How Afterpay works for in-person payments
It’s simple to accept in-person payments using Afterpay
It’s simple to accept in-person payments using Afterpay.
ready to accept afterpay payments
in person for your business?
ready to accept afterpay payments in person for your business?
It's easy for customers to pay with Afterpay, and it's just as simple for you to process Afterpay transactions.
On this page you’ll find everything you need to know about accepting Afterpay payments in person – bringing you one step closer to reaching more customers and driving more sales.
How to accept
in-person Afterpay payments
To pay with Afterpay in person, customers need the Afterpay Card. This is a contactless digital card stored in the digital wallet of the customer’s phone. The customer adds their Afterpay Card to their digital wallet via a one-time setup process in their Afterpay app.
Discover how in-store
payments work
Discover how
in-store payments
work
Watch this video to learn more about processing payments in person with Afterpay.
How to process a payment with Afterpay Card
how afterpay works for customers
It's simple. The Afterpay Card is powered by Mastercard in Australia and by Visa in New Zealand.
You process the transaction like you normally would, and your customer taps their Afterpay Card to pay.
It's simple. The Afterpay Card is powered by Mastercard in Australia and by Visa in New Zealand. You process the transaction like you normally would, and your customer taps their Afterpay Card to pay.
STEP 1
You process the transaction like any other card payment on your point-of-sale (POS).
STEP 2
Your customer taps their Afterpay Card (from their phone) on your payment terminal to pay.
STEP 3
That’s it. You’re paid upfront by Afterpay, while your customer pays it in 4 interest-free instalments.
TIP
Because you receive the full sale amount upfront (even if your customers pay in instalments), it’s important that you process the full sale amount through your POS system.
STEP 4
Afterpay will direct debit your business the Afterpay fee owned for the transaction within 3 business days.
TIP
You can log in to the Afterpay Business Hub to keep track of Afterpay orders and payments at any time.
When will I receive funds?
You receive the funds at the time of purchase via your service provider, less any processing fees. Afterpay then takes a percentage of the sale as a fee which will be direct debited from your nominated bank account.
How do I process an
in-person refund?
You process Afterpay refunds the same way as you’d normally process a card refund.
Step 1
Confirm that the original purchase was made with Afterpay.
Step 2
Process the return as you normally would through your POS, following your business’ returns policy. Ensure you refund the full amount (regardless of how many payments the customer has made to Afterpay).
Step 3
Once this prompts your payment terminal, the customer taps their Afterpay Card to complete the refund.
Step 4
The refund is complete. The customer will receive the refund within a few business days and any remaining payments will be cancelled. For you, the refund will be accounted for in your next settlement.
processing refunds
Watch this video to learn more about processing Aferpay refunds in person.
Working in a customer-facing role and looking for more info and FAQs on the Afterpay Card?
Read our easy-to-use Afterpay Guide.
