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How to Get a Refund from Afterpay

Step-by-step guide to getting your money back from Afterpay

30-day refund windowVisit websiteMerchant Guide

Quick Answer: Afterpay Refund Policy

Refund Window
30 days
Refund Method
Original payment method
Key Condition
Must contact support first

View Afterpay's official refund policy →

Afterpay Refund Policy

About Afterpay Charges

Afterpay (owned by Block, Inc./Square) is a buy-now-pay-later service that splits purchases into 4 interest-free installments. Charges appear as "AFTERPAY," "AFTERPAY US," or "AFTERPAY TOUCH." Common charges include bi-weekly installment payments, late fees ($8 per missed payment, capped at 25% of order), and Afterpay Card purchases.

Unexpected charges typically come from automatic installment deductions, late fees for missed payments, or multiple Afterpay orders with overlapping payment schedules.

Afterpay Refund Policy

  • Return to merchant: Initiate returns through the original retailer
  • Afterpay adjusts payments: Once the merchant confirms the return, Afterpay pauses or adjusts remaining installments
  • Full refund: All remaining payments canceled; already-paid installments refunded
  • Partial refund: Remaining installments adjusted proportionally
  • Late fees: Generally non-refundable but may be waived as a one-time courtesy

How to Contact Afterpay Support

  • Email: help@afterpay.com
  • Chat: Available in the Afterpay app
  • Website: help.afterpay.com

Step-by-Step: How to Get an Afterpay Refund

  1. Return to the merchant: Follow the retailer's return process.
  2. Notify Afterpay: Log into Afterpay and report the return under your order.
  3. Merchant processes refund: Once confirmed, Afterpay adjusts your payment schedule.
  4. Check your account: Verify that remaining payments are paused or canceled.
  5. Contact Afterpay: If payments continue after return confirmation, contact help@afterpay.com.

What to Do If Your Refund Is Denied

  • Dispute with Afterpay: File a dispute in the Afterpay app
  • Contact the merchant: Escalate with the retailer
  • Bank chargeback: Dispute installment charges with your bank
  • CFPB complaint: File at consumerfinance.gov
  • BBB complaint: File at bbb.org

How to Get a Refund from Afterpay: Step-by-Step

Follow these steps in order to maximize your chances of getting your money back.

  1. 1

    Log in to your account

    Visit Afterpay's website and sign in to the account used for the purchase you want to refund.

  2. 2

    Find your order

    Navigate to your order history or "My Orders" section. Locate the specific item or order you wish to return or get a refund for.

  3. 3

    Submit a refund request

    Look for a "Return", "Refund", or "Help" option next to your order. Fill out the refund request form with the reason for your return.

  4. 4

    If denied, contact support directly

    If your online request is rejected, reach out to Afterpay support at help@afterpay.com. Explain your situation and ask for escalation to a supervisor.

  5. 5

    File a chargeback with your bank

    If Afterpay refuses a valid refund, contact your bank or credit card issuer to dispute the charge. You have up to 60-120 days from the statement date to file.

  6. 6

    Escalate if needed

    For persistent issues, file a complaint with the Better Business Bureau (BBB), your state Attorney General, or the CFPB at consumerfinance.gov/complaint.

Common Refund Situations

Select the scenario that best describes your situation with Afterpay.

Subscription charged after cancellation

You cancelled your Afterpay subscription but were still billed the following month. This is a common issue — contact support with proof of cancellation.

Defective or damaged product received

Your order arrived broken or not working as described. Afterpay is generally required to offer a refund or replacement for defective items under consumer protection law.

Order never arrived

Your package was marked as delivered but never arrived, or was significantly delayed beyond the estimated date. File a non-delivery claim with Afterpay immediately.

Item not as described

The product you received doesn't match what was advertised on Afterpay's website — wrong color, size, or features. This qualifies for a refund under most consumer protection laws.

Unauthorized charge on your account

You see a charge from Afterpay that you didn't authorize. Report this immediately to both Afterpay and your bank — this may qualify as fraud.

Changed your mind / buyer's remorse

You want to return an item you no longer need. Success depends on Afterpay's return policy — act quickly as most merchants have a limited return window.

Contact Afterpay Directly

Before filing a formal dispute, try reaching out to Afterpay directly. Many issues can be resolved faster this way.

Email

help@afterpay.com

Website

Visit support page

Afterpay Refund Timeline

Here's what to expect after you submit your refund request.

1

Day 0

Request Submitted

You submit your refund request online or via customer support.

2

Days 3–5

Processing

The merchant reviews your request and approves or escalates it.

3

Days 5–10

Under Review

Refund is being processed by the merchant's finance team.

4

Days 10–14

Credit Issued

Funds are returned to your original payment method.

* Timelines vary by merchant and payment method. Credit cards typically process faster than bank transfers.

If Afterpay Refuses Your Refund

You have rights. If the merchant won't cooperate, here's your escalation path — in order of ease and effectiveness.

Step 1.File a chargeback with your bank

Contact your credit card issuer or bank and dispute the charge. Provide documentation of your refund attempt. You typically have 60–120 days from the charge date.

Learn how to file a chargeback →

Step 2.File a BBB complaint

Submit a complaint to the Better Business Bureau (BBB). Many companies respond quickly to BBB complaints to protect their rating.

File a BBB complaint →

Step 3.Contact your state Attorney General

File a consumer complaint with your state AG office. This creates a legal record and may prompt an investigation if the company has a pattern of violations.

Find your state AG →

Step 4.Report to the CFPB

Submit a complaint to the Consumer Financial Protection Bureau (CFPB). They track complaints against financial services and can take regulatory action.

File a CFPB complaint →

Want help with a chargeback? Our dispute experts can guide you through the process and write your dispute letter. Start your free case →

Frequently Asked Questions: Afterpay Refunds

How do Afterpay refunds work?
Return the item to the merchant. Once they process the refund, Afterpay cancels remaining installments and refunds any payments already made to your bank account within 5-10 business days.
Can Afterpay late fees be refunded?
Late fees are generally non-refundable, but Afterpay may waive them as a one-time courtesy. Contact support to request a late fee waiver.
What happens if I miss an Afterpay payment?
Afterpay charges a late fee of $8 per missed payment, with a maximum cap of 25% of the order total. Your account may also be temporarily frozen.
How long does an Afterpay refund take?
After the merchant processes the return, Afterpay adjusts your account within 1-3 business days. Refunds to your bank take an additional 5-10 business days.

More Merchant Refund Guides

We cover hundreds of merchants to help you navigate their refund policies.

More merchant guides coming soon. Need help now? Start a dispute →

Charges from Afterpay

Bank statement descriptors we've decoded for this merchant.

AFTERPAY
Buy Now Pay Later
AFTERPAY
Buy Now Pay Later

Can't Get Your Afterpay Refund?

If Afterpay has refused your refund or isn't responding, we'll help you build a strong dispute case — including a professional chargeback letter your bank will actually act on.

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