Does Amazon Take Afterpay or You Need Other BNPLs Here?

If you are, like me, continuously looking for a platform that will let you buy now and pay later with Afterpay, Amazon must have crossed your mind as a potential option. However, with little information highlighted on the official websites, buyers still need to learn whether Amazon takes Afterpay or not. I will give you a precise answer! 

Can You Use Afterpay On Amazon For Payments?

Afterpay is a popular buy now, pay later option that many retailers are working with to make everyday purchases lighter on consumers’ pockets.

With Amazon being one of the largest online retailers in the world, it becomes an obvious concern for buyers to figure out whether they can use Afterpay on Amazon.

You can not use Afterpay on Amazon, and it is doubtful that this payment method will be introduced on Amazon.com soon. 

That’s a disappointment! Amazon has a wide selection of products, and thanks to the fast shipping times, most online buyers from around the globe consider it their first go-to place for shopping.

There is no need to skip your shopping plan at Amazon.com because it does not accept Afterpay. Buy now, pay later. Below, I will explain why this is the case and provide some alternatives. Stay here!

Why Does Amazon Not Take Afterpay?

You may be ready to pay on Amazon with Afterpay, but suddenly, you realize that Amazon Afterpay is not working.

Why? You will find the answer to this question because Amazon has its payment option, Amazon Pay. Therefore, Amazon encourages buyers to use it instead of diverting them to other payment methods.

Moreover, there are additional fees if Amazon chooses to accept Afterpay. To avoid these, the platform does not encourage consumers to go for other buy now, pay later payment options.

What Are Other Ways To Buy Now Pay Later on Amazon?

Amazon understands how important it is to provide its customers with multiple options when it comes to payment methods.

It is also essential to know that BNPL programs are in demand nowadays. So even though Afterpay is not supported, there are other buy now pay later options that I will discuss in the next section.

1. Klarna

Does Amazon take Klarna if not Afterpay?

Similar to Afterpay, Amazon does not support Klarna. Some users have pointed out that workarounds applicable to Afterpay are also helpful with Klarna on Amazon. Still, I could not find solid evidence that this payment option was being used at Amazon.

You can, however, apply for the Klarna ghost credit card and check it out for yourself. It is said that this credit card works on Amazon just like any other credit card, and you can enter the card information in the payment field at Amazon checkout to split purchase costs.

2. Affirm

Amazon partnered with Affirm in the early days of its operation, so you can easily use Affirm financing to buy products on Amazon. The option will be available after you log in to your account and add the desired items to the cart.

Then, you can proceed to checkout and select the “Pay with Affirm” option. However, this is only possible if your purchase order exceeds $50. 

The requirements will be approved before the Affirm financing option becomes available. Once you have added the contact information to your Amazon account, you will not need to fill out lengthy forms for future purchases.

You can also save your credit or payment information when checking out. In this way, any product you buy later on will not require you to enter any data before the payment can be processed.

3. Sezzle

Unfortunately, Amazon does not work with Sezzle. You can look into similar BNPL platforms supported by Amazon, but there is no hope that Sezzle will be added as an option soon.

Sezzle virtual credit card is sometimes accepted on Amazon at the checkout for specific payments only. 

Moreover, Sezzle is accepted at a variety of other stores, online and physical, for buy now pay later financing. It does not charge any additional fee for the service, but it is recommended that you check the fine print before making any purchase.

4. ZipPay

Amazon works with both ZipPay and ZipMoney. You can add these payment methods to your Amazon account and then use them to pay whenever necessary without manually entering the information every time.
ZipPay is ideal for many buyers as it offers credit with no cost for purchases that exceed $1500. On the other hand, ZipMoney provides credit of up to $3000 during a restricted no-interest period of 6 months.

5. Amazon Pay

One of the most reliable ways to buy now and pay later on Amazon is to use Amazon Pay. This app lets you directly link a debit or credit card to your Amazon account.

Then, you can use the specific cards to make purchases at Amazon.com. The option to pay in installments will show up at the checkout. 

Once you have added a debit/credit card to your Amazon account, you can choose Amazon Pay for the payment without manually adding data every time you make a purchase. If you are new to this, consider signing up for Amazon Pay service right now.

6. Afterpay One-Time Use Credit Card

I just confirmed that Amazon does not take Afterpay, but there is a workaround that you can use instead. Let’s find out what the Afterpay single-use payment method is.

Although the Afterpay app is not an option, you can utilize Afterpay’s one-time use credit card to split up payments on Amazon, as the website recognizes this as any other credit card and will not turn it down as a payment option.

You can use the credit line for the purchases and then pay back the amount you spend weekly or bi-weekly. 

7. Afterpay App Integration

You can integrate the Afterpay app with Amazon to make convenient payments. Install the Afterpay app on your device and log in to your account. Then, link the account with Amazon.com for purchases. This method allows you to easily split payments into four interest-free installments and complete the transfers over the next six weeks.

