Afterpay (operating as Clearpay in the UK) is an interest-free Buy Now Pay Later product. Consumers can choose to Pay-in-4 interest-free instalments or, for qualified Afterpay consumers, an additional repayment option during checkout allows them to pay over 6 or 12 monthly instalments, available exclusively for US consumers. With a global payback rate of 95% early or on time, transparent spending limits, and capped late fees, Afterpay aims to unlock growth for merchants and prevent overspending for the consumer. Learn more about Afterpay.

Payment method properties

Make an Afterpay payment

Afterpay is available through our standardized REDIRECT flow. We recommend including all relevant settings for any authentication methods you support.
To create a Afterpay payment, you'll need to provide the following data at minimum when calling our payment charges API:

Request

POST /v1/payment-charges

{
  "paymentMethod": "AFTERPAY",
  "amount": {
    "value": 1000,
    "currency": "USD"
  },
  "consumer": {
    "email": "[email protected]",
    "country": "US"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
  "id": "charge_Y3JVzvEaJpvG53xd2R2Zt",
  "paymentMethod": "AFTERPAY",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
  "currency": "USD",
  "country": "US",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "email": "[email protected]",
    "country": "US"
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
    }
  ],
  "authorizations": [
    {
      "id": "authz_aPobet0FNZNU1bYqfexFd",
      "amount": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-06-21T08:34:20.766Z",
      "updatedAt": "2025-06-21T08:34:20.766Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "voids": [],
  "createdAt": "2025-06-21T08:34:20.114Z",
  "updatedAt": "2025-06-21T08:34:20.766Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/refunds"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

1. Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
   For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
2. The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

1. After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
2. Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
3. Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

A PASSTHROUGH_WALLET instrument will be created for Afterpay, with no additional data provided.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{  
    "id": "instr_Asu0ig2PXXZSiNrhY44A5",  
    "type": "PASSTHROUGH_WALLET"  
}