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    Afterpay

Afterpay

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Overview

Afterpay has a rating of 1.1 stars from 223 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about Afterpay most frequently mention customer service, spending limit, and phone number problems. Afterpay ranks 85th among Department Store sites.

  • Service
    156
  • Value
    131
  • Shipping
    100
  • Returns
    120
  • Quality
    116
Positive reviews (last 12 months): 0%
Positive
0
Neutral
0
Negative
31
View ratings trends
61
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How would you rate Afterpay?
Top Positive Review

“Awesome company with morals unlike some...”

W M.
8/10/21

Afterpay is an awesome platform designed to help you purchase items by dividing your purchase to (4) equal payments. They have multiple stores they are partnered with to be able to offer you the payment options and gather more every day. They still in the US not have come as far as the Australia Afterpay platform allowing you to make virtual cards, purchase in all stores and other different merchants but it's getting there just takes time but make sure you check them out.

Date of experience: 8/10/21
See positive reviews
Top Critical Review

“Worst customer service ever”

Kymberley L.
8/8/24

These guys are just money hungry bustards with absolutely no care factor or loyalty to thier customers what so ever. You cam be a loyal customer for years with perfect payments and when something goes wrong by accident they will.just cut you off for 12months without a care in the world which makes you feel used and unimportant to the company even.though you were probably a customer who helped build the company to where it is today. They don't give a $#*! about thier customers and they don't deserve customers full stop.

Date of experience: 8/8/24
See critical reviews

Reviews (223)

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Reviews that mention popular keywords

customer service (55) spending limit (15)
Thumbnail of user deniseg1171
California
1 review
8 helpful votes
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October 28th, 2023

I almost feel bad for the 1 star because they have helped me on many occasions. But taking your credit limit down to 0 for being 1 day late. That is horrible... The rich does not need this company. It's the Friday to Friday people who use afterpay. You should have a grace of 3 days at least. If I had money I would not need your services in the first place. I have used this company since mid 2019 and spent thousands with them. They DO NOT CARE ABOUT THEIR CUSTOMERS.

Date of experience: October 28, 2023

Thumbnail of user lanas369
Georgia
1 review
0 helpful votes
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December 20th, 2022

I have ordered items for Christmas on Amazon And this company afterpay decided to cancel it didn't let me know until 3 days later that they canceled my order from Amazon. Now I only have less than 4 days to get the items i need for my family. With anyone that is on tight budget it's pain for paiding for everything in the household items they are not gonna get as much because of this app afterpay. When u have started payment still didn't get a refund on the payment u did. Know I will do my best to get
Presents for Christmas. I will never go Thru this company again! One star is me being Generous on the review I would put 0 but there is not an option for that

Date of experience: December 20, 2022

Thumbnail of user clakers1026
Georgia
1 review
0 helpful votes
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September 30th, 2023

Don't waste time your time and energy. I was approved for $600. But after would try to make purchases, they would deny me. This happened several times with no explanation. I had to prove I was real, my address was real ( they swore up and down that city I live in wasn't real) my email address was real, my LEASE TO MY HOUSE. Was real and my drivers license was real and valid multiple times. They tried to say I was fraudulent because in the several emails I sent them, my phone switched to my work email. Their responses we were cut and paste with no real answers if it even if it applied to what I was saying. Just for them to deny me every time even though I was approved for $600. Tried different amounts and different stores. Same dang thing every time. Never even had the chance to try it.

Service
Value
Shipping
Returns
Quality

Date of experience: September 30, 2023

Thumbnail of user lisag2815
Texas
1 review
0 helpful votes
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November 19th, 2022

I made a purchase with Amazon that Afterpay declined after taking the money out of my account. After they sent me an email saying they declined the payment they still refused to refund my money until I proved to them I didn't get the items. After filing a complaint with the BBB they refunded some of my money but not what they had took out my account. Terrible service if you ever need a refund. They will do anything and everything to keep from giving you back your money.

Date of experience: November 19, 2022

Thumbnail of user kathleenw1589
Washington
1 review
3 helpful votes
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January 17th, 2023

Bought shoes returned them, the shoe co. Imediately refunded the full amount to Afterpay after contacting afterpay since I didn't receive a reimbursement for my first payment, afterpay says they issued a "credit to my account" but it still hasn't been recieved into my account 12 days after they "credited" my account. This is a scam I'm sorry to say im so angry and frustrated by their delay tactics.

