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 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:

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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.

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

Handling the payment result

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

To test Afterpay/Clearpay payments, you need to use the sandbox environment and create a test shopper account. Provider offers separate sandbox environments and test details based on country and region.
Follow the links to the Clearpay developer documentation for more details.

• Test Environment (Sandbox)
• Customer Accounts
• Test cards

Disputes & chargebacks management

A consumer has up to 120 days from the order date to raise a dispute with Afterpay or chargeback with their card issuer when they are unable to resolve the situation directly with the merchant. Afterpay encourages consumers to reach out to the merchant first to seek a resolution before escalating the claim.

Afterpay dispute management is available via the PPRO global disputes platform. If you are not integrated via API, PPRO will notify you via email of any new disputes or chargebacks.

Once a dispute is raised, the merchant is required to provide a response (Challenge or Accept) within 7 days. Failure to respond within this window will result in the dispute being automatically lost.

The section below contains the technical specifications and settings for Afterpay for an integration with the PPRO global disputes platform via API.

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

The following actions are allowed in the dispute phase:

The following capabilities are allowed in the dispute phase: