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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)

Rating

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Reviews that mention popular keywords

customer service (55) spending limit (15)
Thumbnail of user cale10
Australia
1 review
3 helpful votes
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July 19th, 2022

Smaller online scams have been using the platform to steal funds and because of AfterPay's policy if they do not report a refund or return they will keep your money despite not sending a product.

Customer support form AfterPay is abysmal and there is no phone contact.

Tip for consumers:
Buyer beware only use trusted retailers, no online sites you haven't heard of.

Products used:
Attempted to purchase sportswatch

Service
Value
Shipping
Returns
Quality

Date of experience: July 19, 2022

Thumbnail of user karenb4505
California
1 review
0 helpful votes
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April 10th, 2023

Oh well, I've worked hard to improve my credit score and you still won't give me more than 100.00 in credit, so what good are you to me.?
I'm not recommending you to anyone and, am not giving any good reviews for your app. I had one payment 1 time be a day or two late on my 1st payment to u guys because I forgot about it, because it was the very 1st ever pmnt to a co. I had never used before. For that you took all my available credit, over 700.00 from me, and have not given me more than 100.00 since then.
If that's how you treat your customers, I don't need to use your services again.
Terrible co. Awful service.
Thanks,
Karen Bryan

Tip for consumers:
That they will take away all your available credit if you have 1 late payment, even if it is just 1day late.

Products used:
Several

Service
Value

Date of experience: April 10, 2023

Thumbnail of user sharas33
Virginia
1 review
7 helpful votes
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November 22nd, 2022

I've been trying to communicate via email with AfterPay for several days (since there's no phone number) and they act like they don't understand you, it's super difficult to get a logic response from them and I'm still waiting for a refund that they don't have any intentions in return. Everything is good until you have an issue, from then you are in your own. I have experienced really bad customer service in my life but I never thought that dealing with AfterPay was the lowest I could get. Avoid this company. Don't do it, it's not worth it.

Date of experience: November 22, 2022

Thumbnail of user charlottea354
Minnesota
1 review
0 helpful votes
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May 19th, 2023

I have been going backwards and forwards with Afterpay trying to get my refund. I did an in-store return. I attached receipt and Afterpay still will not refund my money. The associate at Ashley Stewart had me to double click on AfterPay to initiate return/refund. I am still being charged for an item which I do not have. AfterPay is telling me oh it was issued to your card ending 5670. I'm like I don't have a credit card ending numbers. A credit card like display appeared on the Afterpay app.

Once I get these items paid, I will not be using AfterPay no time soon. Their customer service is ridiculous…absolutely horrible. Take my advice "Don't fall for the scam…buy now pay later. They got that right you will pay later. Please steer clear. Use Klarna instead.

Tip for consumers:
Buyer beware a bought lesson is a well taught lesson. If you don’t have the money to give away, I advise you not to use Afterpay

Service
Returns

Date of experience: May 19, 2023

Thumbnail of user emilia.ramos327
New Jersey
1 review
10 helpful votes
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August 11th, 2023

If I could leave afterpay a zero rating I would! Beware, they steal your money! You can't call them, you can only email them. After sending numerous emails that's when someone finally calls you. By the way every person I spoke to sounds like a robot. Spoke to 3 representatives. Nothing was resolved! Worse experience ever as a first time afterpay user! Never again will I use them! They suck! Want my advice use your credit card or debit card!

Service
Value
Shipping
Returns
Quality

Date of experience: August 11, 2023

Thumbnail of user geneb322
Michigan
1 review
9 helpful votes
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March 19th, 2023

Everything was going well initially. No issues ever with purchase and all payments were paid on time. I attempted to make an in store purchase at Best Buy. Line of credit was showing over 1700 dollars. Afterpay declined my payment at checkout. I contacted support and was informed that they can decline payments as they see fit regardless if I have enough credit available. This is when I realized the line of credit they give you means nothing, is misleading and inflated. Sticking with Klarna.

