How To Use Afterpay Stores To Buy Now Pay Later


If you’re looking for a way to finance your next purchase without having to pay for it all at once, then you should consider using the Afterpay payment method which is a buy now pay later service that allows you to break up your payments into four equal installments (also known as Pay-in-4), which are due every two weeks. This can be a great option for people who don’t have the money saved up to make a large purchase outright. In this blog post, we will discuss how Afterpay works and provide a list of stores that accept this payment method!

How Afterpay Works

To use Afterpay, all you need to do is select it as your payment method at checkout. You will then be prompted to enter your credit or debit card information. Once you have done this, your first installment will be charged to your card. Every two weeks thereafter, another installment will be charged until the purchase is paid off in full. It’s that simple!

How To Use Afterpay In Stores

Afterpay now allows you to shop in-store as well as online and be able to buy now pay later.

  1. Set up digital wallet

    Get the Afterpay app, visit the In-Store tab to set up the digital card, and follow the prompts to add it to your digital wallet

  2. Discover stores

    Browse the In-Store tab or keeping reading this post to find stores near you that accept this buy now pay later method.

  3. Take purchase home today

    Tap to pay with Apple Pay or Google Pay and pay your purchase off in 4 easy installments over 6 weeks.

What Stores Accept Afterpay At Checkout?

Now that you know how Afterpay works, you may be wondering which stores accept this payment method. Afterpay is accepted at a variety of stores, both online and in-person. Some of the most popular stores include Forever 21, Target, Urban Outfitters, and ASOS. However, this is just a small sampling of the stores. To see a full list of stores, keep reading to see our list of Afterpay stores below.

Stores Where You Can Use Afterpay In-Store

The following Afterpay stores allow you to pay both online and in-store locations:

List of all Afterpay Stores

Afterpay Plus Card

The Afterpay Plus Card lets you pay for your purchase in four installments without any interest. This card lives in the digital wallet on your phone and can be used at any store that accepts Apple Pay or Google Pay. You must apply separately for the Plus Card inside your app as you are not automatically approved immediately.

Afterpay Alternatives

If you or your business do not qualify for Afterpay, we recommend the following buy now pay later financing providers. Click the corresponding BNPL option to see which stores accept that method. 

Afterpay FAQs

Here are some frequently asked questions about this popular buy now pay later provider.

How much does Afterpay cost?

There are no fees when you use Afterpay as long as you pay on time. There are no upfront fees or interest incurred. You will only be responsible for your purchase price and any applicable taxes.

When are the payment installments due?

Your first installment payment is due at the time of purchase. The subsequent installments are then due every two weeks.

What if I can’t pay an installment?

If you are unable to pay an installment, you may be charged a late fee which is capped at 25% of the order value. You will also be required to pay off the remaining balance of your purchase within eight weeks.

Can I use Afterpay at all stores?

No, however, it is accepted at many popular stores, both online and in-person. Scroll up to see a full list of stores that accept Afterpay.

Does Amazon accept Afterpay?

Unfortunately, they do not. But Amazon does accept Affirm.

Can you use Afterpay at Walmart?

Unfortunately, no. But Walmart also accepts Affirm.

Does Target accept Afterpay?

No, but Target offers several other buy now pay later option including Affirm, PayPal Credit, Sezzle, and their own store card. If you sign up for a Red card (it’s free), you’ll receive 5% off every purchase both instore and online!

Can I use an Ulta Beauty promotion code with Afterpay at

Yes, you can! If you are using a promotion code, enter the discount code at checkout to receive the reduced order total. The new discounted amount will be applied at checkout, showing your newly updated order total with the promotion deduction. If you don’t see the 20% Ulta discount applied to your order, rest assured that your discount has been applied. In the checkout, a line item is included to verify that the discount has been applied to your order. The new reduced order total is sent to Afterpay, which means Afterpay displays the total including the discount.

Is there a minimum or maximum on in-store Afterpay purchases?

If you’re unsure about a store’s minimum purchase amount for Afterpay, please ask a store associate as it’s up to the individual store. Your maximum pre-approval amount will be displayed to you in the Afterpay app before you make your purchase. Please keep in mind that pre-approval is not a guarantee of approval when you’re at the register ready to pay.

Does Afterpay hurt your credit?

No, Afterpay does not hurt your credit score. If you miss a payment, it may be reported to credit agencies, but this will not affect your credit score. You can also set up automatic payments so that you never have to worry about missing a payment. However, if you do not make your payments on time, you may be charged a late fee. Additionally, if you decide to cancel your Afterpay account, this will be reported to the credit bureau and could potentially hurt your credit score.

Does Apple accept Afterpay? does not accept Afterpay.

What sneaker stores accept Afterpay?

Several of the above Afterpay stores sell name brand sneakers including Finish Line, GOAT, and JD Sports.

Does Nike have Afterpay? does not accept Afterpay, but several of the above Afterpay stores sell Nike shoes, Nike clothing, and/or Nike accessories including Finish Line, GOAT, JD Sports, Nordstrom, and The Real Real.

Can you use Afterpay anywhere?

The Afterpay Plus Card allows you to pay at any store that accepts Apple Pay or Google Pay.

Can you buy furniture with Afterpay?

Several of the above Afterpay stores sell furniture including Cost Plus World Market, Levity, and Houzz.

How much does Afterpay cost for merchants?

Afterpay charges the merchants a 30¢ flat fee and a variable 4%-6% commission rate per transaction on all sales made via the platform.

How does Afterpay make money?

The company makes a 30¢ flat fee and a variable 4%-6% commission rate on each transaction. Late payment penalties are also a source of revenue for the company.


Now that you know all about Afterpay, the buy now pay later payment method, and a list of stores that accept it, you’re ready to start using it! Whether you’re shopping online or in-person, Afterpay makes it easy to finance your next purchase. So what are you waiting for? Start shopping today!

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