How to Use Afterpay to Pay In-Store + Quick Fixes

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Pay with Afterpay during checkout with this easy guide

Co-authored by Rain Kengly Reviewed by Stan Kats

Last Updated: December 18, 2024 Fact Checked

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Using Afterpay

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Troubleshooting Afterpay

Did you know you can use Afterpay in physical stores like Target and Walmart? As long as Afterpay is an accepted payment method, you can use your digital Card to check out. Here's how to use Afterpay in store using your iPhone or Android device.

Setting Up Afterpay

To use Afterpay in-store, create an account and set up your Afterpay Card. Add it to your digital wallet.
When checking out at a store, use your Apple Pay or Google Pay with the Afterpay Card.
If Afterpay isn't working, make sure your account is verified.

Section 1 of 2:

Using Afterpay

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Afterpay is available is available for iOS in the App Store and for Android in the Google Play Store.^{[1]
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2
Create an account. If you don't already have an account, you'll need to make one. This is how you'll manage your payments and transactions.
- You may need to verify your account with a phone number.
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3
Set up the Afterpay Card. This needs to be done in the Afterpay app.^{[2]
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- Open the Afterpay app.
- Tap In-Store.
- Tap Pay in store.
- Tap Setup the card.
- Follow the on-screen instructions.
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Add the Afterpay Card to your digital wallet. You can do this within the Afterpay app. Do the following:
- Tap Card.
- Tap Add to wallet.
- Enter the verification code if necessary.
- Tap Next.
- The card will be added to Apple Wallet or Google Wallet.
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Use your digital wallet to pay in-store. When you're at the check-out lanes, you'll need to open your digital wallet app to pay. This will be Apple Pay (iOS) or Google Pay (Android).
- Follow the prompt on the card reader to use your digital wallet.
- Keep in mind you must have 25% of the purchase price available in your account balance for the transaction to be approved.
To avoid extra charges, make sure to pay on time. You can find and pay your balance within the Afterpay app.

Section 2 of 2:

Troubleshooting Afterpay

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If you have an older device or software version, you may not have the capability to add cards.
You may be trying to pay a retailer that doesn't take Afterpay. To see which stores near you accept Afterpay, visit the Afterpay website.
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Verify your account. You may need to provide your phone number, card details, or other information to verify your identity.
- Additionally, if your payment methods have not been verified, your transactions may decline.
If you're being asked for a PIN or CVV, the cashier most likely selected the "credit card" payment option. To fix this, retry the transaction as a "debit card".^{[3]
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If you can't use your Afterpay Card in-store, you may need to wait until you establish a payment history with Afterpay. You can do this by using Afterpay with other retailers online.