So, let’s look at how Afterpay functions and learn some tips on successfully using it for Amazon purchases. We’ll also review alternative ‘buy now, pay later’ payment options accepted on Amazon as a bonus (because, why not?).<\/p>\n\n\n\n
There’s also a bonus for sellers, as you can learn how to integrate both Amazon<\/a> and Afterpay into your QuickBooks Online<\/a>. So, hop on reading.<\/p>\n\n\n\n Make the most of Afterpay Amazon integration \u2013 book a seat at Synder\u2019s Weekly Public Demo to learn more<\/a>.<\/p>\n\n\n\n <\/p>\n\n\n\n <\/p>\n\n\n\n Key Takeaways<\/p>\n\n\n\n Afterpay is a payment gateway based on a buy now, pay later<\/em> financing model. In other words, with this option, you can instantly purchase a product or service and make repayments at a later date.<\/p>\n\n\n\n Afterpay lets you avail of its services when you shop online and in-store. For online purchases, you need to create an Afterpay account. For brick-and-mortar stores, you need to additionally install the Afterpay app on your mobile phone, where you set up an Afterpay card to use either with Apple Pay or Google Pay at the checkout.<\/p>\n\n\n\n While Afterpay doesn\u2019t perform a typical credit check when you first sign up, it conducts a soft credit check. It helps them understand your financial situation before approving a new application. The soft credit check doesn’t affect your credit score. Once approved, using the Afterpay buy now, pay later payment option won\u2019t affect your credit score either.<\/p>\n\n\n\n Afterpay provides two services, Afterpay Pay-in-4<\/em> and Afterpay Pay Monthly<\/em>. <\/p>\n\n\n\n The Pay Monthly model applies to orders valued over $400 with payments spread<\/a> over 6 or 12 months. However, this offer includes the annual percentage rate. It\u2019s a peculiar offering different from the standard Afterpay payments of Pay-in-4. It\u2019s worth noting that, in this article, we\u2019ll concentrate on the Pay-in-4 option only.<\/p>\n\n\n\n Afterpay lets you split payment totals into smaller, more manageable installments and pay them back over time according to the agreed payment schedule.<\/p>\n\n\n\n At the point of purchase, your order gets an instant approval decision. It\u2019s important to note that not all orders are approved. It depends on several factors, some of them being:<\/p>\n\n\n\n Afterpay Pay-in-4 payments, as the name suggests, are split into four installments. <\/p>\n\n\n\n Usually, you pay the first installment at the time of purchase. If you’re placing an order that exceeds the Afterpay\u2019s allowance, you might have to pay a larger amount when you order. In other words, your first installment charged to your card or bank account will be bigger than the remaining ones.<\/p>\n\n\n\n The usual payment schedule offers installments every two weeks, which closes the entire repayment in six weeks. You can always choose to repay earlier than the scheduled due date. Otherwise, Afterpay automatically debits the money from your bank account, credit card, or debit card on the due dates.<\/p>\n\n\n\n You don\u2019t pay any interest on the Afterpay Pay-in-4 financing service. It means you can keep using the Afterpay payment method and pay 0% additional interest and fees until you make payments on time. <\/p>\n\n\n\n Otherwise \u2013 when you\u2019re late to repay \u2013 you\u2019ll have to pay a late fee. Usually, it’s one late fee per installment, and the total late fees per order won\u2019t exceed 25% of the initial order amount (this capping applies to the US).<\/p>\n\n\n\n Learn what are<\/em> the benefits of Amazon Afterpay combination<\/em><\/a>.<\/em><\/p>\n\n\n\n <\/p>\n\n\n <\/p>\n\n\n\n Amazon is the largest global online marketplace, so it’s reasonable for consumers to expect Afterpay-supported payments on Amazon. So, does Amazon accept Afterpay?<\/p>\n\n\n\n As mentioned at the beginning, there isn\u2019t an option to pay directly with Afterpay at the Amazon checkout.<\/em> Still, you can go with a couple of clever workarounds to use your Afterpay Pay-in-4 orders on Amazon.<\/p>\n\n\n\n Want to know the trick?<\/p>\n\n\n\n Users can open a one-time credit card with Afterpay, which works like any other card when shopping online. So you check out like you usually do with a card, and the purchase goes to your Afterpay account. Nice and elegant. Others (yes, there\u2019s more) include using Amazon from the Afterpay mobile app or buying Amazon gift e-card with Afterpay.<\/p>\n\n\n\n Find out <\/em>if you can buy groceries with Afterpay<\/em><\/a>.<\/em><\/p>\n\n\n\n <\/p>\n\n\n <\/p>\n\n\n\n Now let\u2019s look at how Afterpay single-use payments work in detail and see what steps you need to make to purchase products on Amazon with Afterpay: Because it\u2019s a single-use payment, you need to be careful not to set your Afterpay credit card as a default. Otherwise, Amazon will attempt to charge future orders to the same card, which will be declined.<\/p>\n\n\n\n It\u2019s a neat workaround and means that while Amazon doesn\u2019t officially offer Afterpay, you can safely use your Afterpay account for Amazon purchases.<\/p>\n\n\n\n The above method<\/a> is what Afterpay itself provides. So, you can be confident that your Amazon payments with Afterpay will pass safely and securely according to Afterpay\u2019s policies.<\/p>\n\n\n\n Another option you can use to purchase on Amazon with Afterpay is buying an Amazon\u2019s gift e-card (you can buy it for yourself, because, frankly, who’s our most loved one if it\u2019s not us?). Let\u2019s look at how it works. The process is pretty straightforward, but there are a couple of nuances you might want to know about.