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


Markets (consumer)	`US` `GB`
Processing currencies	`USD` `GBP`
Consumer currencies	`USD` `GBP`
Authentication methods	`REDIRECT`
Authentication timeout	4 hours
Minimum payment amount	1.00 USD (Pay-in-4) 400.00 USD (Monthly Payments) 1.00 GBP (Pay-in-4)
Maximum payment amount	2,000.00 USD (Pay-in-4) 4,000.00 USD (Monthly Payments) 1,200.00 USD (Pay-in-4)
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	120 days
Disputes	Yes
Settlement risk	No

Make an Afterpay payment

Afterpay payments follow our standardized REDIRECT payment flow. We recommend including all relevant settings for any authentication methods you support.

To create an Afterpay payment, you'll need to provide the following data at minimum when calling our payment charges endpoint:

Field	Description
`paymentMethod`	`AFTERPAY`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`USD` `GBP`
`consumer.country`	The country where the consumer is shopping.
`consumer.email`	The consumer email.
authenticationSettings: REDIRECT `settings.returnUrl`	Add the URL where the consumer should be redirected after they complete the payment. Required for the `REDIRECT` flow.

📘
Guidance
To improve the consumer experience and maximize payment approval rates with the BNPL provider, consider including the following fields. See the API Reference for full details.

Fields Description
consumer.merchantConsumerReference Helps with conversions, and chargeback investigations.
consumer.billingAddress Billing details support scoring and approval decisions.
order.orderItems Share the full cart with item-level details for optimal experience.
order.shippingAddress Include shipping details for tracking.

Fields	Description
`consumer.merchantConsumerReference`	Helps with conversions, and chargeback investigations.
`consumer.billingAddress`	Billing details support scoring and approval decisions.
`order.orderItems`	Share the full cart with item-level details for optimal experience.
`order.shippingAddress`	Include shipping details for tracking.

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": [],
  "discards": [],
  "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"
    },
    "discards": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/discards"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

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.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
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.
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"  
}

Sandbox testing

Disputes & chargebacks management

Afterpay uses the single dispute phase and requires the following support:


Dispute phases	`dispute`
Chargebacks	Post-decision chargebacks
Chargeback timing	Merchant loses after a challenge → Chargeback raised

The following actions are allowed in each phase:

Phase	Action Type	Due By (Days)	Message Config	Files Required	Amount Required	Supported Resolutions
DISPUTE	`CHALLENGE`	7	Optional (1 - 1000 chars)	No	Yes	N/A
	`ACCEPT`	7	Optional (1 - 1000 chars)	N/A	N/A	N/A

The following capabilities are allowed in all phases:

Capability Type	Statuses Allowed In	Configuration Details
UPLOAD_FILE	`ACTION_REQUIRED`	Types: GIF, JPEG, JPG, PNG, PDF Max Size: 10 MB Max Files: 5

❗️
Important: Please submit all evidence in a single, combined file. Only the last file uploaded is submitted as your evidence.