Afterpay: Shop now. Pay later‪.‬ 4+

Been a long-time customer of AP and have found it very easy to use and navigate, and easy to understand; great transparency and little to none obvious manipulation. Seems in touch with the every-person. Customer service is very friendly, helpful and quick to respond. Pulse Rewards is great if you keep paying on time, that is…it’s just awesome that you don’t have to pay anything upfront for two weeks. That used to be standard, but anyway. I feel I can pretty much trust AfterPay which is saying a bit as I am quite sceptical by nature. Their image is not one of greed but of ordinariness for the every-person, and I sense a vibe of down-to-earth, basic, almost wholesome transparency from AfterPay. Only fear is that the more mainstream the are becoming, the less of what I’ve just written will apply. My rating is also against my experience with Zip which I stopped using as soon as I could. Basically, I feel a great deal less like a manipulated commodity when I use AfterPay which means a massive deal to me. Finally, I appreciate very much that one can miss up to a certain number of payments per 6 months or year without incurring any fee. Just wish that not paying anything upfront for two weeks was standard and non-conditional, as it used to be. Hope this is helpful for those considering using AfterPay. I think they are a business worthy of my own and others support.

This is such a well thought out and intuitive app. All your information is in one place. You can add multiple cards and switch between them on the fly. It also integrates seamlessly with other websites. Product returns are also made easy. I’m a mint member who has used it for around 3 years now and I’ve only had one small problem when the system was down and I was at the hairdressers and couldn’t pay. Because you have removed the barcode, I couldn’t leave that number with them to enter later on, nor could I ring the salon later and pay over the phone. I either had to go back to the salon in person or ring up and pay the whole thing on my debit card.

My only suggestions for improvements is to the repayment information and features. It would be useful if you could enter a date and have the app tell you the total amount due between now and that date (incl). It would allow you to easily see what is owed next pay day for example and encourage responsible spending. I like that you don’t have to pay anything on the date you make a purchase however the option to pay the first repayment on the spot would be handy.

The idea of afterpay is great and is really helpful which I appreciate. But the app and customer support is just not good. I had made a few late payments (late being a day late) due to the loss of my job from covid so my pay day changing. My account stayed frozen after one of these late payments. I messaged and asked why it’s frozen and was told that I would need to pay off all of my remaining afterpays to have it unfrozen, which is honestly just ridiculous. So I went ahead and payed off all my payments, weeks earlier than I needed to so I could have it unfrozen. They unfroze it and gave me a $500 spending limit but declined ever purchase I tried to make. Even a $30 gift card. Absolutely ridiculous that they made me pay off my account early just to then decline all my purchases. I was recently given pulse rewards and have changed jobs so my pay now comes in a day late. I had payed two payments only a few hours late, the late fee hadn’t even been applied yet. Then the next payment didn’t get taken out of my account because I had the money in another account. I tried multiple times to go on to the app and pay it and the app wasn’t working and wouldn’t allow me to pay. Because the payment was then “late” they took my pulse rewards and all the money I was allowed to spend off of my account. When I reached out to explain that it was their app that wasn’t working I was given the same automated message as last time and basically told too bad.