3,000+ Stores That Accept Afterpay (Online and In-Store)

Last Updated on September 5, 2025 by Zero Earners

Want to know which stores accept Afterpay? Yes? Here are major stores that accept Afterpay—from fashion to furniture and more.

Millions of consumers use “Buy Now Pay Later” services to pay for purchases in installments. Afterpay is one of the popular BNPL service providers.

But the questions are:

• What exactly is Afterpay?
• How does it work?
• Which stores accept Afterpay?
• Is it really a smart way to shop?

In this post, we’ll cover everything you need to know about Afterpay.

So, let’s get started!

What is Afterpay?

Afterpay is a financial technology company that offers a “buy now, pay later” (BNPL) service. Basically, it allows you to buy something now and pay for it later, in short-term installments.

Afterpay was founded in Sydney, Australia, by Nick Molnar and Anthony Eisen. After a successful launch in Australia and New Zealand, Afterpay began its international expansion.

Afterpay launched in the United States, partnering with major U.S. retailers. Later, the company expanded to the United Kingdom, where it operates under the name Clearpay. It also launched in Canada.

In 2022, Afterpay was acquired by Block, which also owned Cash App. It was a strategic move for Block to integrate the BNPL service into its existing platforms, allowing sellers to offer Afterpay and giving consumers the ability to manage payments through the Cash App.

Therefore, Afterpay is now Cash App Afterpay in the United States.

Afterpay is available on: Google Play Store and App Store

How does Afterpay Work?

Afterpay is the most popular buy now, pay later (BNPL) service that allows consumers to split their purchases into four interest-free payments made over a period of six weeks.

Think of it as a modern way to shop online or in-store. Here’s how it works:

1. Many businesses and brands partner with Afterpay. You shop at a participating online or in-store retailer.
2. When you’re ready to check out, select Afterpay as your payment method.
3. Afterpay automatically splits your purchase total into four equal installments.
4. You make the first payment (25% of the total) at the time of purchase.
5. The remaining three payments are automatically deducted from your linked debit or credit card every two weeks.

Afterpay is popular among shoppers because it doesn’t charge interest. Moreover, there is no additional cost beyond the original price of your purchase, as long as you make your payments on time. However, it does charge late fees if you miss an installment.

Afterpay Eligibility Requirements

You must meet certain requirements to be eligible to use Afterpay. However, requirements may vary by location.

Here are the common eligibility requirements:

• You must be at least 18 years old.
• You must be a resident of the country where Afterpay is available (e.g., the United States, Australia, Canada, the United Kingdom, or New Zealand).
• You need to have a valid and verifiable email address and phone number.
• You must have a valid and eligible debit or credit card to link to your account.
• You must be capable of entering into a legally binding contract.

Not everyone qualifies for an Afterpay cash advance. It conducts an approval process for each purchase, not just your first one. This approval is based on several factors, including:

• Whether you have sufficient funds in your account, especially for new customers.
• Your Afterpay payment history.
• Your repayment amount for the current purchase.
• Afterpay may perform a credit check for new customers or for those requesting a spend limit increase.

What are the Benefits of Using Afterpay?

Afterpay is the most popular buy now, pay later (BNPL) service provider. It is popular among shoppers because it allows people to buy products and pay later.

Here are some benefits of using Afterpay.

1. Interest-Free Payment

Afterpay is completely interest-free as long as you make your payments on time. Unlike traditional credit cards that pile up interest when balances aren’t paid in full, Afterpay keeps things simple. You only pay for what you buy and split the amount into four installments.

For instance, you buy an item for $100 using Afterpay. You’ll pay $25 upfront and then three more $25 payments spread over six weeks. This financial model helps people who want to avoid debt traps.

2. Budget-Friendly Shopping

Afterpay makes shopping more budget-friendly by breaking down big purchases into four installments. Instead of emptying your bank account in one go, you can spread payments over time.

This is useful during seasonal sales, holidays, or when buying multiple items at once.

