Can You Get Your Money Back From Afterpay? Yes, Here's How
Afterpay is a fintech company that specializes in helping customers break up big purchases into a buy now, pay later (BNPL) plan that’s better for your wallet. This Australian company rivals the likes of Klarna, Affirm, and PayPal Pay in 4. Over 3,000 merchants in North America allow Afterpay with their online storefronts. But if there’s something wrong with your Afterpay purchase, you’re likely wondering what to do or where to turn to for a refund. When it comes to Afterpay, it isn’t as simple as it seems, so let aRefund.com guide you through all the fine print.
Can You Get A Refund On Afterpay?
Every time you pay for something with Afterpay, there’s a loan agreement that details the payment amounts and when you’re charged each time. However, there are terms in the agreement that allow for the agreement to be changed and for money to be returned to your bank account if needed.
Like with other payment plan services, Afterpay recommends you contact the merchant you’ve bought the item from. So if you’ve bought shoes online from Sperry’s website, for example, that’s the company you should go to to ask for a refund.
Afterpay’s Refund Policy Explained
Afterpay has refund terms listed on the company website.
Here are the key points outlined in these terms:
- Afterpay only processes refunds when the merchant approves the refund.
- Afterpay allows both full and partial refunds and will adjust the payment amounts and schedule for partial refunds.
- Afterpay will return the funds to the buyer’s credit card.
How Do I Make An Afterpay Refund?
Customers can contact their retailer’s customer service department. Like the refund policy, the customer service and methods of contact rely on the specific retailer you’ve bought from.
Here are all the ways you can ask your retailer for a refund:
| Email Address | Leave the company a message and include your email address and order number for a faster refund process. |
| Social Media | Similar to an email address, but in some cases, you can directly message the retailer. Look for the company’s X, Instagram, or Facebook pages and see how they can help you. |
| Phone Number | Look for a number you can call to directly speak with a representative. You may need to wait on hold before a specialist can communicate with you. |
What Are Some Of The Disadvantages For Shopping With Afterpay?
Afterpay stresses there are no interest rates when applying for loans. The downside to this, however, is that late fees are applied to payments if they’re not made on time. You’ll end up paying more if you decide to delay the payment. Secondly, Afterpay only has a spending limit of $600 when you start out. Because of this, we urge you to reconsider Afterpay if you’re looking to finance a big expense right away, such as for a $2000 computer. Only until you prove you can manage payments responsibly will the system increase this spending limit.
Finally, using your credit card with Afterpay can be very problematic. When you use your credit card, you’ll still owe interest, and debt can be trivial when you have multiple installments rather than one payment.
How Do Partial Refunds Work On Afterpay?
Partial refunds allow you to get refunded on one or a few items in an order, but not the whole order. For instance, if you buy three dresses, but want to cancel one of the dresses after you pay, Afterpay will recalculate your payment plan.
Afterpay will email you the change in the payment plan. Usually, the money you are owed for each remaining payment will go down as a result of the refund on the one item.
Can Afterpay Help Me Dispute A Payment?
If you’re paying an Afterpay loan and you haven’t gotten your item(s), be sure to reach out to the retailer or log into the retailer’s site to check the order status. If the retailer isn’t making an effort to respond to you, Afterpay can step in after you contact them to open a dispute.
Here’s how this works:
- Open the Afterpay app on your device.
- Tap on “My Afterpay”.
- Tap on “My Orders”.
- Tap on the order you’ve not received yet.
- Tap on the ellipsis “...”.
- Tap on “goods not received”.
- Fill out the forms to explain what happened, in addition to what you’ve tried to do to get in touch with the retailer.
- Submit the information, and Afterpay will shortly get in touch with the retailer.
After a while, if you haven’t gotten your order and it’s still radio silence coming from the merchant, Afterpay will refund you in full and count on the retailer to pay them back.
How To Get Help With aRefund.com
Disputes can be long and stressful, so aRefund.com can make it much easier! We can get in touch with your bank to see if they’re willing to issue you a refund, where your funds would be put back in your account in around 5 days.
Here’s aRefund.com 4-step process for refunds:
- You sign up for your aRefund.com account..
- You tell us what happened for you to want a refund on your card.
- Our AI wizard will write up a professional letter to request your refund, and append a reason code necessary for your refund to take place.
- Your bank will receive your letter and review your case accordingly.
It’s a very simple process and you’re sure to get a decision faster than waiting around for two companies that have their hands full with other customers.
How Do I Contact Afterpay For Help?
Afterpay has a Customer Support department if you ever want to reach out to the company.
- Afterpay App - Go to “My Afterpay”, then “Help”, then “New conversation”.
- Afterpay Website - Visit https://help.afterpay.com/hc/en-us, then click on “Get in touch”.
- Email - Write a message to info@afterpay.com.
There is currently no phone number you can call to contact customer service, but merchants can call (855) 289-5766 for any help with Afterpay.
Afterpay Competitors
If you don’t wish to use Afterpay, there are many other competitors that offer attractive perks and are compatible with many online retailers. These competitors include Affirm, Sezzle, Zip, Klarna, SplitIt, and PayPal Pay in 4. Before you make a decision on which “BNPL” service to go with, look up each service’s features, interest rates, and customer reviews.
It’s Pay-Back Time With aRefund.com
aRefund.com is your second option when it comes to requesting chargebacks on all kinds of bank charges. No matter if you want a refund from Afterpay, Grubhub, or Disney, you can bypass their strict guidelines completely and go right to your bank for your refund.
Frequently Asked Questions (FAQs)
Can Afterpay Deny Me A Refund?
Afterpay has no say in the transaction process aside from setting up your loan payment plan. Thus, if your merchant denies you a refund, there isn’t anything Afterpay can do to overturn the decision.
How Do I Make An Afterpay Complaint?
If you have questions or concerns about Afterpay, they encourage unsatisfied customers and merchants to get in touch with them at this link. Simply click on the black “Get in touch” button to get started.
Why Did Afterpay Charge Me 1 Cent?
As your Afterpay account is being set up, the company will ensure your bank credentials are legit by charging it 1 cent in addition to the first payment on your first order. After your account is approved, this charge will be void and you’ll get the penny back.
Can I Make An Afterpay Payment Manually?
By logging into your account on the Afterpay App, you can opt to pay off the rest of your order in full. You can also choose to change the payment method before you do so. For more information, visit this link.
Can I Take Out Personal Loans With Afterpay?
Afterpay has limits on how much money you can use to pay for goods and services. While Afterpay offers terms lengths of 6 to 12 months, it’s insufficient for being able to pay for something like a new car or business expenses. BNPL services like Afterpay should be limited to affordable consumer products.
