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Accepting Afterpay or Clearpay

Afterpay and Clearpay are payment processors you can connect to your Squarespace store so your customers can pay for products in installments, with zero percent interest. In the United Kingdom, Afterpay is called Clearpay.

Afterpay and Clearpay act as lenders. When a customer pays, you receive the full amount upfront, and your customer reimburses Afterpay or Clearpay in four installments over the next eight weeks.

Enabling Afterpay or Clearpay adds it as a payment option for all physical products in your store. It’s not available for digital or service products, or subscriptions. To learn how Afterpay can help grow your business, visit our Afterpay partnership site.

Note: Afterpay and Clearpay’s features and functionality are the same. However, we note any other differences in this guide, like processing fees and spending limits.

Eligibility

To use this payment processor in Squarespace, you’ll need to meet these requirements:

  • To use Afterpay, you’re located in the United States, Canada, New Zealand, or Australia
  • To use Clearpay, you’re located in the United Kingdom

For both Afterpay and Clearpay, you’ll also need to:

  • Connect Stripe as a payment processor
  • Be on the Website Business plan or either Commerce plan
  • Sell physical products
Note: Your store's currency must match the local currency for the country you chose in your Stripe account. For example, if you're a merchant with a Canadian Stripe account and you set your store's currency to USD, it's not possible to use Afterpay.

To successfully enable this feature you must also meet Stripe's eligibility requirements. Stripe ultimately determines your eligibility, not Squarespace, Afterpay or Clearpay. The biggest factor affecting your eligibility is the merchant category code (or MCC) associated with your Stripe account. Only Stripe can change this code. If you have questions about your eligibility, contact Stripe.

For your customers to pay using Afterpay or Clearpay, keep in mind:

Enable Afterpay or Clearpay

To enable Afterpay or Clearpay:

  1. If you haven’t already, connect a Stripe account.
  2. In the Home menu, click Commerce, then click Payments.
  3. Click Stripe.
  4. Switch the toggle beside Afterpay or Clearpay on.

Keep in mind:

  • After the above steps, this payment processor appears for eligible customers as a payment option at checkout for orders within their country’s spending limit.
  • The Afterpay or Clearpay logo appears on product details pages and during checkout in version 7.1 sites. For sites on version 7.0, the Afterpay or Clearpay logo only appears during checkout.

Processing fees

You pay processing fees for orders made through Afterpay or Clearpay, depending on which one you’re using.

Afterpay's processing fee is 6% of the order total, plus $0.30. This also includes Stripe's processing fee. Additional fees depend on the Squarespace website plan you have:

  • Business plan - Squarespace 3% transaction fee
  • Commerce plans- No Squarespace fees

Clearpay's processing fee is 6% of the order total, plus £0.30. This also includes Stripe's processing fee. Additional fees depend on the Squarespace website plan you have:

  • Business plan - Squarespace 3% transaction fee
  • Commerce plans - No Squarespace fees

How your customers check out with Afterpay or Clearpay

To check out, your customers must use a supported browser. In-app browsers, like Instagram or Twitter's browsers, don't support AfterPay or Clearpay’s functionality.

They'll follow these steps during checkout:

  1. In the Payment field, select Afterpay or Clearpay.
  2. Enter their billing address.
  3. Click Continue, then Continue with Afterpay or Clearpay.
  4. Log into their Afterpay or Clerapay account, or create a new account, accept the terms, and add their payment details.
  5. Review a summary of their future payments, and confirm the transaction.

After confirming their payment, they’re redirected to your store’s Order Confirmed page.

Your customers receive an order confirmation email from your store, and they may receive emails from Afterpay or Clearpay about their payment plan, depending on their settings in their account.

Your customer’s payment plan is managed entirely by Afterpay or Clearpay, including late payments and delinquency.

Note: If your customer's transaction doesn't complete, Stripe may mark it Uncaptured in your Stripe dashboard. To fix this issue, visit Failed customer payments.

Spending limit by country

If the order total is less than one dollar, or over the spending limit for the customer’s country, Afterpay or Clearpay won’t appear as a payment option at checkout.

Country Spending limit
AU $1-$2,000 AUD
CA $1-$2,000 CAD
NZ $1-$2,000 NZD
US $1-$2,000 USD
UK £1-£1,000 GBP

Customers who use Afterpay or Clearpay also have credit limits, which may restrict the number of transactions they can make or the amount they can spend. Credit limits are managed by Afterpay and Clearpay. For more information, customers should contact Afterpay or Clearpay.

Refunds

When you cancel or refund an order, the payment is returned to Afterpay or Clearpay. From there, they refund the customer’s down payment, and any installments they’ve made so far. If you issue a partial refund, the customer’s payment plan changes to reflect the new outstanding balance. Afterpay and Clearpay’s transaction fees are nonrefundable.

Disable Afterpay or Clearpay

When you disable Afterpay or Clearpay, no new purchases can be made using this payment processor. Customers who have already made purchases will complete their payment plans with Afterpay or Clearpay.

To disable Afterpay or Clearpay:

  1. In the Home menu, click Commerce, then click Payments.
  2. Click Stripe.
  3. Switch the toggle off beside Afterpay or Clearpay.

Supporting your customers

If your customers have questions about their payment plan, why their purchase wasn’t approved, or their credit limit, they should contact Afterpay or Clearpay.

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Accepting Afterpay or Clearpay