Cross Border Trade

Afterpay's Cross Border Trade

Access a world of opportunity

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Selling internationally just got easier

Afterpay's Cross Border Trade opens the doors of your business to up to 25M+ global Afterpay customers who can shop from you, then checkout in their local currency.¹

Tap into new markets

Increase business growth potential by tapping into new markets and Gen Z and Millennial customers.

Eliminate business set up

Transact with international customers without having to set up your business or operations abroad.

Fast activation, minimal effort

Set up will be quick and simple for existing Afterpay merchants who are eligible.

Scale trade the easy way

"We use Afterpay's Cross Border Trade Program to reach new customers in new markets that want to be shopping in their own currency and don't want to feel they are purchasing from an overseas store."

Matthew Skerritt, EveryHuman

How it works

An Afterpay customer shops your product online.

They checkout with their Afterpay account and pay in their local currency.

They see a clear breakdown of the payment plan in their local currency.

We pay your business the full purchase amount in your local currency, minus the merchant fees.

Access Cross Border Trade now

Choose an international shipping partner

A reliable international shipping partner, like Sendle or Shippit, can help deliver your parcels door-to-door around the world.

Add overseas delivery addresses

Make sure you remove the US, Canada and the UK from your ‘shipping region restrictions’ list so you can ship to these countries.

Update your website

Add the Afterpay Cross Border Trade banner to your website so international customers know they can shop with you.

Get featured on Afterpay’s Shop Directory

A powerful way for international customers to discover your business is to list on our directory.

“Afterpay’s Cross Border Trade has helped us expand rapidly into the US market over the past few months - increasing our total addressable market 15x!”

Justin Truong

Pushas

“Having access to Afterpay’s Cross Border Trade program has made things easy with growing our international sales, we have seen a doubling in our overseas sales just from having access to the program, we would recommend this program to everyone within the e-commerce space.”

Max Zarafa

THE VAULT

FAQs

How will customers know where to find my business?

1. There are two great ways to share your business with Afterpay, firstly we suggest updating your website with the Afterpay Cross Border Trade banner, to let international shoppers know that can shop with you.

2. Secondly, upload your images onto Afterpay’s Shop Directory here, this is the most powerful way for our millions of customers to find you in each region you ship to.

How do you determine what a customer pays?

The Foreign Exchange conversion happens on the customer side of the transaction in their local currency. The customer is provided with the breakdown of the payment plan into 4 instalments through their local Afterpay entity account. This is done transparently at the time of purchase (unlike debit and credit cards).

Are there additional site or integration requirements?

It’s not required for you to trade internationally with Afterpay. There is no integration or development work required for you to start cross border trade if you’re eligible. Simply have a shipping partner and update your overseas address restrictions on your website and you’re good to go. We will convert the currency on our side and present that to your customer so they have peace of mind when shopping.

What are the additional charges to me?

No set-up fees, transaction fees or foreign exchange commissions are applied to the exchange rate prior to performing the conversion. A small incremental cross border transaction fee will apply as set out in our agreement with you.

When does my business get paid?

Afterpay Australia pays you the full amount of the product in your local currency in line with your existing agreement. You will be able to see which transactions were settled each day (if any) by checking within your settlement report on the Afterpay Business Hub.

How is the exchange rate determined?

The exchange rate will change regularly to reflect the currency fluctuations in the foreign exchange market. Our local Afterpay entity uses a retail exchange rate for converting what the retailer charges for the goods into what the customer would pay in their local currency.

How do returns work?

The same way they do for a domestic transaction. The Foreign Exchange and customer repayment risk is managed on the customer side through our local Afterpay entity. You refund the consumer in your local currency and the local Afterpay entity returns funds to the consumer in their local currency at the rate set during the transaction.

What is Afterpay’s relationship to Clearpay?

Clearpay is part of the Afterpay global family and provides buy now, pay later services in the United Kingdom. Customers will see a reference to Clearpay when checking out in the UK as part of the purchase flow. You, as the merchant, continue to only have a relationship with Afterpay Australia.

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¹Internal Afterpay Data, Jan 2025

Australia

Late fees, eligibility criteria and T&Cs apply. See afterpay.com for terms. Credit checks apply.

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