Afterpay
Verified3,144 reviews
AI reviews summary
Overall sentiment is overwhelmingly negative, with users reporting a significant decline in service quality. While a small minority of long-term customers appreciate the interest-free budgeting for essential goods, most recent feedback focuses on a total breakdown in communication and rigid, automated policies. Recurring themes include accounts being permanently closed without warning, ineffective AI-driven support, and a lack of protection against fraudulent transactions or merchant disputes.
Pros
Cons
Verdict
Afterpay is currently viewed by many users as an unreliable financial partner due to its heavy reliance on automated systems and lack of human oversight. While it remains a functional tool for simple, problem-free transactions, the risk of permanent account loss and the absence of effective support when issues arise make it a high-risk option for many consumers.
Don’t fall for the convenience of Afterpay. Customer service is almost non-existent. You get emails you can’t even reply to (including complaints), and they delete past chats about payment arrangements or hard questions. It’s illegal to deny proper email or phone contact. We went back and forth in chat trying to sort issues — they kept avoiding… Read more
answers so you can’t make any arrangements. The moment I said I lost employed they referred me to a third party. Ridiculous robot customer service AI, so much time lost trying to get through to human, they’re offline when you’re trying to chat, then message hours later when you’re unavailable and close the chat, so you have to start a new chat, repeat all the same! Most frustrating experience — same as dealing with CBA Bank, nothing ever gets resolved. Would give minus 2 stars if I could. PS. I got referred to a third party even though I have been making payments (as much as I can considering looking for work atm) - at least the third party have been super professional and responsive. Good for them and I will provide a review, after I have this matter sorted. I NEVER USE AFTERPAY AGAIN - its not worth the "con-venience' !
I contacted Afterpay for some assistance regarding payments. Initially during an app chat they accepted I was in a financial hardship situation. They wrote they would not add the extra $10 payment to my orders but would send me an email. No email was received. I wrote to ask where it was but no response was received. I received a phone call from… Read more
Jake, supposedly from Afterpay, who asked for personal details. When I asked for him to give me half of my date of birth, he said he could not do this. I was reluctant to provide it. He said I needed to give it for my own protection and would not provide the other half. While I was on the phone he then went against what I had been told by Afterpay not needing to pay the $10 and commenced to send me texts, I could only assume as a punishment, for not providing my DOB. Very disappointed with this treatment as a customer and Jake’s lack of customer care. Particularly as I was told something earlier and he went completely against what I was told. Shame on Afterpay and particularly you Jake.
I actually love afterpay and their service. Unfortunately my only complaint is that they changed the payment owed on due date from seeing total owed to going onto how much you owe in 15 days!!! Not helpful when I write now much I need to pay on bills weekly!! Why do companies feel the need to change things when it works!!! Now I spend an hour of my time before pay day writing down what I need to pay on the due date day!! Very frustrating!!!!
Reviews with attachments
They kept adding fees and never explained why after 12 emails to the company ignored all me email enquiries - I STOPPED USING THEM
dodgy biz, ***deal drop, spend $100 n get $20 off they said give u $20 off when you spent $100 in certain store, then they only deducted $5 !!! ridiculous! if they do not deduct the right amount n i will return ALL my purchases
no good if they do not have phone number to talk to human neither messages are no showing ,they do not reply to messages getting charged extra fees is no worth, have the afterpay shame that all is automated,like AI, would advise people stay away from afterpay, save money and buy outright what you need.
Afterpay makes random credit assessments on your credit account which also lowers your rating down without notifying you. in the beginning afterpay was fantastic whenever I made a purchase I know it'll be exactly two weeks after that time I'll make my first payments which allowed me to manage my payments whenever I got paid, but now sometimes it's… Read more
eight days later less then two weeks so the whole paying four structure is a lie unless you change your preferred payday to the date you purchase. Which is a pain in the butt to do that every time. It takes them a very long time to get back to you and if you are late for a payment even if you have an impeccable clean record they will take features away from you and not notify you until you try to make a payment for something and it doesn't work. I made a full payment yesterday of everything that was due and then a payment of $39 comes out of my account this morning that I didn't authorize. I'm going to go ahead and pay out whatever I have left in my account and then I'm gonna close it. after pay is a scam there is no benefit. I will post this review everywhere I go people need to stray away from afterpay. .
