Buy Now, Pay Later (BNPL) options like Afterpay have become increasingly popular. Afterpay's popularity stems from the fact that convenience is king, and payment options that offer flexibility are more important than ever.
If you're curious about how to make your online shopping experience smoother, you're in the right place. Afterpay, a popular Buy Now, Pay Later (BNPL) service, has quickly become a go-to option for savvy shoppers.
By allowing you to split your payments into manageable installments, Afterpay helps you get what you want without the financial strain of paying upfront. In this article, you'll discover 20 of the biggest eCommerce sites that have embraced Afterpay, giving you more ways to shop and pay on your terms.
- What Is Afterpay?
- How Does Afterpay Work?
- 20 eCommerce Sites Using Afterpay
- 1. Bed Bath & Beyond
- 2. Gymshark
- 3. Boohoo Man
- 4. PUMA
- 5. J.Crew
- 6. ColourPop
- 7. Forever 21
- 8. Topshop Clothing
- 9. Marks & Spencer
- 10. Officeworks
- 11. PatPat
- 12. Cotton On
- 13. Levi’s
- 14. Alo Yoga
- 15. buybuy BABY
- 16. Dillard’s
- 17. ASICS
- 18. Aritzia
- 19. David Jones
- 20. American Eagle
- Wrapping Up
- Frequently Asked Questions
What Is Afterpay?
Afterpay is a payment service that allows you to shop online or in-store and pay for your purchases in four equal installments, due every two weeks. This model is designed to promote responsible spending, as it enables you to manage your budget without accruing interest, unlike traditional credit options.
To use Afterpay, you must be at least 18 years old and have an eligible debit or credit card. When you make a purchase, Afterpay conducts a quick approval process. If approved, you can complete your transaction and then pay the total amount in four installments over six weeks. If you miss a payment, Afterpay charges late fees, which are capped at a maximum amount based on your order value.
Afterpay is integrated with various retailers, making it easy for you to choose it as a payment option during checkout. The service aims to help you avoid high-interest debt and encourages timely payments by pausing your account if you fall behind.
How Does Afterpay Work?
Afterpay provides a convenient way for you to shop by allowing you to split your purchases into four equal payments, due every two weeks. Here’s how it works:
- Sign Up: First, you need to create an Afterpay account. You must be at least 18 years old and have a valid debit or credit card. The sign-up process is quick and typically does not involve a credit check.
- Choose Afterpay at Checkout: When shopping online or in-store, select Afterpay as your payment option at checkout. If you’re shopping in-store, you’ll need the Afterpay app to generate a virtual card.
- Payment Structure: Afterpay pays the retailer the full amount upfront. You pay 25% of the total at the time of purchase, followed by three more payments of 25% every two weeks. This means you can enjoy your purchase immediately while spreading the cost over six weeks.
- Late Fees: If you miss a payment, Afterpay charges a late fee, starting at $10, with additional fees if the payment remains unpaid after seven days. However, late fees are capped at a maximum of $68 per order.
- Account Management: If you miss a payment, your account will be paused until you settle the outstanding balance, encouraging responsible spending.
Afterpay aims to provide a flexible payment option without interest, but it’s essential to stay on top of your payments to avoid fees and manage your budget effectively.
20 eCommerce Sites Using Afterpay
Afterpay has established partnerships with major retailers and online stores. The list of eCommerce websites using Afterpay is truly long. Moreover, they constantly sign up new eCommerce sites. However, we've selected 20 that might interest you the most.
1. Bed Bath & Beyond
Bed Bath & Beyond strives to be the destination of choice for home goods. They offer a huge selection of high-quality products that include bedding, furniture, luggage, and home décor.
Such an impressive selection of products need a variety of payment methods. So, in addition to being able to pay with your Mastercard credit card or store credit card, you can also use Afterpay. Not only can you use Afterpay when shopping online, but also for in-store spending. If you want to use it for shopping online, all you need to do is select Afterpay at checkout as your payment method.