3. Accessibility for Online and In-Store Purchases

Afterpay partners with many online and physical retailers. Many retailers have also integrated Afterpay into their payment methods.

This dual accessibility makes it easy to use Afterpay whether you’re purchasing anything online or shopping at your local mall.

Pros and Cons of Shopping with Afterpay

While Afterpay is one of the best ways to shop online or in-store, it’s important to understand the good and the bad aspects of Afterpay.

Pros:

• No interest fees when payments are made on time.
• Quick approval process without hard credit checks.
• Wide retailer network covering fashion, tech, beauty, and more.
• Split large payments into four installments.

Cons:

• Late fees if you miss a payment.
• Temptation to overspend since payments feel smaller.
• Not accepted everywhere.
• There is a spending limit (often around $600).

Related: Top 11 Apps Like AfterPay (Buy Now, Pay Later)

Stores That Accept Afterpay (Online & In-Store)

Afterpay is the most popular BNPL service provider in the US. For that reason, many online and physical stores support Afterpay.

It’s going to be a huge list. Therefore, I recommend using “Ctrl+F” (or Cmd+F on Mac) on your keyboard to search for your favorite stores.

Here is the comprehensive list of stores that accept Afterpay.

Fashion and Apparel (Women’s & Men’s)

Beauty and Skincare

Home Goods & Garden

Kids & Baby

Electronics & Devices

Travel & Entertainment

Fitness and Outdoor

• Brooks Running
• Carhartt
• Darn Tough
• Dick’s Sporting Goods
• Fabletics
• Farm to Needle
• Healthish
• Marmot
• Peloton
• Recess Ready
• Salty Threads
• Sanuk

Department Stores & Major Retailers

• Amazon
• Bloomingdale’s
• Dillard’s
• eBay
• JCPenney
• Kohl’s
• Macy’s
• Nordstrom
• Saks Fifth Avenue
• Sam’s Club
• Target
• Walmart

Grocery Stores

• Albertsons
• Fred Meyer
• Kroger
• Publix
• Ralphs
• Rite Aid
• Safeway
• Vons

Eyewear

• 1-800 CONTACTS
• Bailey Nelson
• Bupa Optical
• DIFF Eyewear
• Eyebuydirect
• LensCrafters
• Oakley
• Ray-Ban
• SmartBuyGlasses
• Specsavers
• Sunglass Hut
• Warby Parker

Pet Stores

• Chewy
• Fable Pets
• Habitat Pet Supplies
• Pet Parlour
• Petbarn
• PetSmart
• Petstock Vets
• Pupford
• The Vet Shed

Jewelry & Accessories

• Ben Bridge Jewelers
• Coach
• Gorjana
• Helzberg Diamonds
• Kendra Scott
• Michael Hill
• Michael Kors
• Pandora
• Ray-Ban
• Rebecca Minkoff
• REEDS Jewelers
• Shiels
• Sunglass Hut
• Swarovski
• Tory Burch
• Vera Bradley
• Wallace Bishop
• Zales

How to Find Stores That Accept Afterpay

It’s a huge list, isn’t it? I’ve included almost all online and in-store retailers that accept Afterpay. However, new retailers are partnering with Afterpay, so their list of stores is growing regularly.

Here are some ways to find stores that accept Afterpay.

1. Using the Afterpay App

The Afterpay app is the easiest way to discover stores that accept Afterpay. It’s available on both iOS and Android.

The app features a directory of stores that accept Afterpay. It also:

• Let you shop directly from within the app.
• Provides exclusive deals and discounts.
• Allows you to track your payments and manage your account.

Also, you can visit Afterpay’s website to get a directory of stores that accept Afterpay.

2. Checking Retailers’ Websites

Many online retailers clearly display whether they accept Afterpay. Look for the Afterpay logo or wording such as “Buy now, pay later with Afterpay.”

If you’re unable to find any information about the Afterpay payment method, simply add items to your cart and proceed to checkout—you’ll see Afterpay listed as a payment option if it’s available.