Tip for consumers:
Don't use afterpay

Products used:
It's afterpay

Service
Value

Date of experience: January 17, 2023

Thumbnail of user jillw310
Jill W.
Texas
1 review
3 helpful votes
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June 19th, 2023

The purchase was on 6/14 - one order of 3 items - which I received yesterday. I am happy with my purchase and will pay for it. HOWEVER, Afterpay has decided it will charge me twice for the same purchase. I have made multiple attempts to contact (which have to be through website - they block emails and phone calls) - and each complaint they pretend to not understand the problem. I have resorted to filing a claim with the Better Business Bureau. I should not have to pay twice for my one order. In my view they are like common thieves, and as soon as they fix the billing I will pay it off and close the account. HORRIBLE. BUYER BEWARE.

Service
Value
Shipping
Returns
Quality

Date of experience: June 19, 2023

Thumbnail of user jenetteb5
New Zealand
1 review
0 helpful votes
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May 10th, 2023

Tried to write through app to reduce my spending limit. Currently I have 3000. And want to take it to 1000 but guess what, it won't let me. Says it needs to be less than my limit, um hello I'm sure 1000 is less than 3000. Of course you can't ring. This is my 2nd negative on afterpay. Disgusting service

Service

Date of experience: May 9, 2023

Thumbnail of user lourdesm109
Florida
1 review
0 helpful votes
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September 12th, 2022
Verified purchase

When there is a problem and you need to speak to them the number they list is an out if the country number. When you have an issue they are imposible to reach. I was part of a scam merchant that they supported
Use Klarna they are awesome, reachable, refunds are quick and they dont pay until the items are shipped

Service
Returns

Date of experience: September 12, 2022

Thumbnail of user maribelc93
Texas
1 review
0 helpful votes
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June 16th, 2023

I used Afterpay for an order returned my items and got my refund back to my bank contacted Afterpay so they can adjust my order they refuse to adjust my order and no way to call someone on the phone. Only luck to get someone on the phone is by submitting a complaint through BBB and someone will pick up the phone and call you. Spoke with a women who stated she is the highest of the highest in Afterpay does not have a boss and stated Afterpay policy has always been they won't adjust your order and refund your money back. That is not true because they have done it plenty of times

Date of experience: June 16, 2023

Thumbnail of user britef
Massachusetts
12 reviews
51 helpful votes
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November 13th, 2022

Support was horrible. I canceled an order with a merchant and they said they would refund me back my partial payment. They did not honor what they said and never communicated to Afterpay that the order was cancelled. I put out a claim with Afterpay showing email correspondence between me and the merchant and proof that the order was canceled. They did nothing, stating that it was between me and the company and continued to charge my account for an item that I cancelled and never received.

As a result I put out a claim with my bank and reported Afterpay to the Better Business Bureau. This is a horrible/negligent third party company that gives all the power to unscrupulous companies. Valuable lesson, pay your money up front without a third party. If this was just my bank it would have been handled a lot swifter. Beware of these third party companies that don't have the consumers best interest in mind.

Service
Value

Date of experience: November 13, 2022

Thumbnail of user liliah14
Nevada
1 review
1 helpful vote
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June 6th, 2022

I brought 2 dresses from Nordstrom. They kept collecting from my account on 1 returned dress. They kept asking for receipts and copies of my bank account. Nordstrom got involved telling them via email that both dresses were already returned. After multiple emails to Afterpay, after multiple communication via emails they disregarded both Nordstrom and my return receipts. I have no other choice but to contact the Bureau of Business to file a formal complaint. Beware if this company specially when they begin to ask for snap shots of your bank account. They have the available resources to confirm information with the retail stores but they refused cuz they are a bunch on bandits wanting to continue charging on returned items and asking for snap shots of your bank account!

Products used:
Purchase at Nordstrom. Later returned and this company has requested copies of the receipts along with snap shots of my bank account !

Service
Value
Shipping
Returns
Quality

Date of experience: June 6, 2022

Thumbnail of user amym3357
Ohio
1 review
5 helpful votes
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October 2nd, 2023

I had ordered something on Ulta's app and used Afterpay for the payment. The order did not go through and Ulta canceled it. But Afterpay's payment went through. I filed a complaint stop the payment on the order that is canceled and Ulta replied stating that the order was definitely canceled but Afterpay is still charging me. I cannot get them to answer my messages or even fix the problem. It's been a week and I have yet to get any resolution from them.