Service

Date of experience: March 19, 2023

Thumbnail of user bernards254
Ohio
1 review
0 helpful votes
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April 4th, 2023

2 months and no refund yet. Don't take phone calls only emails.
A refund was issued by Skechers to Afterpay on 01/26/23, since Afterpay is the original payment method listed for Order #*******. This was in the amount of $99.74.

Service
Value

Date of experience: April 4, 2023

Thumbnail of user ellec42
Australia
1 review
2 helpful votes
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December 10th, 2022

This product is a joke. Instore card purchase doesn't work half the time. Was late on one payment a few days while on a cruise and had account reduced from $500 to $100 but still charged a hefty late fee.
These grubs are in business to rip of struggling people I think. I had money to pay them and was not even contacted. Can't complain to support without needing to fill out a hardship form. What a disgrace. There are better products out there. Stay away from these crooks.

Tip for consumers:
Don't use them!

Products used:
Afterpay

Service
Value

Date of experience: December 10, 2022

Thumbnail of user horacem34
Michigan
2 reviews
5 helpful votes
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August 24th, 2022
Verified purchase

My card got stolen and the payment was rejected. I have been trying to change the payment method, but cannot login without the stolen card. No support, no response, no telephone number to contact, no way to pay. I will pay the full amount and cancel the account as soon as I manage to contact them in some way.

Absolutely horrible customer support and dangerously irresponsible account management. They probably make more money by forcing accounts into collections!

You're going to suffer unless you, "Stay away from Afterpay!"

Tip for consumers:
Avoid this service if possible. Service is good as long as there is not a problem that requires them to respond.

Products used:
Afterpay for shopping at Nordstrom online.

Service
Value
Quality

Date of experience: August 24, 2022

Thumbnail of user angelam3189
Australia
1 review
5 helpful votes
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November 22nd, 2023

Afterpay designs their app so when you click to pay in store you can unintentionally activate an afterpay card where they charge you 9.99 per month. I immediately realised this cancelled it and contacted afterpay, they refused the refund, very dodgy company designs the app so you can easily click 1 button and a random card is activated with ongoing fees, they are scammers

Service
Value
Shipping
Returns
Quality

Date of experience: November 22, 2023

Thumbnail of user shellyw198
Australia
2 reviews
5 helpful votes
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April 13th, 2022

If I could give a score of less than 1 star I would. After having my account hacked from an afterpay text message and then the details of my account changed they were unable to rectify it even though they had my details still. Only having email contact for issues when situations are time poor is absurd. Taking days to respond to emails is ridiculous.

Date of experience: April 13, 2022

Thumbnail of user mackenziet41
North Carolina
1 review
7 helpful votes
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March 21st, 2023

My friends and I accounts were changed all because of 1 late payment that was 2 days late. When she requested to talk to someone. The person was not helpful at all and they truly do not care about anyone. They make up reasons and really not a good payment app to use. They will make you go through all these loops just to get your spending balance up just to take it away from you. Especially after you change you password, weird right. We know! So $#*! AFTERPAY

Service
Value
Shipping
Returns
Quality

Date of experience: March 21, 2023

Thumbnail of user annb1618
North Carolina
1 review
0 helpful votes
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November 27th, 2022
Verified purchase

I have only been a customer a short time. For the short time it's has not been good. I wanted to make a purchase from one of the supposed companies on the website. Opted for the payment plan. And the whole amount was take. I wanted to know why tried to call and acted like they didn't understand.gave all the information they wanted and nothing was ever resolved. I will not deal with company. Also when you want to ask a question. They want your date of birth. And unnecessary information to ask a simple question. That should raise a red flag! Stay away from this company!

Tip for consumers:
Beware make sure the company is on afterpay website. It was listed and i was not given option of the payment plan.

Products used:
What I purchased

Date of experience: November 27, 2022

Thumbnail of user vellab2
Missouri
1 review
1 helpful vote
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January 31st, 2023

I missed one payment and my credit was kicked down to 50 dollars. All of my other payments were paid on time. But that didn't matter so with that being said I made my last payment and closed my account. So if your trying to be a good customer and do your best to make on time payments don't waste your time. Cause it won't count for anything.

