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Gain access to shoppers on Afterpay / Clearpay
Afterpay (Clearpay in the UK) is a buy now, pay later (BNPL) payment method provider servicing shoppers in AU, UK, CA, US, and NZ. Afterpay allows shoppers to register their Visa or Mastercard-issued credit and debit cards, bank accounts, or digital payments (such as Apple Pay and Google Pay) and complete purchases with Pay in 4 or Monthly Installments. As of 2023, Afterpay is the most popular BNPL method in AU and NZ, and the second most popular in the US by user counts.
Payment method properties
| Features | Afterpay / Clearpay |
|---|---|
| Payment type | Buy Now Pay Later |
| Available for businesses registered in | AU, CN, HK, NZ, US, UK |
| Activation time for onboarding | Instant - 7 days |
| Shopper regions (typically used by payers from) | AU, NZ, CA, US, UK |
| Presentment currencies* | Dependent on where your business is registered: HK/CN registered: AUD, NZD, CAD, USD, and GBP NZ registered: NZD AU registered: AUD UK registered: GBP US registered: USD * Regardless of your business registration region, you can acquire from Afterpay shoppers globally. In each region, the shopper can only pay in their region’s local currency. For payments not priced in the shopper's local currency, Afterpay will convert the specified processing currency to the shopper's local currency. |
| Settlement currencies | Dependent on where your business is registered: HK/CN registered: AUD, NZD, CAD, USD, and GBP will be settled like-for-like or in your default settlement currency if your account does not support settling the processing currency. NZ registered: All payments will be settled in NZD. AU registered: All payments will be settled in AUD. UK registered: All payments will be settled in GBP. US registered: All payments will be settled in USD. |
| Settlement schedule | 1 business day after payment capture |
| Transaction limits | Dependent on the presentment currency. See table below. |
| Checkout session timeout | 3 hours |
| Recurring payments | ? |
| Refunds | ? within 120 days |
| Partial refunds | ? within 120 days |
| Disputes (chargebacks) | ? |
| Placing a hold (delayed/manual capture) | ? |
| Descriptor (what the payer will see in their transaction history) | Your registered business name |
| Payments for Platforms support | ? |
Transaction Limits
| Presentment currency | Pay in 4 | Monthly installments |
|---|---|---|
| USD | 1.00 - 2,000 USD | 400 - 4,000 USD |
| GB | 1.00 - 1,200 GBP | Not available |
| AUD | 1.00 - 2,000 AUD | Not available |
| NZD | 1.00 - 2,000 NZD | Not available |
| CAD | 1.00 - 2,000 CAD | Not available |
Choose the integration method that best suits your needs
Airwallex has built a range of client-side integration methods that allow you to manage your UI, minimize your implementation effort, and allow you to get to market quickly.
| Online payments via your own website/app | Online payments via ecommerce plugins | Payment links & Invoice Integrations |
|---|---|---|
| ? Hosted Payment Page ? Drop-in Element ? Embedded Elements ? Mobile SDK ? Native API ? Subscription APIs |
? Shopify ? WooCommerce ? Shopline ? ShopLazza ? Magento |
? Payment Links ? Xero Invoice |
Manual capture Afterpay payments
Manual capture allows you to capture the fund sometime after the payment authentication. If the goods or services you provide are not immediately fulfilled after payment, manual capture is strongly recommended to improve the customer experience and reduce the dispute rate.
Afterpay manual capture is only available if you integrate with Native API or Plugins .
By default, manual capture is not enabled. If you integrate using Native API, you can specify manual capture at a transaction level directly when calling the Confirm a Payment Intent API API :
After you ship the goods or services to your customers, you must manually capture Afterpay payments within 13 days after authorization. You can do this through the web app or API call API. If the manual capture is not performed within 13 days, the authorization will expire.
If you are using the Shopify Plugin, manual capture is configured on the Shopify store level, which will apply to Afterpay and all other payment methods. If you enable manual capture, only payment methods that support manual capture, such as Cards and Klarna, will be available to the shoppers.
Manage Afterpay disputes
A customer can raise a dispute within 120 days of the original transaction. The best way to resolve the dispute is to communicate directly with your customer to try and solve the issue together. If you can’t reach a solution, then Afterpay would step in to help solve the dispute. See Afterpay’s dispute flow for more details and instructions on handling Afterpay disputes.
Utilize Afterpay On-Site Messaging (OSM)
OSM is a customized promotional information tool. After integrating Afterpay OSM into your website or mobile app, shoppers can find Afterpay's flexible payment options at checkout. OSM is a great way to inform shoppers about these payment benefits in advance.
To enable OSM on your website or mobile app, please contact your Airwallex account manager or [email protected]. If you are an API merchant, please refer to Afterpay's guide on installation and customizations. If you are a Shopify merchant, please follow Afterpay's guide on installing the OSM app.