Service
Value
Shipping
Returns
Quality

Date of experience: October 2, 2023

Thumbnail of user makaylab16
Iowa
2 reviews
6 helpful votes
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March 24th, 2021

I used them because I trusted them. Completely betrayed them when I ordered from mycalmblanket through them. They don't care that you get scammed only that they get their own due from said companies. Be wary, they don't care about their customers!

Tip for consumers:
Don't. If you do, do your own research before buying from any of their "options"

Products used:
Used Mycalmblanket through them. I didn't get a product or a refund. Again, I used AfterPay because I TRUSTED them. I didn't even stop to think that such a "reputable" company would help another scam me out of nearly 300$

Service
Value
Shipping
Returns
Quality

Date of experience: March 24, 2021

Thumbnail of user bonnies912
Oregon
1 review
6 helpful votes
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May 22nd, 2023

I've used Afterpay for quite sometime, HOWEVER if you have an issue/problem they are the WORST! No human body, no phone number to call, only communication is by email and those "time out" if you don't respond in their timeframe. Never will use again.

Service
Value
Shipping
Returns
Quality

Date of experience: May 22, 2023

Thumbnail of user carolynk710
Georgia
1 review
0 helpful votes
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July 3rd, 2023

They changed one card 299.00 and 199.00 the 199.00 was a charge I made and the 299.00 was a return the company sent the information regarding the return. The send card Citi bank these purchases were made tge last of march and charged. I didn't activate Citi card until second week in April. I used after pay for another item and at that time they charged my card 299.00 and the 199.00 they had been already paid in march on Barclays card. They would have gotten away if I hadn't caught it on the statements. You can imagine how many hours I spent in phone straightening this out. I finally got all my money back. But after numerous emails they would never tell me why and how this happened. They had photos of the bank statements. Etc. Now I can't close the account I follow all the prompts but when you choose close account nothing. I don't understand how and why big name banks use this company with all tge complaints against them.

Service
Value
Quality

Date of experience: July 3, 2023

Thumbnail of user stevens2965
Canada
1 review
0 helpful votes
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November 7th, 2022

They do not protect their customers. I bought cloths from a stie online and used afterpay. After months and months of emails to afterpay and even afterpay telling me they would refund the money they would not, Every other pay ap protects customers against fraud, they don't choose another pay option,

Products used:
I bought cloths through a site

Service
Value
Shipping
Returns
Quality

Date of experience: November 7, 2022

Thumbnail of user kaylak350
Texas
1 review
0 helpful votes
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May 31st, 2023

On 3/15/23, I informed Afterpay that a package was stolen and I have video proof that the package was stolen. I went to the actual company GOAT as well and let them know what happened. GOAT did not want to refund me because the package was already shipped and said delivered. Afterpay did not want to reimburse me either because of GOAT's decision. I went to my bank to dispute the credit and they stated my claim was denied because they don't protect consumers who pay with third parties. So, I'm out $200+ because Afterpay is a third party site. Please use PayPal instead.

Service
Value
Shipping
Returns
Quality

Date of experience: May 31, 2023

Thumbnail of user delh41
Canada
1 review
1 helpful vote
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May 24th, 2023

I would never recommend or use AfterPay again! My problem is to get my refund! I had to change my bank card because my card was compromised. Immediately I changed my banking information with Afterpay. Recently, I returned an item. Afterpay has refunded me 1 out of 4 payments to my new account number, and the remaining funds were deposited to my old card. It was mentioned I made the mistake and had to keep my information current with them. I repeated several times that it is and that they made the mistake. And I can't understandy why or how because my information is current. The last email from Afterpay is that I have to call the bank and ask for the funds! I cannot get through to them that I didn't make the mistake, and every email is telling me to seek additional help go to the help centre. And that's a joke! I cannot believe they can stay open and treat customers the way they do!

Tip for consumers:
Stop allowing Afterpay to continue

Products used:
shoes

Service
Value
Shipping
Returns
Quality

Date of experience: May 24, 2023

Thumbnail of user bettyw243
Illinois
2 reviews
6 helpful votes
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October 26th, 2020

I reached out with an inquiry about hardship assistance while briefly unable to work due to covid. They sent me to a collection agency. They didn't provide information about what they would do, there was no information given prior to them sending me to the collection agency, they just sent me. My account was only two days overdue. When I reached out to customer service they lied and said it wasn't a collection agency (it is and it is listed on their website as a debt collection agency). They didn't remove it when I told them to, when my account was in good standing. It was deceitful and shockingly vile way to treat a customer.

