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Afterpay · Launched 2014
Pay-in-4 with no consumer interest; the merchant absorbs the full cost of credit.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Afterpay typical merchant rate 4–6% + fixed.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a A$100.00 payment for comparison.
| 4.5% + CA$0.42 |
| CA$4.92 |
| 4.92% |
| 11 Jun 2023 |
| Estimate |
 New Zealand | 4.5% + NZ$0.52 | NZ$5.02 | 5.02% | 5 Apr 2022 | Estimate |
 United Kingdom | 4.5% + £0.22 | £4.72 | 4.72% | 20 Mar 2023 | Estimate |
 United States | 4.5% + $0.30 | $4.80 | 4.80% | 5 Aug 2024 | Estimate |
Every recorded change, newest first, with the movement from the rate it replaced.
Credit loss assumptions updated in merchant pricing.
Volume tier thresholds revised.
In Australia, on the online channel: 4.5% + A$0.42, in force since 11 Dec 2021 (estimate). Fees differ by market and channel, and the table above lists each one.
It is priced in 5 markets here: Australia, Canada, New Zealand, United Kingdom, United States. A market missing from the list has not been recorded yet, which does not mean Afterpay / Clearpay is unavailable there.
It is recorded as next day. Actual timing can depend on cut-off times and on the receiving account.
Yes. It has a chargeback process, so a buyer can dispute a payment through their provider. For a business, that protection comes with dispute fees.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