Afterpay deducted a payment from my account, yet the transaction remained pending and I was subsequently charged a $10 late fee the following day. Scamers
I used Afterpay for most of my online shopping. It is all good as I paid my dues on time. Until I purchased a products that was misleading and fake that using the legit name of the product/Company that I believed and intend to buy. But when I received the products it was a copy/fake. I contacted the seller customer service email and number but I… Read more
can’t able reach. So my last resort is to try to cancel my payment but I can’t see an option to cancel my recurring payments. And I contacted Afterpay if they can help me to cancel my payment. It was very disappointing to know that they can’t help me. So Afterpay was just for the sellers benefits because even scammers can use their payment method to scam people around the World and they don’t do anything about it.
- +1
fake afterpay australia scam by hacker's this is how hacker's steal's your money and your identity information and when you report to afterpay australia about the scam the hacker's has spoof and spoofing your email and your telephone number with their generated automatic fake computer coding of their signature hacking software engineer and is… Read more
trying to force you to give them your life and give up your life this is the method tricks tactics by the hacker's who has taken over your whole account and the parasite's puppet's will get what they deserve when they are judge by god when they met god for their sickening sinister's sinfulness that they caused you and wrong you when judgment day happens because these parasite's puppet's are demon's devil's in disguised puppet's parasite's of darkness entities that wear fake masks and hide behind a basic computer because this is part of their plans to steal from you and forcing you to give up your life from this corruption world caused by them. do not call or answer the fake number because all the hacker's needs is your voice identification and also ask you more information to get from you. the hacker identity fraudster thefts scammer parasite's puppet's want you to give up your identity and your life so that they can get away with stealing your money and stealing your identity and stealing your life by force's with their nonsense and are inprisonnating to be from afterpay australia this is how this parasite's puppet's make their money and all of your money that they stolen from you pay's for their high maintenance lifestyle to show off their millionaire and billionaires lifestyle expenses that is made by dirty money that they stolen from you with blood money to all their innocent vulnerable victim's that they stole from because they are serial murder's and serial killer's. also afterpay security system's is vulnerable and easy to hack by the hacker's and after pay will not notify the brench of all the stolen original data of your account and afterpay need's to be accountable of selling their customer's identity and information and also they should reimburse all of the stolen money that the hacker's stolen from you this is your customer right's by law to be refunded full reimbursements of all of your money that been stolen by the parasite's puppet's. aftepay is helping these parasite's puppet's with not helping you with the issues with your account because the corrupt algorithm computer system is corrupt by the parasite's puppet's their security systems is trash. afterypay makes money from you with their scams and also if we all complaint and report this scam we can all sue afterpay for violating our privacy and selling our identity and stealing our money because how much you have report the issues with afterpay customer service's which afterpay does not want to help you because your sharing this information with the paraite's puppet's an inside job in afterpay corruption and greedy to make a profit from you. afterpay customer service's is not going to help you because afterpay customer service's just want to make sure that you can not talk to a real person representative from afterpay your better writing to the ceo of afterpay directly or your government of your country and the cybercrime investigation authorities involved that afterpay needs to be charge and sue and fine for stealing your money and stealing your identity with their scam. please note that the response fake email from the hacker identity fraudsters thieves scammer parasite's puppet's addressing it to themselves of my afterpay account that they have stolen but still addressing it to my email address of my account that they have taken over and andrea is not my name this is proof evidences of how these piece's of poop are especially with trying to sounds as if they are legitimate with pretending to be from afterpay representative customer service's do not be fooled by their sophistication organisation scripts bad actor's that they copied from the actual real afterpay business company that they stolen this information from with simple copy and pasted and make fake masks aliases names as their profile these parasite's puppet's of poop.
Personless system No phone number even for complaints see screenshot You can't call them from Australia no customer service number chat only which is pretty poor when their system doesn't work chatbot terrible ineffective doesn't open til 10am loops around the help section copy paste worst contact system I've seen or faceless organisation. You can call them in USA and Canada but not from here...?
