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Can I pay Afterpay with a credit card?

Afterpay accepts payment from Mastercard and Visa cards. Here's how it works – plus details for other buy now pay later options.

If you have a buy now pay later account with Afterpay, you can set up automatic payments or make one-off or early payments through the "PAY NOW" button. Either way, you'll need to add a debit or credit card to your Afterpay account.

If you pay by credit card, you'll be able to earn reward points per $1 spent. But you may end up with interest charges if you don't also pay off your credit card balance. So, let's take a look at how credit card payments work with Afterpay, plus payment methods for other buy now pay later services.

How to pay your Afterpay account with a credit card

You can use any Australian Mastercard or Visa debit or credit card to pay your Afterpay account. To get started, you'll need to add the card to your account using the following steps.

  1. Log into your Afterpay account through the app or online.
  2. Go to "My account", then click on the "Billings" option.
  3. Select "Add a payment method" and enter the card details.

Once you've done that, you have 2 ways to use your credit card to pay Afterpay.

1. Automatic payments

This is Afterpay's default option, with payments automatically taken from your credit card (or chosen payment method) on a scheduled date.

Afterpay will send a notification before each instalment so that you can make sure the funds are available.

2. Pay now

If you want to make extra payments or pay off your account early, you can click the "PAY NOW" button in the Afterpay app or online and enter your credit card details (if they're not already stored in your account).

Note that any remaining instalments will stay the same, so you'll need to submit a request to Afterpay if you want to change the date an automatic payment comes out.

woman-holding-a-laptop-and-card

Which buy now pay later services accept credit card payments?

Here's a look at which popular buy now pay later services do and don’t accept credit cards. We’ve also included details of which cards and other types of payments are accepted.

ProviderDoes it accept credit cards?Other payment details
Afterpay
  • Yes
Accepts payment from Mastercard and Visa debit or credit cards.
Brighte
  • Yes
Accepts direct debit payments from a credit card or bank account.
Certegy Ezi-Pay
  • Yes
Accepts direct debit payments from a credit card or bank account.
Fupay
  • No
Payment is made through your linked bank account.
humm
  • No
humm technically offers credit cards and accounts similar to credit cards. Payment options are listed on each statement and include BPAY or direct debit from your bank account.
Klarna
  • Yes
Accepts payments from valid Mastercard or Visa credit and debit cards. Does not accept payments from Amex cards or prepaid cards.
Spot. Buy Now, Pay Later
  • No
Payments must be made via a linked bank account that is set up for fast payments (e.g. OSKO payments).
Zip Money
  • Yes
Payments can be made via direct debit from your linked debit card or bank account. You can also make additional payments via BPAY.
Zip Pay
  • Yes
Payments can be made from Mastercard and Visa debit or credit cards. You can also make additional payments via BPAY.

Pros and cons of paying BNPL with a credit card

Weigh up these factors before you choose a card to pay your Afterpay or other BNPL balance:

Pros

  • Earn points. If you have a frequent flyer or rewards credit card that offers points per $1 spent, using it to pay off your BNPL shopping will help you get more rewards.
  • Avoid late payment fees and other charges. Afterpay, Zip Money and most other interest-free shopping services charge late fees or interest when you don’t make a payment on time. Using a credit card gives you a way to avoid these BNPL costs – but unless you're eligible for interest-free days on your card, you could end up paying more in interest charges.
  • Close BNPL accounts early. If you’ve signed up for an interest-free service and then decided you want to close the account, you could use a credit card to pay off the balance.

Cons

  • Adds to your credit card balance. The biggest issue with paying off an interest-free balance with a credit card is that you'll just be moving the debt from one account to another, without actually getting rid of it.
  • Interest charges. Unless you pay off your credit card balance in full each month, you'll be charged interest on the payment you make to Afterpay or another BNPL service. This means it won't be interest-free anymore.
  • Ongoing debt. Most interest-free payment services offer fixed-term payment plans, which means you know exactly how long it will take to pay off. Credit cards, on the other hand, typically have minimum repayments worth around 2–3% of what you owe. If you only paid this amount each month, it could take years to pay off the balance.

What if I want to close my interest-free account but can’t pay by credit card?

Before you can close an account with Afterpay or another BNPL, you need to settle your balance.

So, if you can’t afford to pay it off with your own money and credit card payments are not accepted, you could wait until the balance is cleared. Or, look at personal loans and other debt consolidation options.

Can I consolidate a BNPL balance with a balance transfer credit card?

Finder survey: Which lending products do people have?

ResponseMaleFemale
Credit card80.08%65.34%
Mortgage43.61%39.48%
Buy now pay later account30.26%30%
None of the above11.09%14.66%
Personal loan12.22%10%
Car loan10.53%11.55%
Charge card9.21%6.03%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023

What else do I need to think about?

  • Setting up payments from a credit card

Most interest-free payment services offer direct debit payments. To set up the debit from your credit card account, you’ll need to enter the card number, the name on the card, the expiry date and the security code.

  • Making additional payments

Some services, including Afterpay, allow you to make one-off payments in addition to your scheduled payment. In this case, you’ll need to follow the prompts to make an additional payment and enter your credit card details when they are requested.

  • Credit limits and available credit

If you set up direct debit repayments from your credit card and don’t have enough available credit when a payment is due, you could be charged two sets of fees: one from the interest-free service (a late payment fee) and one from your credit card company due to the declined transaction (a dishonour fee).

  • Financial support

Most interest-free payment services offer financial support and plans if you’re struggling to make payments. So if that’s the reason you want to use your credit card, it’s a good idea to discuss your options with the interest-free provider first. Otherwise, you could end up with more debt in the form of credit card interest charges.

Buy now pay later and credit cards both give you ways to buy what you want and pay it off over time, so they don’t usually go together very well. But if you really want to use a credit card for your balance with Afterpay or another interest-free service, make sure you weigh up the risks and potential costs before going ahead with payment.

Most of the time it’s safer to use a debit card or buy what you want up-front. Or, if you want to pay with a credit card to earn points, consider using the card to pay for what you want in the first place so you don’t have to deal with an interest-free balance at all.

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Written by

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

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