Afterpay

Features
Method	BNPL, Async - GET Redirect
Merchant countries	Europe
Consumer countries	United Kingdom, United States
Processing currencies	GBP, USD
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	-
Installments	-
Credits	-
Disputes	-
Min Amount	1
Account verification	-

Afterpay (known as Clearpay in the United Kingdom) is a Buy Now, Pay Later (BNPL) service that allows customers to make purchases and split the total cost into four interest-free payments. This flexible payment option is available at participating retailers, both online and in-store.

When a consumer shops online using the Afterpay payment method, the merchant sends a payment to the PSP.

The merchant redirects to the Afterpay page and allows the customer to complete the purchase.

Payment flow

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "amount": {
        "value": 200,
        "currency": "gbp"
    },
    "paymentMethod": {
        "type": "afterpay",
        "afterpay": {
            "returnUrl": "https://merchant.site/complete-payment",
            "consumer": {
                "email": "consumer@mail.com"
            },
            "order": {
                "items": [
                    {
                        "name": "red shoes",
                        "unitAmount": {
                            "value": 200,
                            "currency": "gbp"
                        },
                        "quantity": 1
                    }
                ]
            }
        }
    }
}

Response

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "get",
            "url": "https://payment.method/complete"
        }
    }
}