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Accept Afterpay payments with Square

Who is this article for?
  • Sellers with the account and settings permission to configure checkout settings can enable Afterpay.
  • Sellers with the checkout permission to take payments can charge a payment with Afterpay. Set permissions in Square Dashboard.

About accepting Afterpay

Buy now, pay later — or BNPL — is a payment option where a customer pays off a purchase over time while sellers get paid the full amount immediately. With Afterpay, customers pay in four interest-free installments over six weeks.

Before you begin

  • When customers pay with Afterpay, you will receive the full payment upfront and at no risk to your business. 

    • Afterpay in 4 can be used for in-person purchases up to $2,000. 

    • Accept Afterpay with Square Invoices can be used by qualified customers to pay for invoices between $400 to $4,000 in monthly installments over 6 or 12 months.

  • Afterpay makes an instant approval decision at the time of purchase based on the specific consumer and the order, which may result in a customer’s order being declined at the time of transaction. This will be communicated to customers within their Afterpay app.

  • To process Afterpay in-person transactions, customers must tap their Afterpay Card via their digital wallets such as Apple Pay, Google Pay, or Samsung Pay.

Your business must be in an approved merchant category to enable Afterpay. To see if you’re eligible for Afterpay and to enable it for your business, log in to Square Dashboard and review your Payment Methods. For more information, review our Afterpay Merchant Terms.

Enable Afterpay payments

From Square Dashboard

  1. Sign in to your Square Dashboard and go to Settings > Account & Settings.
  2. Click Business information > Payment methods.
  3. Next to Afterpay, click (•••) > Edit.
  4. Toggle on In Person.
  5. Click Save.

From Square Point of Sale app

  1. Sign in to your Square app and tap ≡ More > Settings > Checkout > Payment types.
  2. Tap Configure Afterpay to be directed to Square Dashboard via a web browser.
  3. Toggle on In Person.
  4. Tap Save.

Accept Afterpay payments in-person

Once you've enabled Afterpay, you can accept payments as you normally would with any other payment option. To start: 

  1. Add items to the cart or enter a custom amount. The total transaction must be between $1.00 and $2,000.

  2. Tap Review sale > Charge.

  3. The customer can open their digital Afterpay Card and tap their mobile device to Square hardware or compatible device, if using Tap to Pay.

  4. Send a digital receipt via text or email, or print the receipt as proof of purchase.

The customer will see the transaction via their Afterpay app starting with SQ*. If your customer requires assistance with their Afterpay account, refer them to the Afterpay Help Center. They can also message the Afterpay Support Team via their app.

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