2. Gymshark
Founded in 2012 from a garage in the United Kingdom, Gymshark has grown to a team of nearly 1,000 employees working from offices in five regions. Not only have their own team expanded, but so too their social media following. According to their website, they boast a total social media following of more than 18 million and their customers come from 230+ countries.
Now to keep millions of followers happy, you’ll need to offer a wide range of payment options. In addition to the traditional payment options, customers using Gymshark online stores in the United States, Canada, Australia, and New Zealand, can also use Afterpay. Alternatively, they can also use Klarna if they prefer to buy now but pay later.
3. Boohoo Man
Boohoo Man is an international online fashion retailer that offers a wide range of menswear items. From cargos to cardigans, you can virtually find every item that your wardrobe needs.
In addition to Afterpay, they offer the following payment options:
- All major debit and credit cards (including American Express)
- PayPal
- Klarna
- Apple Pay
If you want to pay with your order using Afterpay, you’ll need to be 18 and older and in possession of an American credit or debit card and a physical address in the United States. Also, the total of your order needs to be between $35 and $1,000.
4. PUMA
PUMA needs no introduction. Just to give you an idea of their strength, here are some stats as shared by Statista:
- There are more than 14,000 PUMA employees across the globe.
- Their research and development spending amounts to over €56 million.
- Their gross profit has been more than €2.2 billion for the last few years.
Their web design is sophisticated and their product range and payment options diverse. You can either pay by Visa, Mastercard, American Express, Afterpay, Limepay, Zip, or PayPal. If you want to use Afterpay, though, you’ll need to meet extra eligibility criteria.
5. J.Crew
J.Crew customers with a US billing address, US mobile phone number, US shipping address, and a US credit or debit card can qualify to use Afterpay. If you meet these criteria, all you need to do is check out as you would usually do and select Afterpay as your payment method.
While there’s no minimum spend like with most other online stores, there are some items that aren’t eligible for Afterpay. These include monogrammed items, back ordered items, gift cards, J.Crew Marketplace items, and electronic gift cards. Also, it’s capped at $1,000.
6. ColourPop
ColourPop was founded in 2014 in California. According to their website, they pride themselves on being bunny-approved and wallet-friendly. As part of their attempt to be wallet-friendly, they also offer Afterpay as a payment option to their domestic customers. Alternatively, you can pay via one of the major credit cards, PayPal, or Apple Pay.
Not only do they try to keep up with the trends when it comes to payment options, but also with regards to their product range. Most recently, they released a new Darth Vader shadow palette. This new product features empire-inspired hues that include grays, charcoals, and splashes of merlot and scarlet.
7. Forever 21
Just like Boohoo, Forever 21 also made it to our list of the top 40 online shopping sites to check out in 2024. Their items are trendy and won’t break the bank. What’s more, they also include plus sizes. Though, if your bank balance is a bit on the other end of the spectrum, there’s Afterpay (or Klarna).
To keep up with the evolving times, they’ve also recently piloted a livestream shopping app. During the debut of the app, they connected attendees in Manhattan to one of their stores situated in a luxury shopping center.
8. Topshop Clothing
Topshop is one of the most well-known British brands. Included in their product range are shoes, sneakers, and denim pieces. Even though one of their most iconic locations on Oxford Street has closed down recently, their presence is still strong online. According to data shared by Similar Web, they attracted just over 120,000 website visits in January 2024.
9. Marks & Spencer
With more than 1,300 brick-and-mortar stores situated across the world, Marks & Spencer is virtually a household name. They were once voted the UK’s favorite in-store supermarket for their shopping experience and quality products. In addition to offering a wide range of fashion items to women, men, and children, they also include home accessories in their range.
As you would expect from a brand of this size and standing, they accept all the major credit and debit cards, as well as other types of payment like Afterpay, Apple Pay, PayPal, and Amazon Pay.
