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Can You Use Afterpay on Amazon?

Can You Use Afterpay on Amazon?

Amazon is the largest global online marketplace, with over 300 million US customers – but it doesn’t offer Afterpay (at least, not in the normal way). 

Why? Because essentially, the service doesn’t make Amazon a profit, and it’s a big company that doesn’t need to worry about market share or losing customers. There’s one more possible reason – Amazon has its own credit card service and a limited ‘buy now, pay later’ option – with the caveat that this only applies to specific products supplied directly by Amazon rather than a third-party vendor.

However, there are a few other options to split payments, and you can set up Afterpay as a one-time payment option as a kind of a loophole. Online vendors can also set up  Afterpay Xero integration and offer a ‘buy now, pay later’ option on other storefronts or their own websites to provide maximum customer choice.

How Does Afterpay Work?

Stores that accept Afterpay, such as Target, Nordstrom, and Home Depot, offer customers the option to split bigger spending into manageable repayments, which is particularly useful when living costs are rising, and customers prioritize flexibility. ‘Buy now, pay later’ means you either have longer to pay for your purchase – say thirty days – or can repay the balance in installments.

Afterpay customers set up their credit or debit card in their account to make automatic payments and don’t pay any annual interest charge (unless they’re late with a remittance). The first payment is 25% of the value, including shipping and taxes, and you normally need to pay back the purchase every two weeks.

There are several competing ‘buy now, pay later’ providers, but Afterpay is often preferable since it’s a well-known and reputable company. The bonus for customers is that they can buy what they need now and pay for it later (or gradually), with a higher borrowing facility as they build up a history of on-time repayments.

How Can I Pay With Afterpay on Amazon?

We mentioned a loophole, and it’s there because Afterpay users can open a one-time credit card, and it works like any other card when you’re checking out online. Amazon can’t differentiate between this credit card and another provider, so you checkout normally, and the purchase goes to your Afterpay account. 

Here’s how to use Afterpay on Amazon:

  • 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, select ‘Add a Payment Method’.
  • Choose to ‘Add a Credit or Debit Card’.
  • The button at the bottom of the app screen labeled ‘Buy now. Pay later’ will activate.
  • Untick ‘Set as default payment method’ and click the ‘Buy Now’ button.
  • Afterpay will fill the credit card fields, and you can place your order.

Because it’s a single-use payment, you need to be careful not to set your Afterpay card as a default, as it’ll mean that Amazon attempts to charge future orders to the same card, which will be declined. It’s a neat workaround and means that while Amazon doesn’t officially accept Afterpay, it has an integration with the Afterpay app. This way, you can still use your account for Amazon purchases.

Does Amazon Offer ‘Buy Now, Pay Later’?

Amazon accepts the vast majority of payment methods, including its own Amazon Monthly Payments system for Amazon-branded electronics such as Kindles and Echo smart home decides. The exact plans available depend on the gadget and cost, but you usually pay an upfront amount (a deposit) before your product is dispatched.

Most plans split the remaining balance into four equal installments, collected once a month from your selected credit or debit card. The downside is that only select products are eligible for the repayment service, and only items worth $50 or above qualify.

You might also find that you aren’t offered Amazon Monthly Payments if you don’t have an extensive purchase history or if there are other mitigating factors on your Amazon account. When you apply for Monthly Payments, you can be rejected (although this doesn’t include a credit check), and Amazon doesn’t have to tell you why. In that case, you might be better off using Afterpay as a single payment solution if you prefer to spread the cost of your purchase. 

Volha Belakurskaja

Volha Belakurskaja

Volha is an experienced copywriter with 10+ years experience writing for the information technology and services industry and a 5+ years sole proprietorship background. Passionate about all things tech, she is especially interested in topics lying at the confluence of business and technology.

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