How to use afterpay card in store

Buy now pay later giant Afterpay has released its own Afterpay Card. The contactless Mastercard will be stored in customers’ digital wallets, meaning Aussies can now tap and pay when shopping with Afterpay in-store.

The card is designed to replace Afterpay’s current barcode system, which will be phased out by July 2021.

It comes hot on the heels of CommBank announcing plans to release its own rival buy now pay later (BNPL) service from mid-2021. Like the Afterpay Card, CommBank’s BNPL offering will also include a Mastercard that will be stored in customers’ digital wallets, allowing customers to tap and pay in-store.

Here’s some more detailed information about the new Afterpay Card.

How does the Afterpay Card work?

The Afterpay Card allows customers to shop in-store with Afterpay using their digital wallet.

You can set up the Afterpay Card through the Afterpay app. As part of this, you’ll need to add your Afterpay Card to your Apple Wallet or Google Pay.

When you’re ready to make an in-store purchase with Afterpay, you’ll need to go via the Afterpay app to open up the card. You can then tap and pay at participating stores where you see a contactless symbol.

Afterpay says the payment structure for customers using the Afterpay Card will be unchanged – purchases will still be made up of four equal, fortnightly instalments starting at the time of purchase, with late fees charged for customers who miss a payment.

Where can I use the Afterpay Card?

The Afterpay Card can only be used at stores that offer Afterpay. Afterpay currently has close to 75,000 retail partners in Australia, and you can find a list of participating stores in the Afterpay app or on its website.

This is a different system to some of Afterpay’s competitors, such as Zip and now CommBank. Zip has a partnership with Visa whereby customers can use Zip Pay wherever there is a contactless symbol, rather than just at affiliated retailers. Likewise, CommBank has said customers can use its BNPL card wherever Mastercard is accepted.

Afterpay plans to expand into the banking sector mid-year, in partnership with major bank Westpac. The deal will allow Afterpay to offer Westpac savings and transaction accounts and other budgeting tools to its millions of Australian customers.

While the Afterpay Card may make it more convenient for some people to use the service, there may be more to consider for people who are already struggling to get their BNPL spending in check.

Is Afterpay the right payment option for me?

If you already use Afterpay or another BNPL service, or you are thinking about using one, you might want to compare your options. Before committing to a particular service, it could be wise to consider any fees and charges involved, as well as whether using a BNPL service is the right option for you.

While BNPL services may be a useful budgeting tool for some people, it’s worth taking note of a November 2020 report by ASIC that revealed Australians almost doubled the amount of credit taken out via BNPL providers in the 12 months to June 2019. It found people struggled to scrape together the funds to pay back their debts on time, missing payments for household bills, credit cards and mortgages. Some even had to cut back on meals.

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Do you want to shop online using your Afterpay card? Luckily, there are hundreds of supported retailers you can buy from. You can easily search for supported stores using the Afterpay mobile app or using the Afterpay website on your Windows or Mac computer. After signing up for Afterpay, it'll only take a few steps during checkout to complete your purchase. This wikiHow will show you how to use your Afterpay card online using your iPhone, Android, or computer.

Things You Should Know

• You can only use Afterpay online with supported retailers.
• Searching for retailers through the app or website is the best way to find supported stores.
• If the store is supported, Afterpay will be listed under "Payment Methods" during checkout.

1. 

   1

   Open the Afterpay app on your Android, iPhone, or iPad. The icon will have two opposing arrows with a mint green background.

   • Afterpay is available in Apple's App Store and the Google Play Store.
   • If you're not already signed in, follow the on-screen instructions to log in or create an account now.

2. 

   2

   Tap Shop on the bottom left corner. You may already be on the Shop tab by default.

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3. 

   3

   Tap the search bar and input a search. You can search brands, products, stores, and more.

   • You'll be able to see trending searches once you tap the search bar.

4. 

   4

   Review your results. Your search results will be categorized by Stores and Products.

   • If you search a popular store that supports Afterpay, you will be taken directly to the store's online website.

5. 

   5

   Tap the result you want to purchase. You will be taken directly to the retailer's website.

   • Purchases are made through retailer websites.
   • The payment method will be Afterpay.

6. 

   6

   Complete your shopping. Add all items you want to purchase to your online cart.

   • When shopping for clothes online, be sure to know your proper measurements.

7. 

   7

   Check out your cart. Most retailers will have a cart icon or shopping bag icon to indicate your cart.

   • You'll need to fill in your Delivery information.

8. 

   8

   Select "Afterpay" as the Payment Method. In most cases, Afterpay will already be selected.

   • Afterpay payment is linked to your login account. You are not given a full card number.
   • If you do not see Afterpay, select Other Payment Methods.
   • You can add Afterpay to your Apple Wallet and Google Pay for quicker checkouts, but the retailer must support Afterpay to be used.

9. 

   9

   Login to your Afterpay account. This step may not be necessary. Depending on your device, you may still be logged in.

   • For account safety, you may be asked to verify your account with an SMS code sent to the number registered with your Afterpay account.

10. 

    10

    Check the box to agree to Afterpay's Terms. You must repay Afterpay on the due date or you will be charged with late fees.

11. 

    11

    Complete your check-out. Confirm the payment details and order before submitting.

    • You'll receive an order confirmation email from the retailer.
    • You can check your Afterpay balance in the My Afterpay tab, under Orders.[1]

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1. 

   1

   Login to the Afterpay website. You can log in to Afterpay to make purchases in any web browser, including Chrome, Safari, and Edge.[2]

   • If you don't have an account, you'll need to create one before you proceed.
   • To create a new account on desktop, input an email in the text field. If the email is not associated with an Afterpay account, you'll be able to continue with account creation.

2. 

   2

   Click Shop in the sidebar. This will be next to a shopping bag icon.

   • By default, you will be on the My Afterpay tab.
   • A new window will open.

3. 

   3

   Click the search bar and input a search. You can search brands, products, stores, and more.

4. 

   4

   Review your results. You can also sort by Offers, Relevance, Newest, and Most Popular.

   • If you search a store that supports Afterpay, you will be taken directly to the store's online website.

5. 

   5

   Tap the result you want to purchase. You will be taken directly to the retailer's website.

   • Purchases are made through retailer websites.
   • When you shop online, the payment method will be Afterpay.

6. 

   6

   Complete your shopping. Add all items you want to purchase to your online cart.

7. 

   7

   Check out your cart. Most retailers will have a cart icon or shopping bag icon to indicate your cart.

   • Fill in your Delivery information.

8. 

   8

   Select "Afterpay" as the Payment Method. In most cases, Afterpay will already be selected.

   • Afterpay payment is linked to your login account. You are not given a full card number.
   • If you do not see Afterpay, select Other Payment Methods.

9. 

   9

   Login to your Afterpay account. This step may not be necessary. Depending on your device, you may still be logged in.

   • For account safety, you may be asked to verify your account with an SMS code sent to the number registered with your Afterpay account.

10. 

    10

    Check the box to agree to Afterpay's Terms. You must repay Afterpay on the due date or you will be charged with late fees.

11. 

    11

    Complete your check-out. Confirm the payment details and order before submitting.

    • You'll receive an order confirmation email from the retailer once the order is complete.
    • You can check your Afterpay balance by returning to Afterpay and clicking Orders.
    • Be sure to check Orders often so you can manage your credit cards and purchases.

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