Can You Use Afterpay on Amazon: Best Alternative

As of 2024, the direct answer to this question is: No, Amazon does not officially accept Afterpay as a payment method. However, don’t let this discourage you. There are alternative methods to achieve similar payment flexibility while shopping on Amazon.

If you frequently shop on Amazon, you might have noticed that Afterpay, a popular payment method, is not supported by the online retailer. Although Amazon does not directly accept Afterpay, there are two alternative methods you can utilize to pay for your Amazon purchases using Afterpay: single-use payments and Amazon gift cards. To gain more insights on this topic, continue reading this article.

What is Afterpay?

Before going to our topic, can you use Afterpay on Amazon or not? Let’s understand that Afterpay is a payment service that allows you to make purchases and pay for them in four equal installments, due every two weeks. It’s a convenient option for those who want to spread out their payments over a short period without incurring interest.

Can You Use Afterpay on Amazon?

In technical terms, Amazon does not directly accept Afterpay as a payment method, and it is not possible to use Afterpay for purchases made on their website. However, there are workarounds available through integration with the Afterpay app, enabling the use of Afterpay on Amazon. Two primary payment options are available: a one-time-use credit card and a gift card.

Things You Should Know: Before, can you use Afterpay on Amazon or not? 
  • Shopping directly on the Afterpay app allows you to purchase Amazon items using a single-use payment, which works similarly to a regular Afterpay payment.
  • It is important not to set your Afterpay single-use payment as the default payment method on Amazon. Otherwise, your next Amazon purchase may be declined.
  • While some users have the option to buy Amazon gift cards through Afterpay, availability may vary depending on your location or the age of your Afterpay account.

Alternative Methods to Use Similar Services on Amazon:

However, currently, the answer to “Can you use Afterpay on Amazon?” is no. Amazon does not directly accept Afterpay as a payment method. This might lead to some disappointment for those who prefer the flexibility that Afterpay provides, but there are some alternative ways to use similar services, including:

Amazon’s Financing Options: Can You Use Afterpay on Amazon

  • Amazon Store Card and Amazon Credit Builder: These offer special financing options on eligible purchases, allowing you to pay over time, often with promotional interest rates.
  • Amazon Pay Later: In some regions, Amazon offers a service called Amazon Pay Later, which lets you make purchases instantly and pay for them in the following month or EMIs spread over a few months.

Third-Party ‘Buy Now, Pay Later’ Services:

  • While Afterpay is not accepted, services like Klarna and Affirm can sometimes be used for Amazon purchases. These services allow you to make a purchase and then repay it in installments, similar to Afterpay.
  • Using Klarna or Affirm with Amazon: You might be able to use these services by applying their virtual one-time-use cards as your payment method on Amazon.

Steps to Use Alternative ‘Buy Now, Pay Later’ Services:

While “Can you use Afterpay on Amazon?” is a relevant inquiry, it’s essential to look at the variety of alternative payment methods that Amazon offers.

  1. Sign Up for the Service: Register with a service like Klarna or Affirm by downloading their app or visiting their website.
  2. Apply for a Virtual Card: These services often provide a virtual card that you can use for online shopping.
  3. Shop on Amazon: Add items to your cart on Amazon as usual.
  4. Use the Virtual Card at Checkout: When checking out on Amazon, use the virtual card details provided by Klarna or Affirm as your payment method.
  5. Follow the Repayment Plan: Adhere to the installment plan set by the service you are using.

Can You Use Afterpay on Amazon Important Considerations:

  • Budgeting: Always ensure you can comfortably afford the repayments before opting for any ‘buy now, pay later’ service.
  • Interest and Fees: Be aware of any potential interest rates or fees that might apply if you miss a payment.
  • Credit Score Impact: Late payments or defaults on ‘buy now, pay later’ services can affect your credit score.
  • Service Availability: The availability of services like Klarna, Affirm, or Amazon Pay Later may vary depending on your location.

By exploring these alternatives, you can mimic the Afterpay experience on Amazon, enjoying the flexibility of splitting your payments over time. Always read the terms and conditions carefully, and choose the option that best suits your financial situation.

How can you use Afterpay on Amazon Benefits?

Afterpay offers a convenient and flexible payment option, instant approval, payment splitting, automatic deductions, and a zero-interest model, making it an attractive choice for consumers seeking a more manageable and responsible way to make purchases.

Benefits for consumers include:

  1. Alternative payment method: Afterpay provides a deferred payment plan instead of an upfront payment, allowing consumers to select it as an option at the checkout point.
  2. Instant approval process: Afterpay conducts a swift review of eligibility based on criteria such as repayment history and current purchase amount, providing near-instantaneous approval without lengthy credit checks or paperwork.
  3. Payment splitting: The total purchase value is divided into four equal installments, with the first payment due immediately and the remaining three scheduled over the following six weeks. This helps consumers budget effectively and avoid overspending.
  4. Automatic deductions: Afterpay automatically deducts payments from the consumer’s nominated bank account on specified due dates, eliminating the need for manual processes or remembering payment dates.
  5. Zero interest: As long as consumers adhere to the payment schedule, Afterpay charges no interest. This differs from traditional credit cards and promotes responsible spending habits.