Products used:
Bedset

Value
Shipping
Returns
Quality

Date of experience: January 31, 2023

Thumbnail of user shaen
Alabama
1 review
6 helpful votes
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July 18th, 2022

Thinking this was the same as Klarna, I signed up for this service.

They turned me down after asking a few questions that were supposed to verify my identity (past addresses, etc)…(they blamed the store as being unable to fill my order). But then withdrew the first payment and are still trying to withdraw from my bank account.

I was forced to cancel my bank card and get a new one. My bank is investigating and I am hoping to get my money back.

Do not be swindled by this scam…use Klarna.

S

Date of experience: July 18, 2022

Thumbnail of user lillianr175
Pennsylvania
1 review
0 helpful votes
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August 8th, 2023

When your gift doesn't fill your recipient expectations and you contact customer service and the only answer they have is we are sorry but there's nothing we can do, the good news is that
You don't need to use your Gift Card right away! Most Gift Cards have a validity of 12-36 months so you can wait to use your Gift Card.
Thank you for your patience and we sincerely apologize for any inconvenience this has brought you. Then you learn that is a bad a choice to buy a gift card as they only care about sell. Horrible experience with this marketplace. I do not recommend this headache to any other customer.Save time and save headaches, better choice is to give the money directly to the person so they can buy whatever they want.

Tip for consumers:
When your gift doesn't fill your recipient expectations and you contact customer service and the only answer they have is we are sorry but there's nothing we can do , the good news is that
you don’t need to use your Gift Card right away! Most Gift Cards have a validity of 12-36 months so you can wait to use your Gift Card.
Thank you for your patience and we sincerely apologize for any inconvenience this has brought you. Then you learn that is a bad a choice to buy a gift card .

Products used:
No use for the gift card , the gift card was for online store and the physical store is way to far away . AfterPay it won't cancel or give you another choice . You have to pay even if you don't use the gift card . Save time , save headaches , better choice is to give money so they can buy whatever the want .

Service
Value
Shipping
Returns
Quality

Date of experience: August 8, 2023

Thumbnail of user natalieb797
Michigan
1 review
0 helpful votes
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January 19th, 2023

Terrible company I have always paid my orders I have had some late some paid early been a customer for all most 2 years again I state they always get paid they took me from 1600 limit to 50 whatever! But I went to buy something that was total 50.88 and they denied it I always pay so I give them a zero..

Tip for consumers:
Don't they are awful

Products used:
Many

Service
Shipping
Returns
Quality

Date of experience: January 19, 2023

Thumbnail of user debbiej516
Pennsylvania
2 reviews
1 helpful vote
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December 9th, 2023

I signed up with Afterpay about three maybe even more years ago because I received a message from them stating they was offering me a $600 spending limit. That but now pay later prank for most. Well until today I have never been approved for anything. They actually offered $0 limit. Maybe I'm doing the directions wrong I don't know. I gave up came back, forgot remembered checked again. Afterpay you fooled me for way too long. Next time I uninstall the app I won't reinstall anymore. Enough is enough. Getting people attention with the $600 u can never actually access. Ima read some reviews to understand if anyone in the world accessed there spending no spending limit

Tip for consumers:
Update and upgrade the entire system idea function of the program. Or better yet stay out of my inbox pretty pleaseee

Products used:
No products was used while accessing after pay website just a offer that never offered anything

Service
Value
Quality

Date of experience: December 9, 2023

Thumbnail of user swissb60
Canada
1 review
1 helpful vote
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April 16th, 2023
Verified purchase

After pay, don't give sh*t about the customer. I have made multiple purchases using this service. VERY BAD idea. Since 2022 my refunds have been pending. I only noticed this because of something else, and I was checking my bank transactions and realized that I had never gotten a refund from them. When I reached out, they told me that the vendor did not issue the refund. That's when I asked, so how did afterpay send me a refund confirmation? They did not answer, and what made it worse is that they are telling me they can't see all my refunds even though I have proof.

