# Afterpay — Payment Provider

One of the pioneers of buy now, pay later, now owned by Block (Square) and integrated with Cash App. Afterpay offers interest-free pay-in-4 installments and longer-term payment plans, available at thousands of retailers in the US, UK, Australia, and New Zealand. Popular for its consumer-friendly approach with no interest and no credit score impact.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** BNPL Pioneer
- **Fees:** 4-6% + $0.30 per transaction; rates vary by merchant agreement and volume
- **Fee model:** custom
- **Headquarters:** Melbourne, Australia
- **Founded:** 2014
- **Settlement time:** 1–5 business days
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** traditional
- **Regions:** europe, north-america, oceania
- **Countries served:** 5 (AU, CA, GB, NZ, US)
- **Payment methods:** afterpay, amex, bnpl, digital_wallet, installments, mastercard, visa
- **Features:** instant-payout, recurring-payments, startup-friendly
- **Platforms:** mobile, online
- **SDKs:** android, ios, java, javascript, node, php, python, ruby
- **API docs:** https://developers.afterpay.com/

## Legal & compliance

2 legal entities · regulated in 3 jurisdictions on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/afterpay#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=afterpay&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/afterpay

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)