<\/p>\n\n\n\n First, gift cards are available to purchase in the Afterpay app, so before you can use this method, you might want to install and sign up with the app (see below).<\/p>\n\n\n\n Another little trick is that you\u2019re not 100% guaranteed that your gift card order will be approved. Though Afterpay offers an extensive choice of gift cards, access to them depends on several factors, namely the history of timely repayments and the period of you being an Afterpay user. You might have access to some cards and be not eligible for others, so you need to consider this little side-effect.<\/p>\n\n\n\n But if everything is bright and shining for you, you\u2019ll see the Amazon gift card in the Afterpay app. From there, it takes you literally three steps to get the card.<\/p>\n\n\n\n Then, you can use the gift card to purchase on Amazon like you usually do.<\/p>\n\n\n\n That\u2019s probably the easiest way to buy on Amazon with Afterpay. <\/p>\n\n\n\n Afterpay offers a mobile app that makes your shopping experience even more convenient with plenty of stores and brands to purchase from, including Amazon. So, you can use this option to pay on Amazon with Afterpay. All you need to do is:<\/p>\n\n\n\n Now that we know how to pay on Amazon with Afterpay, does Amazon offer anything like installment payments or other buy now, pay later options? Let’s find out.<\/p>\n\n\n\n First, Amazon offers its native plan called Amazon Monthly Payments, which is available upon eligibility and only for selected items on Amazon. Amazon also supports some buy now, pay later options integrated at the checkout, like Affirm.<\/p>\n\n\n\n Besides, several payment processors that give you an option of a single-use credit card can work on Amazon, and they avail deferred payments such as Afterpay (the one we’re talking about) or Klarna.<\/p>\n\n\n\n <\/p>\n\n\n\n <\/p>\n\n\n\n So, as mentioned, Amazon offers its own Amazon Monthly Payments<\/a> system for selected products only. You can check which items qualify for this financing on the product detail page. You\u2019ll also be able to see it at the checkout.<\/p>\n\n\n\n The plan comprises four payments, with the initial down payment and the remaining three installments, over 90 days. There\u2019s no interest or any other financial charges for Amazon Monthly Payments.<\/p>\n\n\n\n This offer is available only for selected buyers at Amazon\u2019s discretion. While it considers your purchase history with Amazon and the item price, there\u2019s no guarantee on who will or won\u2019t be approved by Amazon for its Monthly Payments system for a specific order.<\/p>\n\n\n\n Amazon does offer the Affirm payment<\/a> option at the checkout, so there\u2019s no need to look for workarounds \u2013 you click Affirm when placing an order on Amazon.<\/p>\n\n\n\n Affirm gives you a flexible payment schedule with installments ranging from 3 to 48 months. You can pay in four installments and don\u2019t attract any fees with this financing plan.<\/p>\n\n\n\n If you prefer to go with monthly payments (other than four installments), a simple interest (up to 36%) applies. It means that at the checkout, you\u2019ll be able to see your order total with all the interest clearly stated upfront.<\/p>\n\n\n\n Making online payments with Klarna on Amazon<\/a> follows the same concept as using Afterpay on Amazon.<\/p>\n\n\n\n First, you need to log into your Klarna app, and from there, you choose Amazon as an online shopping option. Once you add your items to the cart, go to the Amazon checkout page and click Pay with K<\/em>. This will allow you to make purchases on Amazon using your Klarna account, splitting your payments into four installments.<\/p>\n\n\n\n As a retailer, you might want to handle as many sales channels and payment gateways<\/a> that make sense for your business and provide a flexible choice to your customers. That\u2019s why having Amazon and Afterpay as parts of your offering is quite logical, especially for ecommerce stores.<\/p>\n\n\n\n Integrating Amazon and Afterpay can be done by two separate software solutions. However, if you keep expanding the channels, the best strategy is to employ a single tool that acts as a bridge for all your platforms.<\/p>\n\n\n\n
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\n\n\n\nHow does Afterpay work?<\/span><\/h2>\n\n\n\n
So, what options does it offer?<\/span><\/h3>\n\n\n\n
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Mind late repayments fee<\/span><\/h3>\n\n\n\n
![\"\"](\"https:\/\/synder.com\/blog\/wp-content\/uploads\/sites\/5\/2023\/08\/afterpay-integration-banner-1024x256.png\")
<\/a><\/figure><\/div>\n\n\nUsing Afterpay on Amazon: Can I use Afterpay on Amazon?<\/span><\/h2>\n\n\n\n
![\"How](\"https:\/\/synder.com\/blog\/wp-content\/uploads\/sites\/5\/2024\/03\/afterpay-on-amazon-1024x576.png\")
<\/figure><\/div>\n\n\nHow does the Afterpay’s single-use payment work?<\/span><\/h3>\n\n\n\n
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How to buy an Amazon\u2019s gift card with Afterpay?<\/span><\/h3>\n\n\n\n
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Afterpay app: How to use Afterpay mobile app to purchase from Amazon?<\/span><\/h3>\n\n\n\n
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Does Amazon offer other buy now, pay later payment methods?<\/span><\/h2>\n\n\n\n
![\"How](\"https:\/\/synder.com\/blog\/wp-content\/uploads\/sites\/5\/2024\/03\/amazon-bnpl-options-1024x576.png\")
<\/figure>\n\n\n\nAmazon Monthly Payments<\/span><\/h3>\n\n\n\n
Paying with Affirm on Amazon<\/span><\/h3>\n\n\n\n
Paying with Klarna on Amazon<\/span><\/h3>\n\n\n\n
Amazon and Afterpay in QuickBooks Online<\/span><\/h2>\n\n\n\n