What Retailers Accept Afterpay BNPL?

So, Amazon is off the retailer list that allows you to use Afterpay. Be satisfied because hundreds of other stores will be more than happy to take Afterpay BNPLs with you. I will briefly discuss some of these below. 

1. Beauty Brands

Leading beauty brands that take Afterpay include Credo Beauty, The Cosmetics Company Store, MAC Cosmetics, and Jo Malone London.

2. Accessories

Some accessory brands work with Afterpay as well. These include Crocs, LensCrafters, Pandora, and Steve Madden.

3. Clothing Retailers

Clothing retailers like Levi’s, Forever 21, Dillards, Urban Outfitters, and UGG are some of the most prominent names that accept Afterpay. Other popular clothing brands include Fabletics, Pacsun, and Old Navy.

How Does Afterpay Buy Now Pay Later Works?

Afterpay is one of the most reputable and safe buy now, pay later services, and it is currently accepted as a payment option on multiple websites. You can use it to make expensive purchases affordable by splitting the cost into smaller installments.

It provides you with a set credit limit that you can use for shopping. Then, you have to pay back the borrowed amount within a specific period. 

If you are new to Afterpay service, you must set up an account first. This will require you to provide your full name, contact address, phone number, credit card number, or debit card number.

Then, you may have to wait a couple of minutes for approval. Once activated, you can choose the Afterpay option at the checkout and pay directly with a linked card.

Afterpay BNPL service needs you to pay 25% of the purchase cost as the first installment. The rest of the payments are divided into equal parts, and you can choose to pay them weekly or bi-weekly.

There are no extra fees with Afterpay as long as you pay off the installments timely. Otherwise, the platform will charge you a 10% penalty fee. 

What Are Some Limitations on Using Afterpay?

Afterpay is a simple tool to use. It is compatible with a large number of retailers and online merchants. There are also very flexible eligibility criteria, making it an ideal buy now, pay later payment method for many users.

However, Afterpay has its limitations. All of these are disclosed in their terms of use, so I recommend you thoroughly review this section if you are a new Afterpay user.

• All Afterpay users must link a valid debit or credit card when setting up the account.
• The card you choose to link with Afterpay must be registered in your name.
• Afterpay does not support the use of prepaid cards.
• Afterpay will not allow you to make any future purchases if the outstanding balance from the last purchase has not been paid off.
• If you fail to make a payment, you will have to pay a late fee when you make the following payment.
• You can only add new items to the cart or place further orders if you are on time to clear the previous payments.
• Afterpay will give you a spending limit when you set up your account. You must adhere to these limits at all times. Responsible use over time can help you gradually increase the spending limit.

What Are Pros of Using Afterpay?

Afterpay can be very helpful if used correctly. It can help you purchase items you can not afford to pay for upfront. The interest charges are minimal, and there are no additional fees as long as you pay on time.

These are just some of the advantages. Let me walk you through more perks of becoming an Afterpay user!

• Afterpay is fast and easy to use. Moreover, it is compatible with various online retailers and physical stores.
• Approval for Afterpay will reach you within minutes.
• There is no need for an extensive background credit check when you sign up with Afterpay.
• You only need to provide your social security number and other personal information, but there is no hard check of your credit report to proceed.
• There are multiple Afterpay payment plans from which to choose. These range from weekly to biweekly and monthly options.
• It is available as a payment option on many online retailers’ websites. You must select it at the checkout and pay with a single tap.
• Buyers can gradually increase their spending limit by using Afterpay responsibly. The limit will be increased whenever you pay off a purchase on time.
• There is no interest as long as you pay on time.
• Afterpay is also a good option if you currently have a bad credit score or face credit card debt.

Are There Cons of Using Afterpay Too?

Did you expect the platform to be free of any drawbacks? Think again because I have come across a few that are worth considering.

• Many prominent stores still need to support Afterpay as an option at the checkout.
• You have to pay a $10 fee if you miss a payment. This will be added to the purchase balance when you pay off next time.
• A couple of late payments can mean you will end up paying more than the actual cost of the item.
• There is a spending limit with Afterpay, which can be pretty low, especially if you have just signed up with the service.
• Although Afterpay promises to increase spending over time, many users have reported that their limit was never increased even after countless on-time payments.
• Afterpay does not allow you to pick a payment date. You can, however, choose whether the payments will be weekly, biweekly, or monthly.
• Once the date is set for the payment, you can alter it for the remaining installments.
• Afterpay, as well as other buy now, pay later apps, encourage buyers to purchase things that they can not afford. This can result in a high debt situation if handled appropriately.

Before You Go!

There is no doubt that Afterpay is a popular payment method that several retailers now accept, but since a handful still need to use it, I recommend you check beforehand. Moreover, if you want to stick to Amazon purchases only, check out Amazon Pay to simplify shopping at Amazon.com.

Did you find this piece of reading interesting? You should further explore whether Amazon takes Netspend and also explore other stores that accept Amazon Pay!