10. Officeworks
If you’re based in Australia and in need of office supplies, you can check out Officeworks. From chairs to desks to storage to supplies, you’ll find everything you’ll need to celebrate your return to the office or kit out your new home office.
According to Crunchbase, they attract more than 6.5 million monthly visits. So, if you thought that the increase in remote work is bad for businesses selling office supplies, you would be very much mistaken.
Not only do they offer a price-beat guarantee, but they also accept a number of buy now pay later (BNPL) payment options that include Afterpay, Zip, and Openpay. For Afterpay payments, the minimum spend is $55 while the account limit is up to $2,000 (twice what most other eCommerce sites offer).
11. PatPat
PatPat was founded in 2014 by two friends in California out of a desire to add more fashionable and functional fashion items for babies and kids. They offer a huge selection of quality kids' clothing at an affordable price. While the outfits might be tiny, the market is huge. In 2021, they managed to raise $510 million in funding from Chinese investors to help them expand into South America and the Middle East.
While their brand is expanding to more places, the option to pay with Afterpay is currently only available to Australia. Also, the order may not exceed $500 AUD which is relatively low compared to other online stores.
12. Cotton On
Cotton On is one of the biggest players in the global clothing retail market. Being an Australian company, it generates most of its online net sales in Australia, with the United States coming in only in second spot. According to ecommerceDB, it’s estimated that the brand’s eCommerce net sales for 2023 added up to just shy of $344 million. With regards to its website traffic, Similar Web calculates this at about 8.5 million visits on average for the past three months.
Not only do they have a pretty decent loyalty program, but they also “reward” their customers by offering BNPL options. For orders between $35 and $1,000, customers shopping at Cotton On can opt to pay with Afterpay. Alternatively, they can also use Zip or Klarna.
13. Levi’s
Just like PUMA and many of the other brands included on our list, Levi’s needs no introduction. According to their website, they’re the purest wearable form of authentic self-expression (not even yours truly could’ve put that more eloquently). They’re synonymous with blue jeans.
To give you an idea of just how big this market is, here are some facts and figures:
- At the current time of writing, Levi Strauss operates 3,200 retail stores across the world.
- Perhaps surprisingly, wholesale sales were more than DTC sales. In 2023, wholesale sales added up to about $3.66 billion (in total, they generated $5.76 billion for that year).
- Sales from men’s products accounted for nearly two-thirds of the total net sales.
- The global denim jeans market is forecasted to be worth about $88 billion by 2027.
Whatever way you look at it, Levi’s is making a lot of money. While it’s more popular among older generations, they also ensure that their payment methods cater to younger shoppers who are more inclined to opt for BNPL.
14. Alo Yoga
Just like Boohoo and Forever 21, Alo Yoga is one of the best online shopping sites that you need to keep your eye on in the next year or two. It’s one of the favorite brands of several fitness influencers and Hollywood stars like Hailey Bieber. Even influencers need to buy now and pay later sometimes, so Alo Yoga includes Afterpay and Zip as accepted payment method.
Another way they’ve made sure that they remain relevant to younger audiences is by their use of immersive tech. Recently, they also opened their virtual Alo Sanctuary in Roblox.
15. buybuy BABY
From car seats to clothing to cribs to changing tables, buybuy BABY is an American chain of stores that sell items for use by young children and babies. To keep up with the times and help new parents, they’ve recently launched an omnichannel initiative that included revamping shopping experiences and new digital offerings.
Some of the digital services that it introduced included curbside pickup, digital concierge services, livestream shopping, and buy online, pickup in store (BOPIS). If you’re buying online, you can also pay with Afterpay. This way you can buy online, pay later, and get it delivered to your home. It’s a win-win-win.
16. Dillard’s
Dillard’s is an upscale American department store. They have about 280 stores, with its biggest presence in Texas followed by Florida. Recently, the company has announced that they will start to embrace smaller brick-and-mortar locations and focus more on omnichannel marketing.
Their online presence is also extremely strong. According to Similar Web, they attracted about 17 million website visits and that was just for January 2022.