Date of experience: October 26, 2020

Thumbnail of user arelyz
Texas
1 review
3 helpful votes
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June 10th, 2022

I attempted to placed an order with Forever 21 but it never went through, yet Afterpay still charged me. I contacted both Forever 21 and Afterpay and they both told me there couldn't do anything about it. When i first contacted afterpay for a refund, they told me it would take 5 days. Then i contacted them after the 5 days and they told me it was actually 10 days, so again I waited. I once again contacted them and gave them all the information they had asked previously, the EXACT SAME INFO. They have the nerve to tell me that the order was actually placed on the 6th June and not the 24th of May (while i have literal screenshots and proof) and that it'll take longer to process. So now, I am stuck paying for dresses that i am never going to receive. Long story short, they just steal your money and do nothing to help you out, they just make excuses. I used to love afterpay but i think it's time to say goodbye.

Service
Value
Shipping
Returns
Quality

Date of experience: June 10, 2022

Thumbnail of user kimberlym2366
New York
1 review
1 helpful vote
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August 27th, 2022

Afterpay! I was dealing with them for 2 1/2 years. Payed Every 2 Weeks. Spending Limit went up, good for me right, WRONG! Just landed a new remote job, printer & computer big time part of job. So I made a last payment to Wayfair $13.27, for some reason the bank took a payment twice, but then returned it. I thought the payment went through. Untill email said payment was late. So email Afterpay right away They respond 3 days later, why have a chat window when NO ONE IS THERE TO CHAT BACK!? So spoke to Tamkia she said "They looked into it and I made 1 late payment so Afterpay lowered my credit $600.00 because of this, Why? Just when I needed them. 1 Payment and I emailed proof of payment on time, but made no difference.

Tip for consumers:
Don't Miss 1 Payment.

Products used:
Shoes, coat,dresses, cat clothes. Wayfair

Quality

Date of experience: August 27, 2022

Thumbnail of user forbidenjess
Australia
1 review
0 helpful votes
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May 12th, 2023

I recently lost my job, I contacted afterpay to put my account on hold whilst I gained other work, wich I quickly did. I paid off the outstanding amount quicker and sooner than the arranged payment plan. Then when I asked and my account restored and able to use it again, they then gave me a lowzy $100 on my account to be able to use. What a joke! Before contacting them and having the hold put on I had a spending limit of over #2000!
Never again will I attempt to do the right thing, especially not with this service

Service
Value
Shipping
Returns
Quality

Date of experience: May 12, 2023

Thumbnail of user cherylb2365
Michigan
1 review
0 helpful votes
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February 22nd, 2024

I linked my checking account so I could pay off a loan and they would not let me pay off my loan? What the ----?

Tip for consumers:
Afterpay is crazy!!!

Service
Value

Date of experience: February 22, 2024

Thumbnail of user ivyg58
Texas
1 review
1 helpful vote
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March 25th, 2022

Please, DO NOT go through Afterpay. I did my Christmas Shopping online back in November. It's now March 25th, and still no merchandise. I have spoken with the merchant AND Afterpay, and they both continue to place blame on each other. When I reached out to Afterpay, they specifically said there was nothing I could do and still took the $898 out of my bank account, despite disputing charges. Apparently, there is no resolution with them due to being the "third party." NY&Co (the merchant) issued one refund and Afterpay reversed it. I will be reporting this to the BBB with their emails and will NEVER do business with them again. Save yourselves the trouble and go with ZIP. They are much more helpful and great customer service.

Date of experience: March 25, 2022

Thumbnail of user kristenh402
Arkansas
1 review
2 helpful votes
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September 2nd, 2022

This company allows retailers that are scammers. I purchased a "Dyson -like" hairdryer/ air curler from a place called CURLY. And it arrived this super cheap plastic product that doesn't work. I sent the product back immediately with a shipping tracking and wrote CURLY to let them know I returned the product and then they stopped messaging. I've now been "in contact" with afterpay about it for 2 MONTHS! Even though they've seen proof my product has been returned to CURLY, they've continued to take each payment out and keep saying "we are still waiting to hear from the merchant".
When it comes to klarna and affirm, when they see you've returned a product, that company themselves refunds you immediately. Way more reputable and safe to borrow from.
Right now I have no product and am out $200 from AFTERPAY not taking responsibility from a horrible company.

Service
Value
Shipping
Returns
Quality

Date of experience: September 2, 2022

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