How do I set up AfterPay installment payments in my online store?

How do I set up AfterPay installment payments in my online store?

You can allow your customers to pay for their purchases over time by using Afterpay post-payment service in your store. Afterpay splits the cost of an order into four equal parts so that the buyer can pay off the order over four interest-free payments that are due every two weeks. While customers pay off in installments, you as a merchant are paid by Afterpay upfront and in full.

Giving customers an alternative way of payment translates to bigger carts and higher conversions, and is especially useful if you sell larger price items (up to $1,000.)

Setting up Afterpay 

Afterpay is available in Australia, New Zealand, and the United States. It supports AUD, NZD, and USD currencies.

To enable the Afterpay payment method in your store, register an Afterpay retailer account and wait for it to be verified.

Select the E-Commerce tile, and go to Settings > Payment. Select “Connect Afterpay” or scroll down and choose Afterpay from the “Other ways to get paid” dropdown.

Enter your Afterpay credentials: Merchant ID and Secret Key. You can obtain your Afterpay credentials in the Settings > Integrations section of your Afterpay account. If you do not see your merchant account credentials there, contact your Afterpay account manager or the Afterpay support team for assistance.

Enter the display name for this payment method at checkout (this name will also appear in order details) or keep the suggested name. Keep the “Show at checkout” toggle enabled to offer this payment method to your customers at checkout.

Edit or use the suggested instructions on how to pay via this payment method in your store. Customers will see it at checkout after choosing this payment method for their order.

Save your changes. Customers can now pay in installments for orders $30–$1,000. Since not every order will qualify for Afterpay financing and some orders may exceed $1,000, we recommend adding different online payment methods.

Customer Experience

Paying in installments is available for orders $30–$1,000. Afterpay splits the order total (the sum of the product price, shipping cost, taxes, etc.) into four equal parts that can be paid off by buyers over time, interest free.

If a product is between $30–$1,000, customers will see in that product’s page that they can pay for this purchase in installments.

When the buyer proceeds to checkout, the installments are recalculated to factor in the updated order cost if it has changed due to shipping costs, applied discounts, taxes, etc.

If a product is less than $30 but the order total is higher (due to shipping cost, for example), the Afterpay post-payment offer will not be displayed on the product page, but Afterpay will still be offered as a payment method at checkout.

To pay for their order in installments, first-time buyers will be directed to the Afterpay website to register and provide credit card details. If they’ve used Afterpay before, they must simply log in to Afterpay and complete their purchase.

Buyers will pay the first part right at checkout and will need to pay the other three parts every 2 weeks. At any time, buyers can check their payment schedule in their Afterpay account.

While customers pay for their orders to Afterpay in installments, you as a merchant receive the full amount from Afterpay the day after the order is placed.


Why can’t I enable Afterpay in my store?
If you can't enable Afterpay, most likely you are using an old version of our storefront. Afterpay can work only with the new storefront. Enable the new storefront by submitting a request to our team.

How are Afterpay installments calculated?
Afterpay checks if the order is $30–$1,000, then it breaks the order cost into four equal parts. The order cost is the total sum of the product price, shipping costs, and tax rates. If the order total changes during the shopping process, the installment payments are recalculated by Afterpay at checkout.

What orders qualify for Afterpay financing?
The cart value must be between $30–$1,000 to qualify for installments by Afterpay. Before giving an instant approve to a buyer, Afterpay considers various factors, e.g. if it is a new or repeat user of Afterpay service, whether there are sufficient funds for the first installment amount on their credit card, how many “open” orders they have with Afterpay, etc.

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