Qitero Qitero

Afterpay (US)

Country: United States (US)  |  Payment Rail: bnpl

BNPL Market Adoption: 40%

Afterpay US is Block's major Buy Now Pay Later service in the United States, allowing consumers to pay in 4 interest-free installments with automated card auto-debit.

🔄 User Payment Flow

  1. Customer selects Afterpay Buy Now Pay Later at merchant checkout
  2. Checkout opens Afterpay portal and presents 4-installment schedule
  3. Customer pays first 25% installment with card or digital wallet
  4. Afterpay clears 100% order amount to merchant and collects remaining 3 installments automatically

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway (Stripe / Square / Adyen) for Afterpay session token
  • PSP issues payment token and Afterpay checkout URL
  • PSP receives Afterpay clearing webhook notification and confirms order status