Afterpay is a great way to buy items online without having to worry about expensive interest rates. Amazon now accepts AfterPay as a form of payment, which means you can enjoy all the benefits of shopping on Amazon without any extra costs.

In this article, we’ll show you how to use AfterPay on Amazon and explain the different ways it can benefit you. Keep reading for more information!

How To Use Afterpay on Amazon: The Complete Guide

Amazon ships 1.6 million packages per day. A large multinational retailer like Amazon benefits so little from Afterpay.

How To Use Afterpay on Amazon: The Complete Guide

This is why Amazon does not allow the use of Afterpay. However, there are split methods rolled out by Amazon that you can use to pay for your orders.

What is Afterpay?

Afterpay is a service which allows you to buy your items and pay for them later or in instalments.

Many payment services offer similar payment options. However, Afterpay is known to be safe and easy to use.

What is Afterpay?

Afterpay is available as a payment option on many websites. It makes it easy to take an expensive order that may require a large dollar amount and break it up into smaller, more manageable payments.

Afterpay is similar to a credit card. However, the terms are different and there are no annual interest rates.

Instead of your debt increasing over time, you have a fixed amount of money to pay over a set time.

Upon the payment of the debt on your account, you will be eligible to borrow more on Afterpay.

You would need to provide a credit/debit card when you register an account at Afterpay. This card will be used to pay for the loaned money weekly until the total payment has been made.

How Does Afterpay Work?

Afterpay is easy to use. This is why it is preferred by many people over services like Sezzle, PayPal Credit, and Affirm.

To use the service, you will need to set up an account here.

You will need to provide information about your name, address, phone number, date of birth, and credit or debit card number. Your name must match the name on the card to avoid complications.

Upon successful creation of the account, you will get a spending limit. This limit is not fixed and it will increase the more you use Afterpay.

This spending limit is the amount you can spend and it depends on several factors. It also differs from one user to another.

You can then proceed to the store where you want to use Afterpay. On the checkout page, pick Afterpay as the payment method.

Note that not all online retailers accept Afterpay. For some, the profit they get is insignificant.

If the store does not accept Afterpay, like Amazon, you can use a one-time, virtual credit card number that you can add to the payment field.

This allows the money to be charged to Afterpay and you to use your credit or debit card to make a payment each time one is due.

In most cases, you will need to pay fortnightly, although you can choose between two weeks and a week later. Your first payment will be 25% of the total purchase price, including tax, fees, and shipping.

As long as you make your payments online, you will not owe any extra fees.

The number of times you have used Afterpay and how fast you paid off your fees will contribute to increasing the spending limit on your account.

Can I Use Afterpay on Amazon in 2022?

Amazon does not accept Afterpay. This is because the large retailer gains little from allowing customers to pay through this service. However, there is a workaround for this.

In place of Afterpay, Amazon offers special financing for Amazon shoppers who buy Kindle e-readers, Fire tablets, and Alexa devices. Amazon customers can also use Pay-in-4 on Amazon through the Klarna and Zip apps.

Why Doesn’t Amazon Allow The Use Of Afterpay?

Amazon does not support payment through Afterpay because it’s not worth it for the large e-commerce store.

Many stores offer Afterpay as a marketing technique to incentivize shoppers and provide more flexible payment arrangements. Because Amazon ships more than 1.6 million items per day, there is no need to incorporate Afterpay as a payment method.

However, that does not mean Amazon will not offer Afterpay in the future. As of 2022, this is not acceptable.

What Are The Restrictions on Afterpay?

Afterpay can be used for payments in stores that allow them, however, there are some restrictions.

  1. You will not be able to make purchases with Afterpay if you have pending payments or an open balance.
  2. You will not be able to add items to your order or place a second order if you fall behind on your payments.
  3. You will need to provide your credit or debit card details when you set up an account on Afterpay.
  4. You must spend within your spending limit.
  5. If you fail to make your payment, you will receive a late fee that will also need to be made when you make your next payment.

How To Use Afterpay on Amazon?

If you want to know how to use afterpay on Amazon, you should know Amazon does not accept Afterpay and you cannot use it on the website.

You cannot simply login to your Afterpay account to pay for your Amazon purchase.

Instead, you can use the virtual credit card option.

You will need to log into your Amazon account, choose the one-time-use credit card option and then enter that credit card information into the payment field during checkout.

This will still allow you to split up your payments and makes it possible to use Afterpay the same way. However, it makes the checkout longer and more complicated.

It also saves the card in your payments on your Amazon account, even though the card will not work if you attempt to use it again.

What Are Amazon Afterpay Alternatives?

Below are some of the alternatives you can use on Amazon.

  1. ZipPay
  2. ZipMoney
  3. Sezzle Premium
  4. PayPal Credit

What Are The Pros Of Afterpay?

Quick Approval

You do not need to worry about a credit check when you use Afterpay. Usually, your account will be activated in no time after you register your account.