Thy have no way of calling them you have to lodge a call back and no phone complaints system afca would have a field day with them
- +5
First of all, I am confused about whether Afterpay India or Afterpay USA is the correct place to deal with this issue. I have been trying for a long time to get resolution from AFCA support team for long time now and every time, AFCA members mislead me into believing they are focused on the issue, but then I am directed back to the Afterpay app or… Read more
website, where an automated system continues to run. The reason I am writing this report is to gain a clearer understanding of which authority is responsible for doing what is right, honestly and without dishonesty, to help people get their money back into their bank accounts and stop this madness. Afterpay’s poorly designed payment system has stolen money from people who are supposed to be receiving refunds from merchants. In some cases, Afterpay claimed they received a refund but never processed the transaction, and they charged full amounts without releasing the funds. Many transactions remain pending, and they refuse to refund these. Despite my repeated complaints, AFCA team members ignored my concerns, changed the case subject, and misled me in every way possible. They took sides, bullied me into accepting their version, and the worst part is that when I complained about AFCA to the ombudsman, even worse things happened. I provided numerous pieces of evidence proving that Afterpay stole money in this manner, but they refuse to take responsibility or do the right thing. If I wasn’t able to recover my money, they remain silent. Currently, they have limited my account access and sent threatening messages, saying I am not allowed to continue using the account. They have already charged me for the Afterpay Plus monthly fee but refuse to respond to my case. Afterpay's customer service is among the worst I have encountered, and unfortunately, all their customer service team seems to be of the same nationality as Uber and DoorDash, with clear differences in service quality between Afterpay USA and the so-called Afterpay available in our country. I will send my statement to the review team to expose how badly this payment method has become a systemic scam of BNP or buy now, pay later. Please, someone help me find a proper way to address this dark and repugnant behaviour of their customer service department. If it’s within the scope of our government to do something about this, please let me know. I want to show how much money Afterpay stole from me, how they refuse to provide a clear explanation, and how they started with misleading apologies and false directions. It’s been a long time since I opened this case, and they ignored it, passing me to AFCA with terrible communication, falsely claiming that Afterpay is good and implying that I am not capable of doing anything right. I need help to find a way to report this scam to government authorities. I take responsibility for my statement about this dark and hidden scam that could potentially harm our economy. Thank you.
The Afterpay issue, even after a few months, ignores the fact that the refund has been paid to me,… Read more
Find out how Afterpay compares to other Buy Now, Pay Later Services
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Careful on this service Afterpay, without warning or reason declined a transaction under $150 being a long time customer with no money owed on the account.. No customer services directly available to contact or resolve in Aust except a generic email & chatbot response. The afterpay service is now unreliable...At worst extremely … Read more
Dangerous & Unsafe if using any transport service linked to your Afterpay account like Uber etc, to get home especially on late nights after work or if you've been out even... worse if you've been consuming & get your transport payment declined if using afterpay stay safe & look at better & reliable payment options.
What a rubbish customer service experience. I got charged twice for the same transaction, and even though I raised a dispute, I was told that once the duplicate items (which I never authorised in the first place) were returned, I’d get my refund. I did exactly that, in good faith and the merchant confirmed the refund was sent. But Afterpay keeps… Read more
saying they haven’t received it. Been going back and forth for days, and then one of their reps called me. I thought finally, some progress — but nope. The call was just them repeating the same info I’d already been told in messages. No solution, no new updates, just 45 minutes of my life wasted.
Honestly, if you’re going to call, at least come with a solution or something useful. I can read. Can’t wait to close my Afterpay account after this.
Horrible app and customer service. The app is difficult to navigate and clunky. I am not allowed to change my maiden name to my surname despite providing a marriage certificate, which is listed as an acceptable document as per the Afterpay website. Now my name is 'pending' despite it still being my maiden name and I can't use Afterpay at all.
Latest follow-ups
I'm not happy with their service – I was using afterpay more than 4 years, but I missed a payment and they reduced my limit, that's mean you are insulting me.But I got enough money in my other account, but forgot to transfer.You guy's should consider one missed payment.
Follow-up · My limit was $3000,reduced to $2000.Their maximum limit $3000.
