How to set up your account for what stores can I use Afterpay
If you're wondering what stores you can use Afterpay at, you first need to access your payment details from inside the app. After you log in, tap the card icon on the home screen to see my Afterpay card number. This virtual card number is linked directly to your Afterpay account.
You can then choose to add Afterpay to my wallet. Open your phone's digital wallet app and follow the prompts. This lets you tap to pay in physical stores that accept Afterpay.
If you prefer not to use a wallet, the app itself lets you get a virtual card on Afterpay. It works for online checkout at eligible retailers.
Before you head to a store or start filling a cart, double-check that the merchant is listed in Afterpay's shop directory. If it isn't, the card won't process.
If you run into trouble during setup, the most common reason you might wonder wont Afterpay accept my card is that your account has a remaining balance, a spending limit has been reached, or the store simply isn't a partner. Resolve those issues first by paying down your balance or confirming the store in the app, and your card will be ready to use.
Unlike many credit cards, Afterpay does not charge interest on purchases. Late fees may apply for missed payments.
Managing your payments and orders
To keep your shopping running smoothly, start by knowing where you stand financially. You can check my Afterpay balance directly in the app. This shows your remaining spending power so you don't hit a decline at checkout.
It's also important to understand your Afterpay open order limit. Hitting that limit means you'll need to finish paying for something before starting a new purchase.
Afterpay is a buy now, pay later platform that integrates directly with your existing debit card to let you pay in four interest-free installments at partner stores online and in-store. With the invite-only Afterpay Plus Card, you can also pay almost anywhere Apple Pay, Google Pay, or Samsung Pay is accepted.
If a payment is sneaking up on an inconvenient day, you can change payment date on Afterpay to a later one that fits your pay cycle better. Just be aware that shifting a date may alter your overall schedule. While Afterpay is designed for purchases, you cannot get cash with Afterpay. It's strictly a payment plan for goods from partner stores, not a cash advance service.
To track everything, open the app's "Orders" tab. Each open order shows the next installment due and the items you've bought. If an order seems stuck or you need to update your card, the same screen lets you manage those details. Checking these settings regularly prevents surprises and keeps you shopping within your limits, whether you're buying clothes, electronics, or home goods.
Shopping at specific retailers
If a store isn’t in the main Afterpay directory, you still have options. The path varies by retailer. For example, you can use Afterpay on Cash App by using the Afterpay app to generate a single-use payment card and then entering that card details as a payment method inside the Cash App. This then lets you pay at any merchant that accepts Cash App payments, not just Afterpay partners.
To get walmart on Afterpay, you cannot do it through Walmart’s website directly. Instead, you must buy a Walmart gift card inside the Afterpay app and then use that card to check out at Walmart.com.
Similarly, to use Afterpay on old navy, you need to open the Afterpay app, find Old Navy in the store directory, and complete your purchase there. Old Navy’s own site won’t accept an Afterpay virtual card at checkout. For electronics, you can use Afterpay on best buy by searching for Best Buy inside the Afterpay app and purchasing through that portal. This generates a one-time payment card for the exact order amount.
In every case, the rule is the same: if the store isn’t listed in the Afterpay app, you cannot use Afterpay there directly, even with a virtual card number. Always check the app first before hunting for workarounds. Afterpay's Single-Use Payment feature lets you generate a single-use virtual card inside the app that locks to the exact order total at an unlisted retailer.
Using Afterpay in less obvious places
Afterpay works differently at gas stations and travel sites than it does at clothing or electronics stores. You won't find an Afterpay button at the pump or on an airline's checkout page. Instead, you must buy a gift card for the specific gas station or travel provider through the Afterpay app's shop directory, unless you have the Afterpay Plus Card which can be used almost anywhere digital wallets are accepted.
For example, to fill up your car, you need to search the app for gas stations that accept Afterpay, purchase a digital gift card for that station, and then present the card's barcode at the register or pump. The same logic applies to booking a flight or hotel. You look up travel sites that use Afterpay within the app, buy a gift card for that site, and then use that gift card's code as your payment method on the travel site.
This two-step process works for standard Afterpay users because Afterpay does not give you a virtual card number you could swipe anywhere without the Afterpay Plus Card; the gift card acts as the bridge.
Always check the app first. If the gas station or travel site isn't listed in the shop directory, there is no way to use Afterpay there with a standard account, even if you find a third-party reseller offering gift cards, unless you have the Afterpay Plus Card.
