If you miss a Pay Monthly payment, late fees may apply. Here’s what happens and what you can do.
Late fees
$17 the day after your payment is due
$12 more if the same payment is still unpaid seven days later
Capped at the lower of 15% of the order value or $250 per order
Late fees do not accrue interest.
If you’ve already reached the late fee cap on an order, no additional late fees will be charged on that order.
What happens if you miss a payment
If your scheduled payment doesn’t go through (for example, due to insufficient funds, an expired card, or a declined transaction), we may retry the payment. You’ll receive a reminder to update your payment method or make a manual payment.
What you can do
1. Check your linked debit card
Open the Afterpay app or web portal, go to My Afterpay, and check the card linked to your Pay Monthly order:
Are there sufficient funds?
Is the card still active (not expired or cancelled)?
Are the card details correct?
If your card has expired or been cancelled, add a new Australian-issued debit card. Pay Monthly payments must be made using a valid debit card — credit cards are not accepted, including those stored in Apple Pay, Google Pay, or Samsung Pay.
2. Make a manual payment
You don’t need to wait for the next scheduled date. You can pay at any time:
Open your Pay Monthly order in My Afterpay (in the app or web portal)
Tap or select Make a payment
Select the amount you’d like to pay
Confirm. The payment is debited from your linked debit card.
3. Reach out if you can’t pay
If you’re worried you can’t make a payment for any reason, contact us as soon as possible in the app or at help.afterpay.com. We will work with you to provide support that works best for you.
What happens to your account
You will not be able to use Afterpay Pay in 4 or Pay Monthly to make new purchases until you pay all overdue amounts in full. If a payment remains overdue for more than 7 days, existing pending orders may be cancelled.
Afterpay Australia Pty Ltd ABN 15 169 342 947, Australian Credit Licence 527911