here works however, I see that the product I’m ordering from Amazon does not charge you shipping yet. Afterpay is charge me shipping. Why is that?

    1. Afterpay may sometimes include an additional amount as a buffer to cover any potential tax or shipping costs that may not have been factored in at the time of checkout. Once your order is confirmed and the actual cost is determined, Afterpay will adjust the amount you’re charged, ensuring you only pay for the actual cost of your order. If you notice a discrepancy, it’s worth waiting up to 24 hours for the merchant to make any adjustments. If the issue isn’t resolved, or if you’re still being charged for shipping when you shouldn’t be, contacting Afterpay’s customer service should help clear up any confusion.

  6. Why when checking out the Amazon total and the after pay payment total were totally different. The products purchased were on sale on Amazon but after pay made me pay full price. A difference of $60. Then they split that full price into four payments and automatically deducted the first payment out of my checking account. Once after pay paid the full amount they said that the difference of the sale price would be applied after…I don’t get how that works ? Do I have to pay all of the 4 payments then get credited the difference? Will my payment amount change? Do they keep the first payment and then apply the deduction ? IDK?? Can you answer those questions.?

    1. Hi Michael, it seems there was a discrepancy between the sale price on Amazon and the amount Afterpay charged. Typically, Afterpay adjusts future payments if there’s a price difference after the transaction. You might not need to pay the full amount before seeing a credit; adjustments could lower your remaining payments. For the most accurate resolution, it’s best to directly contact Afterpay’s customer service. They can explain how the adjustment will be applied, whether it affects future payments or results in a refund for overpayments. Keep an eye on your account for any changes to your payment schedule.

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