Afterpay and Clearpay payments

Afterpay provides your customers in Australia, New Zealand, the United Kingdom, and the United States a way to split purchases over four installments. Your customer only pays the first installment at purchase time. You are immediately paid in full and Afterpay collects the remaining installments from the customer over time. Afterpay is particularly popular among businesses selling fashion, beauty and sports products.

Payment flow

Getting started

Get started with accepting Afterpay payments. You can also let customers know Afterpay payments are available by including our site messaging Element on your product, cart, and payment pages.

Domestic transactions only

You can accept payments from customers in the same country that you registered your Stripe account in. Payments must also match the local currency of the country. Review the default transaction limits for the country.

Prohibited business categories

On top of the categories of businesses restricted from using Stripe overall, the following categories are prohibited from using Afterpay.

• Alcohol
• Digital goods
• Donations
• Electronics
• Flash sales
• Furniture
• Pre-orders
• Services
• Software
• Ticket sales and events
• Travel

You can find the full list in the terms of service.

Adding Afterpay branding to your website

Let your customers know you accept payments with Afterpay by including the site messaging Element on your product and cart pages.

Afterpay also provides static visual assets and branding guidance. In AU, NZ and the US, consumers know Afterpay as ‘Afterpay’. In the UK, they know it as ‘Clearpay’. Make sure you pick the right location (see the footer in the Afterpay documentation) so that you get the appropriate assets. See the UK assets and branding guidance for an example.

Disputed payments

Afterpay covers disputes driven by consumer fraud or inability to repay instalments. Afterpay may request additional information via email if the customer claims that you haven’t delivered the relevant goods as expected. These disputes may turn into chargebacks, with funds withdraw from your Stripe account, if Afterpay receives a large volume of consumer complaints.

Refunds

You can refund Afterpay charges up to 180 days after the original payment. Refunds for Afterpay payments are asynchronous.

Connect

Stripe Connect can be used with Afterpay to process payments on behalf of a connected account. Connect users can use Afterpay with the following account and charge types:

Stripe and Afterpay rely on merchant category codes (MCC) to determine eligibility of the connected accounts against the Afterpay prohibited business categories. Please ensure that you set correct MCCs for your Custom and Express accounts.