Poor customer service. There's no compassion or empathy. Signed up. I am unable to add my Visa card. I inquired with customer service for assistance. Multiple reasons for avoiding assistance and transferring to other departments via email, but no… Read more
phone transfer. Referring to my issue, which takes 5 days or more to resolve. The outcome is always a generic response from AI, with no support or solutions. I felt alone because there was no call back unless I sent ten emails. So, I cancelled my account since my Visa card was not properly linked. I attempted to reapply in hopes of resolving the issue. However, I was advised that once you cancel your account, you are not allowed to reapply. You are practically banned. I believe pay will not last very long because prior consumers are banned from joining again. I’m sure its bankrupt. Go to Klarna instead.
Follow-up · I got a response a week later. Customer service read from a screen. Reading out the policy. No resolution. The customer service team must be on peanuts. Shame on you afterpay.
They don’t properly keep merchants accountable. I ordered using Afterpay and the product never arrived however the seller lied and said it was and Afterpay believed them despite my evidence that it had never been delivered to my address but in fact was returned to sender
Follow-up · terrible - they did nothing about it
Positive reviews
Afterpay is convenient and easy to use. However, this last update has changed the layout. It is no longer possible to see the payment that needs to be paid the earliest. It now only allows you to see the payments needed in the next 15 days even if you have payments that need to be made before then. Also, they moved the amount to spend down and… Read more
replaced it with how much you owe. I understand this is a service, but it felt much more fun to see how much you have to spend first before owed (from someone who always pays Afterpay on time). Quite disappointed with this update.
As I live on an Aged Pension payment, my life would be pretty dull and boring if I just lived to pay my rent ($495 less rent assistance/subsidy), food, fuel, rego & insurance, boost mobile.plus SpinTel (as I live in a black spot with Telstra signal), chemist, funeral insurance etc. Which leaves me with bugger all after really some fortnight's, so… Read more
mine's a tight budget! So I have used Afterpay for a long time to help me buy furniture, white goods, kitchenware, homewares, clothing and now I've even booked flights to see family and friends interstate. Living on a strict budget is what I'm very used to! But thank goodness for Afterpay and the way their system works. I have never had to pay interest fees ever as I make my payments fortnightly to fit in with my pension payments. I buy carefully to suit my payment budget. I pay off my items on Afterpay every time. I have never had any issues. I only have a Visa Debit card so I don't use credit cards and much better off! I've even managed to save some money, put away for whatever lies ahead. I don't smoke, rarely buy alcohol, I rarely eat out, I don't buy takeaways, I rarely buy a hot drink out, but do so if with friends. I even make sure I attend a dance exercise class weekly and swim twice a week at local aquatic centres. So my life gets a sparkler of 'good vibes' only due to my strict budget and the use of Afterpay when I badly require/wish for something or other. Thanks Afterpay for your services.
I have been using AfterPay for around 2 and a half years, and haven’t had a single problem in that timeframe that hasn’t been resolved my support swiftly. I use it mainly to afford my wants that I would otherwise spend the same amount of time paying off as I would saving up, like PC parts, skateboarding equipment, sometimes food, etc. As long as… Read more
you don’t overspend on it and make sure you can make the payments in advance you will be fine, and in the few times where I was out of work for a week, the app lets you reschedule for a week later, and once you run out of those (I believe it’s about 5-10 times but I can’t say for sure), I’ve contacted support 3 individual times and they have moved the payments to the next week, even those not normally movable like 4th payments, and understand your reasoning.
Personally, my experience with AfterPay has been very positive, and has allowed me to buy many things I enjoy that I wouldn’t have otherwise afforded.
Find out how Afterpay compares to other Buy Now, Pay Later Services
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Negative reviews
A genuinely faceless organization. No accountability and extremely poor customer service where it's Customer AI feeds you false information or you're stuck with customer service agents that take half a week to reply back. Very poor service all in all. Stay away!
Terrible service; they will try to delay closure of account even when all is fully paid; they want to wait for your afterpay plus card to expire first before they close it. Very dodgy service, be warned.
After ten years as a customer, I have closed my Afterpay account. I used your service not out of necessity, but as a psychological buffer for larger purchases. That arrangement worked until it didn't. The breakdown occurred when I lost my credit card. I replaced it and updated my account with the new details. What I was not informed of - nor… Read more
would any reasonable user assume - is that this required manually updating the payment method for every existing order and every scheduled future payment individually. Because this was neither intuitive nor communicated, missed payment fees were incurred.
