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Accepting Afterpay

Afterpay is a payment processor that customers can use to pay for products in installments with zero percent interest.

Afterpay acts as a lender. When a customer pays with Afterpay, you receive the full amount from Afterpay upfront, and your customer reimburses Afterpay in four installments over the next eight weeks.

Enabling Afterpay adds it as a payment option for all physical products in your store. Afterpay isn’t available for digital or service products, or subscriptions.

Eligibility

You'll see the option to enable Afterpay in Squarespace if:

  • You’re located in the United States, Canada, New Zealand, or Australia
  • You’ve connected Stripe as a payment processor
  • You’re on a Commerce Basic or Commerce Advanced plan
  • You 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.

However, to successfully enable the feature you must also meet Stripe's eligibility requirements. Stripe ultimately determines your eligibility, not Squarespace or Afterpay. 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 Afterpay eligibility, contact Stripe.

Your customers can check out with Afterpay if:

Enable Afterpay

To enable Afterpay:

  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 on.

Keep in mind:

  • When you enable Afterpay, eligible customers will see it as a payment option at checkout for orders within their country’s spending limit.
  • The Afterpay logo appears on product details pages and during checkout in version 7.1. For sites on version 7.0, the Afterpay logo only appears during checkout.

Processing fees

You pay processing fees for orders made through Afterpay. The fee is 6% of the order total, plus $0.30. This includes Stripe’s processing fee.

How your customers check out with Afterpay

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

They'll follow these steps during checkout:

  1. In the Payment field, select Afterpay.
  2. Enter their billing address.
  3. Click Continue, then Continue with Afterpay.
  4. Log into their Afterpay account, or create a new account, accept Afterpay’s 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 about their payment plan, depending on their settings in Afterpay.

Your customer’s payment plan is managed entirely by Afterpay, 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 won’t appear as a payment option at checkout.

Country Spending limit
AU $1-$2,000
CA $1-$2,000
NZ $1-$2,000
US $1-$1,500

Customers who use Afterpay 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. For more information, customers should contact Afterpay.

Refunds

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

Disable Afterpay

When you disable Afterpay, no new purchases can be made through Afterpay. Customers who have already made purchases will complete their payment plans with Afterpay.

To disable Afterpay:

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

Supporting your customers

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

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Accepting Afterpay