Your security is our priority.

Our product has been built with a range of security features and services to help keep your accounts secure. We protect our network of customers and merchants with a thorough screening process before they gain access to our services.

How we protect you.


Fraud protection

Afterpay undertakes identification validation on all customers and merchants. This helps ensure both sides of our network within a transaction remain safe. As a customer, you can feel reassured that the places you shop at, have been vetted by Afterpay.

Plus, we bear the risk so that the customer does not have to. If you suspect a fraudulent charge, we will cover refunds related to unauthorized charges and cover non-merchandise chargebacks related to lost / stolen cards.


Multi-factor authentication

Afterpay has a multi-factor authentication system in place to ensure your account is secure. This involves an SMS verification process when logging in and using the Afterpay product.

It is important to keep your contact details up to date for this reason. To update your details, please visit the account settings page under ‘My Afterpay’ tab in the Afterpay app.

Protecting your information

Protecting your information

Afterpay uses encryption to protect customer information. The internet browser padlock icon indicates when you are using Afterpay, all communications between your computer and phone and our services are secure.

We make use of in-transit and at-rest encryption for all our customer data in order to keep you safe.

Staying safe from scams and fraud.

Staying safe from scams and fraud.


To help safeguard your details, we’ve included some tips on how to protect yourself and what to do if you think you’ve been scammed.

Learn more

Submit a report

If you believe you have received a scam/or phishing email, you can submit a report.

Submit report