Customer service su*cks
Service overall is terrible
And they don't care if you get your items are not

I will never use their service again, and I want my money.

Look at my attachment all debit no credit!

Service
Value
Shipping
Returns
Quality

Date of experience: April 16, 2023

Thumbnail of user mo220
Montana
1 review
1 helpful vote
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September 20th, 2022

I paid literally every payment on time but they constantly deny me the ability to purchase items. They say my credit limit is $1200 but never allow me to purchase over $300. Their site is fraudulent and needs to be taken down

Tip for consumers:
Buyer beware. They promise alot and do not deliver especially to great customers

Products used:
Shoes, clothes, makeup, toys

Date of experience: September 20, 2022

Thumbnail of user deborahr321
New York
2 reviews
8 helpful votes
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July 3rd, 2023

This app took my first form of payment for the first payment and then told me on the second payment that my source of payment was denied and then went into the site and put in three more credit cards all of them denied even though they're working everywhere else.

I have tried to contact this app with absolutely no luck every question an email with absolutely no reply there's no one that will talk to you and there's no way to get a hold of anyone.

I am now and have been receiving late notices late fees and still no one has contacted me. I would give this app no stars but there's no way to do that.

Don't get caught up in their stupidity if they can't have a customer service center they don't need to be doing business with the public

Date of experience: July 3, 2023

Thumbnail of user richardo1400
Georgia
1 review
5 helpful votes
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January 1st, 2023
Verified purchase

Afterpay isn't vetting their merchants. They are processing payments for websites that pop up and shut down in a matter of days. Example is sablehubs.com. I ordered a WInch through sablehubs.com and afterpay was the only payment method. The site is now gone, I never received shipping confirmation or the merchandise and it's been 16 days past the original delivery estimate date. Afterpay requires that I request a refund from the merchant but of course there is no merchant any more and Afterpay is perfectly fine with continuing to take payments from me. Not that it's any easier to contact afterpay than a website that has disappeared. There's no actual contact information anywhere on the afterpay website. You just have to file a dispute and wait for an email or phone call that thus far hasn't come. Plenty of automated messages but thus far no actual communication with a person. DO NOT USE AFTERPAY.

Tip for consumers:
Don't use afterpay. They don't vet the merchants to ensure the legitimacy of the company or product and are known as a route for scammers to process funds.

Products used:
It's a financing company that pays any merchant or scammer and collects from their intended customer and/or target.

Service
Value
Returns
Quality

Date of experience: January 1, 2023

Thumbnail of user michaelg5460
New Jersey
1 review
2 helpful votes
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December 24th, 2022

This afterpay is a scam. They will charge your credit card twice. One under the afterpay charge and the other under the merchant name... i don't know how the hell the secret service and the attorney general haven't caught these thieves. They are probably from another country. Contact your bank if you did any business with these clowns. Also the have a fake telephone with a message stating to contact them via email..

Tip for consumers:
They don't do a credit check so that explains why the scam people.. If it's too good be true it's a scam

Products used:
None as I never received my order

Service
Value
Shipping
Returns
Quality

Date of experience: December 24, 2022

Thumbnail of user genos10
Maryland
3 reviews
5 helpful votes
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August 23rd, 2022

Do not use afterpay and cancel a order they will refund you half your money. I used them for Walmart and my down payment was $83.10 and they refund me $47.10 where is the rest of my money. So if you can avoid them

Service
Value
Shipping
Returns
Quality

Date of experience: August 23, 2022

Thumbnail of user judyh1277
Canada
2 reviews
1 helpful vote
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September 28th, 2022

I placed an order with a company and applied for afterpay (the site worked out to be a scam.) First the charges went through afterpay before the order was complete and again through my credit card when I finalized the order. I have tried giving AfterPay the information they require several times and we keep going around in circles. Can't reach anyone by phone. Bottom line I have given up! I still have not received the item I purchased and the website now is down. BTW my credit card immediately reversed the charges.

Service
Returns
Quality

Date of experience: September 28, 2022

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