Question 1

Why am I seeing a charge from Afterpay instead of the store where I shopped?

Accepted Answer

When you choose Afterpay at checkout, Afterpay pays the merchant on your behalf and then collects the amount from you in installments. As a result, the installment payments usually show up on your bank or card statement as charges from Afterpay, not from the original store. You can confirm which order the charge is linked to by checking the Orders/Activity section in your Afterpay app or online account.

Question 2

What are the typical Afterpay payment amounts and schedule?

Accepted Answer

Most Afterpay purchases are split into four equal, interest‑free installments: the first payment is due at checkout, and the remaining three are charged automatically every two weeks. The exact installment amounts depend on your total order value, any discounts, and local currency. You can view your full payment schedule and exact dates in the order details in your Afterpay account.

Question 3

Why do I see multiple Afterpay charges on the same day?

Accepted Answer

You may see several Afterpay charges on the same day if you have multiple active orders with installments due at the same time. Each order has its own repayment schedule, so different installments can fall on the same date. You can open the app or log in at afterpay.com to see a breakdown of all upcoming and processed payments by order.

Question 4

What is this small or temporary Afterpay charge or authorization hold on my account?

Accepted Answer

Afterpay may place a temporary authorization hold on your card when you create a new order or update your payment method to confirm that funds are available. This can appear as a pending charge, sometimes for the first installment amount or a small test amount, and does not always settle as a final transaction. Authorization holds usually drop off within a few business days if the order isn’t completed or is declined.

Question 5

How do I cancel or reschedule Afterpay payments?

Accepted Answer

Once an order is approved and shipped, you generally cannot cancel the payment plan through Afterpay alone—you must first return or cancel the order with the retailer according to their policy. However, Afterpay sometimes allows you to adjust payment dates within certain limits from the app or website under the specific order, as long as your account is in good standing. If you are experiencing financial hardship, you can contact Afterpay support via help.afterpay.com to discuss possible payment assistance options.

Question 6

How do refunds work for purchases made with Afterpay?

Accepted Answer

Refunds for Afterpay orders are initiated by the retailer, not directly by Afterpay. Once the store processes a full or partial refund, Afterpay updates your payment plan: future installments may be reduced or canceled, and any overpaid amounts are credited back to your original payment method. Refund timing can vary by bank, but it is typically processed within 5–10 business days after the retailer completes the refund.

Question 7

Why was I charged a fee by Afterpay, and how much can late fees be?

Accepted Answer

Afterpay does not charge interest, but it may charge late fees if a scheduled installment cannot be collected and remains unpaid after reminders and a grace period. Late fee amounts and caps vary by country, but they are typically fixed, modest fees per late payment and are capped as a percentage of the order value. You can see any applied or potential late fees for each order in your account and avoid them by updating your card details and ensuring sufficient funds before the due date.

Question 8

How can I contact Afterpay about an unrecognized or incorrect charge?

Accepted Answer

If you see an Afterpay charge you don’t recognize, first log into your account via the app or afterpay.com to check whether it matches an order or installment. If you still believe it’s incorrect, go to help.afterpay.com and use the support options (such as submitting a request or using in‑app help) to contact customer service with the transaction date, amount, and last four digits of the card charged. If you suspect fraud or cannot find the charge in your account at all, contact Afterpay support immediately and also notify your bank or card issuer to secure your card and dispute the transaction if necessary.

Afterpay

About Afterpay

Bank Statement Variations

Frequently Asked Questions