Can you use Afterpay on Amazon Benefits as a merchant?

Can You Use Afterpay on Amazon?

Alternative Payment Methods Similar to Afterpay on Amazon

  1. Amazon’s Special Financing Offers: Amazon provides special financing options through Amazon Store Cards or Amazon Credit Builder. These options offer deferred interest financing on eligible purchases.
  2. Credit Card Installment Plans: Many credit card companies offer installment plans that mimic Afterpay’s functionality. Check to see if your credit card has this feature.
  3. Amazon Pay Later: In some regions, Amazon offers “Amazon Pay Later,” a program that lets you purchase now and pay over time.
  4. Third-Party Credit Services: Services like Klarna and Affirm also offer buy now, pay later options and can sometimes be used indirectly to make Amazon purchases.

Why doesn’t Amazon Accept Afterpay?

can you use Afterpay on Amazon

Amazon strives to provide a seamless shopping experience and has its own set of payment methods and financing options. The platform has likely weighed the benefits and complexities of integrating external services like Afterpay and chosen to offer alternatives that align more closely with its business model.

Tips for Managing Online Payments

  1. Budget Wisely: Regardless of the payment method, it’s important to budget and ensure you can comfortably make the payments.
  2. Understand Terms and Conditions: Always read the terms and conditions of any financing or installment plan.
  3. Check for Hidden Fees: Some services may have late fees or other hidden charges.

While you cannot directly use Afterpay on Amazon as of now, there are several alternative methods to achieve flexible payments. It’s always recommended to choose the option that best suits your financial situation and to shop responsibly.

Engage with the Community

Do you have experience with using alternative payment methods on Amazon? Share your experiences and tips in the comments below to help fellow shoppers navigate this aspect of online shopping!


Can you use Afterpay on the Amazon app?

The Afterpay app provides the option to shop on Amazon and make payments using a single-use payment method.

Single-Use Payment

With single-use payments, you can shop at retailers like Amazon that do not typically accept Afterpay and still enjoy the convenience of paying in interest-free installments over six weeks.

  • Navigate to the Shop tab and select Amazon.
  • Shop on Amazon and add products to your cart.
  • Confirm your contact details and shipping address.
Confirm your contact details and shipping address.
  • If you have previously used different payment methods on your Amazon account, you need to select “Payment method” and then click on “+ Add new” in the upper right-hand corner to access the option to add a credit or debit card.
  • Make sure that the default payment method box is not checked. If it is checked, Amazon will attempt to use the details of the single-use payment for your next purchase, which will result in the payment being declined.
  1. Tap the Buy now, pay later button.
  2. Tap the yellow Add and Continue button at the bottom of the screen.
  3. Place your order.

After your order has been successfully processed, it is advisable to remove the payment details from your Amazon account to ensure they are not inadvertently used for future transactions. Keeping the payment details on your account may result in the order being declined if they are mistakenly used again. Therefore, it is recommended to remove the payment details as a precautionary measure.

Can you use Afterpay on Amazon for a gift card?

The availability of Amazon gift cards through Afterpay may be restricted for brand new customers, individuals with inconsistent repayment histories on Afterpay, or those who are not part of the Pulse Rewards program. It is important to note that Amazon gift cards may not be accessible in all markets or at all times through Afterpay. Availability may vary depending on your location and other factors.

On Afterpay, it is possible to purchase gift cards, including Amazon gift cards, which can be utilized as a form of payment at designated retailers. Afterpay offers Amazon gift cards ranging from $5 to $500 in value. These gift cards can be used similarly to cash when making purchases on Amazon.

To use an Amazon gift card with Afterpay, follow these steps:

  1. Purchase an Amazon gift card of your desired amount, which will be delivered to your email digitally.
  2. Visit Amazon and add items to your cart as you typically would.
  3. Proceed to checkout with your selected items and navigate through the payment screen.
  4. When prompted for the payment method, choose “Enter a gift card or promotional code.”
  5. Enter the Amazon gift card number provided in the designated field.
  6. Finalize your order on Amazon, and they will process and ship your items.
  7. Remember that you are responsible for paying off the amount of the gift card to Afterpay according to their repayment terms.

Can you use Afterpay on Amazon Prime?
While Amazon does not accept Afterpay as a direct payment method, there may be workarounds available, such as using a single-use payment or purchasing Amazon gift cards through Afterpay. However, it’s essential to note that these methods may not be specifically tailored for Amazon Prime subscriptions.

Can you use Afterpay on Amazon Australia?

Afterpay, an Australian startup, has quickly revolutionized consumer finance and created a global industry in just a few years. It introduced the concept of splitting payments into four installments, allowing customers to shop online and manage their budgets without relying on credit cards. The retailer bears the cost of this service. Afterpay has significantly impacted shopping habits, customer acquisition strategies for various businesses, and the valuation of companies.

The book “Buy Now, Pay Later” provides an inside look into Afterpay’s founding, rapid growth, and the intricate web of relationships that supported its financing. It also explores how the company navigated regulatory challenges and the concerns raised about its potential impact on young people’s debt.

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