3. Searching on the web

Search engines like Google can help you find out whether your favorite stores accept Afterpay. All you have to do is type “Does Walmart (store name) accept Afterpay?” You’ll get an answer from either via Google Gemini or the retailer’s website.

4. Exploring Local Stores

Afterpay is the most popular BNPL service on the market. Seeing its popularity, many local stores and boutiques accept Afterpay payment.

This includes clothing stores, gift shops, salons, and even fitness studios. You can spot an Afterpay sticker at the checkout counter or ask the staff directly whether they accept Afterpay.

How To Use Afterpay Online

Using Afterpay online is the easiest thing to do. Follow the steps below:

1. Shopping: Just fill up your cart at any of the stores that accept Afterpay.
2. Checkout: Choose Afterpay as your payment method instead of entering your credit card.
3. Sign In: Log in to your Afterpay account. The approval process is instant.

How To Use Afterpay In-Store

To use Afterpay in-store, you need the Afterpay app. Follow the steps below:

1. Get the Afterpay app: Install the Afterpay app on your device (iOS or Android).
2. Set up the Afterpay card: In the app, you’ll have to set up the digital Afterpay Card. It’s a one-time process, and the card works similarly to Apple Pay or Google Pay.
3. Find participating stores: In the app, browse the In-Store section to see which retailers accept Afterpay in person.
4. At checkout: Open your digital wallet and select your Afterpay Card. Tap your phone at the payment terminal to complete the purchase.

Purchases are split into 4 equal payments (usually every 2 weeks). The first payment may be due at checkout depending on your account status.

Tips for Shopping Responsibly with Afterpay

Afterpay is a convenient way to shop online or in-store. However, it’s essential to use Afterpay responsibly.

BNPL services have become so popular that even the U.S. government is taking notice. The Consumer Financial Protection Bureau (CFPB) opened an inquiry into these services.

Here’s what the director has said:

“Buy now, pay later is the new version of the old layaway plan, but with modern, faster twists where the consumer gets the product immediately but gets the debt immediately too. We have ordered Affirm, Afterpay, Klarna, PayPal, and Zip to submit information so that we can report to the public about industry practices and risks.”

Here are some tips to shopping responsibly with Afterpay.

1. Setting a Budget

There is a possibility of overspending since Afterpay splits the purchase amount into four installments. For that reason, you must decide how much you can afford to spend each month and stick to that limit.

A good strategy is to treat Afterpay purchases like credit card payments. Only buy what you know you can pay off comfortably.

2. Avoiding Impulse Purchases

Afterpay allows you to split the amount into four installments, which you can pay over six weeks. It doesn’t mean you should buy things that you don’t need.

Before making a purchase, ask yourself:

• Do I really need this item?
• Can I afford the payments?
• Will I still want this in a week?

3. Monitoring Your Payments

Afterpay automatically deducts money every two weeks. Therefore, it’s essential to keep track of upcoming payments. Use the Afterpay app or set reminders on your phone.

This method helps avoid overdraft fees from your bank and ensures you don’t miss a payment. Staying organized is the best way to keep Afterpay stress-free.

FAQs

You might have some questions about Afterpay and its retailers. Here are some common frequently asked questions about Afterpay and its retailers.

Conclusion

Afterpay is a buy now, pay later (BNPL) service provider that has changed the way people shop by offering flexible, interest-free payments at thousands of stores.

From fashion and beauty to electronics and home goods, it’s easier than ever to buy what you love without breaking the bank. Moreover, you can split the bigger purchases into four installments.

Though Afterpay makes shopping fun and manageable, it’s important to use it responsibly. You can use Afterpay or any other BNPL service by setting a budget, avoiding impulse purchases, and monitoring your payments.

Recommended Articles:

• Top 11 Apps Like AfterPay (Buy Now, Pay Later)
• Top 9 Cash Advance Apps that Work with Chime