We’re proud to be creating financial freedom for all

Here's how

Founded five years ago in Sydney, Australia

  • Founded five years ago in Sydney, Australia, Afterpay has millions of global customers and tens of thousands merchant partners now using the platform globally across Australia, US, Canada, UK (where it is called Clearpay) and New Zealand. Afterpay’s global team is currently made up of more than 700 people and growing.

    Afterpay’s business model is completely free for customers who pay on time – helping people spend responsibly without incurring interest, fees or extended debt. Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases.

  • Afterpay is deeply committed to delivering positive outcomes for customers. The majority of Afterpay’s income is derived from merchants, rather than customers. If a customer misses a payment, they won’t be able to use Afterpay until the payments are up-to-date. Late payment fees are charged but are fixed, capped and do not accumulate over time. Customers are never entrapped in revolving debt and never incur interest. We are focused on supporting our community of shoppers. 

    We trust in the next generation and share a vision of a more accessible and sustainable world in which people are rewarded for doing the right thing. Afterpay’s mission is to power an economy in which everyone wins.

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  • Founded to empower customers.

    Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers.

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How Afterpay works

Afterpay it in 4. Always interest-free.

  • Step 1

    Split your purchase into 4 instalments

    Browse all your favourite places to shop online or in retail stores near you. Afterpay works online or in-store wherever you are used to shopping.

  • Step 2

    No fees when you pay on time

    Choose Afterpay as your checkout payment method when it’s time. Always zero interest, never additional fees when you pay on time.

  • Step 3

    Enjoy instant approval decision

    Instantly create your account and finish the purchase with ease. You’ll know if you’re approved instantly and your order will ship as usual.