17. ASICS
Founded in 1949, ASICS might be an old brand, but they’re continuously adding new features like BNPL payment options to stay relevant. Their philosophy translates to a sound mind in a sound body which sums up their goal for their target audience: to live healthy, happy lives both mentally and physically.
Recently, they’ve partnered with Helen Kirkum, a third collaboration in their Crafts For Mind series. Previously, they’ve collaborated with Dennis Buck and KASSL Editions. For the latest collaboration, Kirkum has been tasked with designing a micro collection of custom GEL-1090 sneakers. These sneakers will be sold online by NAKED CPH and all proceeds will be donated.
If you take a look at the ASICS website, you’ll quickly notice that sustainability and giving back are strong driving forces. They, for example, run a number of discount programs for first responders, teachers, and students. All in all, they’re a great example of how brands can focus more on sustainability in all its different forms.
18. Aritzia
Aritzia describes themselves as creators and purveyors of everyday luxury. On their website, you’ll find an impressive portfolio of exclusive brands. One of their key goals is to create immersive and highly personalized shopping experiences. Their website design is just as sleek and elegant as the clothing items themselves. Not only are they offering payment solutions like Afterpay to attract the attention of younger shoppers, but they’ve also turned to TikTok where they’ve gone viral, specifically for their Wilfred Melina Pants.
19. David Jones
David Jones is another Australian-based business that’s made our list. It opened its first doors in the late 1830s and is the oldest continuously operating department store in the world that still trades under its original name. Talk about successful branding. Whether you need something for the wardrobe or the home, it offers a wide range of high-quality products across global brands that include Hugo Boss, Jimmy Choo, and Gucci.
If you want to pay using Afterpay, you can do so for orders valued up to $3,000. Though, there are a number of products and brands that are excluded such as Apple and Miele.
20. American Eagle
American Eagle is, as the name suggests, an American clothing and accessories retail store. They have more than 1,180 stores worldwide and are known for their high-quality denim. As a matter of fact, they're considered only second best to Levi's in the denim department. Other than that, American Eagle sells high-quality t-shirts, hoodies, and similar clothing items. American Eagle Outfitters, full name, is a brand name and one of the most recent additions to the Afterpay family.
Wrapping Up
Afterpay has revolutionized the way consumers shop by offering a flexible and interest-free payment option. Its integration with major eCommerce sites like Gymshark, Levi’s, and American Eagle underscores its growing popularity among shoppers who value convenience and financial flexibility.
By partnering with diverse retailers, Afterpay makes it easier for consumers to access and enjoy their desired products without the immediate financial burden. Whether you're purchasing fashion, home goods, or even office supplies, Afterpay’s user-friendly service enhances your shopping experience, ensuring that you can buy now and pay later with ease.
Frequently Asked Questions
What is Afterpay?
Afterpay is a payment service that allows customers to make purchases and split the total cost into four equal payments, due every two weeks, without incurring interest or requiring a credit check.
Which major eCommerce sites accept Afterpay?
Some of the biggest eCommerce sites that use Afterpay include Bed Bath & Beyond, Gymshark, PUMA, J.Crew, Levi’s, and Forever 21, among others.
How does Afterpay work for customers?
Customers select Afterpay as their payment method at checkout, create an account if they don’t have one, and then pay for their purchase in installments. They receive the full product upfront while spreading the payment over time.
Are there any fees associated with using Afterpay?
Afterpay does not charge interest, but late fees may apply if payments are not made on time. Customers are encouraged to pay on schedule to avoid these fees.
What are the eligibility requirements to use Afterpay?
To use Afterpay, customers must be at least 18 years old, have a valid credit or debit card, and reside in a country where Afterpay operates. Additionally, the order total must be within the specified spending limits for their country.
Can Afterpay be used for in-store purchases?
Yes, Afterpay can be used for in-store purchases through a virtual card that customers can access via the Afterpay app.