Upon discovering this, I spent approximately one hour correcting each payment manually. I was then informed that I could no longer use my credit card on the account. This is the card I use strategically for rewards points, paying the balance immediately to avoid interest. The reason given? Excessive late fees. The fact that these fees resulted directly from your platform's poor design and lack of transparency was deemed irrelevant.
Additionally, I learned that these incidents are reported to credit bureaus. My inquiry regarding this practice received no response.
I have settled my balance and closed the account. Ten years of patronage, and the resolution was bureaucratic indifference. Your user experience is poorly designed, your customer service is unresponsive, and your policies penalise customers for system failures that are entirely yours.
Recent reviews
Very dodgy about their promotional offers and refused to clarify my questions to their team and only days later replied that the offer has lapsed but I’ve already used Afterpay and couldn’t change my payment method. My credit card details were not updated as it was subject to fraud and replaced by the bank - Afterpay did not email me at all and charged me a late fee and additional late fees. Customer service is also unhelpful on purpose.
Extremely disappointed and despondent these past few days. We in Australia had a monumental Telstra outage here on Wednesday that turned my world upside down. Afterpay do not respond to the myriad of messages I send other than with generic AI copy and paste messages. I’ve been banging my head against the wall for days now as they are absolutely… Read more
useless. I have now filed a complaint with ACRA as Afterpay have treated me appallingly this week and have locked my account. I have never faulted on any payments since it began around 10 years ago. Their communication skills leave a lot to be desired. They have lied to me claiming they sent a reminder email which I positively did not receive.
Trying to talk to people in the Phillipines from Australia is impossible, as I cannot understand what they are saying between dead silence moments for over half an hour and extreme language barriers., I have lost all faith in humanity this week due to this debacle of which they created. I’m awaiting a response via ACRA now as Afterpay customer service is non existent. They show no moral compass or integrity at all. It’s been the week from hell thanks Afterpay.
Your so called promises are as deceitful as you lot are. The disappointment is palpable!
The support takes days to respond with a single message often a copy paste response that addresses approximately 0 issues. I have never missed a payment, but limit was lowered unfairly even though i contacted support with over 48 hours before repayment it took them a full 24+ hours to respond with a copy paste msg saying payments cant be changed… Read more
24hrs or less before the due date... no acknowledgement that i had contacted within the time frame but afterpays support were so slow meaning the few days change i needed was unavailable and their response times are directly responsible for my inability to avoid missed payments and fees due to non hardship one delay in my salary due payroll error . I contacted support to complain that I was being punished for their failure and I got another copy patse message another 24 hours after I sent my message, with standard limit disclaimer. Again 0 acknowledgement of the issues I raised. The need to restore my limit. Next step is ombudsman
When i have a payment due since the last update of the app i cannot see what I owe on the due date anymore. How am I meant to manage my payments when your site and app are a peice of ...... and a headache. Do you think I can contact customer support and get an answer..... noooooo! Then the last time I actually spoke to someone when I finally… Read more
got through, i hear a rooster in the background and an accent that i cannot understand. Such an unprofessional company that seems like it's run out of a backyard in the Philippines, then you get nothing but scripts read to you it's a bloody headache.
Worst customer service you can imagine and then imagine worse. The app is very user friendly which is its best attribute. If you ever need customer service then avoid this company. My issue? Cancelled an order and it was refunded (evidenced by automated email confirmation and an official refund remittance slip from their Finance team). When I… Read more
lodged the dispute I provided evidence of everything (cancellation email, refund email, remittance refund slip). Afterpay closed the dispute citing “evidence required” even though it was all attached and explained. There’s a new nonsense email response every day and it completely ignores the information provided already. Afterpay first said they couldn’t locate the order (even though it’s in my order information) Then they said they need identification details. Then they said they need the cancellation email. Then they said they need the refund proof (had already provided this 4 times via email). Then yesterday I’m told that maybe the refund went to my bank account directly (obviously it didn’t bc Afterpay made the payment) Then today I got told that refunds can take up to 10 days. It’s now been 17 business days.
It’s more infuriating than talking to a brick wall.
I’m trying to use the online app chat function - I’ve been waiting 4 hours for someone to join the chat.
Proceed with caution when using this company.
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so I have got afterpay reply n I am going to do the FULL return of my purchase today! … nasty scam… Read more (+2 replies)