You do not need to provide a social security number or any other information that could result in a hard pull on your credit report. This doesn’t mean your credit card isn’t fact-checked though.

No Interest Fees

If you pay responsibly and ensure you do not miss any of your payments, there will be no interest fees to worry about.

The only additional fees come if you miss a payment or make the payment late. In this case, you will have to pay an extra $10 on every payment missed.

Compared to credit cards which have very high-interest rates, Afterpay is the better option if you have to choose.

Payment Plans

Afterpay allows you to choose from different payment plans.

You can choose to make payments on your purchase weekly or fortnightly.

This ensures you get a plan that works best for you.

Emergency purposes

If you don’t have the money to spend on an expensive item but you need it and can’t wait to save up for it, Afterpay allows you to purchase now and pay for it later.

It can be helpful if you have an emergency and want to finance it in the most affordable way possible.


Afterpay is integrated into many online stores. That means all you have to do is choose the Afterpay payment option when you are at the checkout and log into your account.

This is easy to use and makes it possible to shop at many different stores without having to worry about getting out your debit or credit card.

What Are The Cons Of Afterpay?

Store limitations

Afterpay is not available at all stores. Retailers like Amazon do not support this payment method.

There are ways to still use Afterpay services, but if you want to use it the traditional way, you may find that you are limited in the number of options you have to choose from when shopping.

Late Payments

You may have to pay more than the amount you owe if you fail to make your payments a few times.

Usually, $10 is added to your open balance every time you fail to make a payment. Over time, this can pile up and may prove hard to pay.

Financial Issues

Afterpay is meant to be beneficial. However, it can also push you to spend money that you don’t have.

If you struggle to make your payments on other bills, it may not be a good idea to go further into debt.

What Retailers Accept Afterpay?

While Amazon doesn’t accept Afterpay, plenty of its competitors do, especially those who are clothing retailers.

There are more than 7,400 merchants who currently accept Afterpay at the time this article was published, with most in the beauty and apparel space.

Some of the well-known retailers that accept Afterpay include Forever 21, Old Navy, UGG, Fabletics, Levi’s, Pacsun, and Urban Outfitters.

There are also plenty of stores and brands like Jo Malone London, Credo Beauty, MAC Cosmetics, and The Cosmetics Company Store.

Can You Buy Now, Pay Later on Amazon?

Although Amazon does not allow Afterpay, you can still pay later for your purchases using other services.

For example, Amazon currently allows customers to use buy now, pay later services such as Klarna and Zip.

The payment on these purchases must be paid in no more than four instalments. Usually, 25% of the total amount is deducted weekly/fortnightly.

What Other Forms Of Payment Does Amazon Support?

Amazon accepts several forms of payments and it is always adding more options to make things easier for customers. Below are the different forms of payment that are currently supported:

  • Visa (including the Amazon Rewards Visa Signature Card)
  • Amazon Store Card
  • Amazon Secured Card
  • MasterCard/EuroCard
  • Discover Network
  • American Express
  • Diner’s Club (U.S. billing addresses only)
  • JCB
  • NYCE
  • STAR
  • China UnionPay (credit card only)
  • Visa, MasterCard, or American Express prepaid credit or gift cards

You can proceed here to see the list on Amazon’s official website.

How Does Afterpay Make Money?

Some people forget to make payments in time and this leads to an increase in their open balance.

When this happens, Afterpay adds a $10 fee to each missed payment.

If this repeats itself, it can add up over time. Afterpay counts on people not making their payments on time to make money.

Afterpay is also very appealing to shoppers, so when a store can say that it offers Afterpay, it may attract more customers or even a new type of customer base.

Many stores will pay a fee to offer Afterpay as an option for shoppers.

Can I Use Klarna On Amazon?

Klarna offers a ghost credit card that you can enter into your payment field at the Amazon checkout and use to split up your payments.

Similar to the buy now, pay later, you will need to pay in four instalments at most.

Can I Use Sezzle On Amazon?

Sezzle cannot be used on Amazon. However, a Sezzle virtual credit card may be accepted by Amazon if it is added under payment methods in your account. This is similar to how to use Afterpay on Amazon.

Sezzle has fees associated with its use, so ensure you check the fine print before you make a purchase using this card.

Can I Use Affirm On Amazon?

Affirm has partnered with Amazon and you can now pay on Amazon with this service.

With Affirm, you simply choose it as your payment option at the checkout and log into your account.

Your payment and contact information will be provided with your account page, so you never need to fill out any long forms or even provide your credit or payment information when checking out with this option.

However, there’s a catch, Affirm is only available for purchases that are over $50, and you must be approved for the price of the purchase before you can finance it.

Final Thoughts

Although Amazon does not accept Afterpay, there are some select products you can get monthly payments on. 

Amazon offers equal monthly payments and special financing for Amazon shoppers, as well as monthly plans for Kindle e-readers, Fire tablets, smart home speakers and similar devices.

If you need to buy a product now and pay later, Klarna virtual card will prove useful in your case.

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