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Is offering flexible payments the secret to boosting WooCommerce sales? It’s a question worth asking, especially when customers are no longer just looking for products, but convenient payment methods too. That’s where Afterpay payments in WooCommerce enter the scene.
Afterpay is one of the best buy now pay later services, allowing shoppers to split purchases into four interest-free payments. For store owners using WooCommerce, enabling Afterpay payments can be a smart move to improve checkout conversion rates and attract budget-conscious shoppers.
Key Takeaways
- Afterpay payments in WooCommerce let customers split purchases into four interest-free instalments, boosting conversions and reducing cart abandonment.
- With the WebToffee Stripe payment gateway plugin, you can enable Afterpay payments on your WooCommerce store.
- Offering Afterpay payments in WooCommerce helps attract new customers, increases average order value, and provides a frictionless checkout experience.
Ready to enable the Afterpay payment method in your WooCommerce store? Let’s get started!
Afterpay, also known as Clearpay in the UK, is a Buy Now, Pay Later (BNPL) solution that allows customers to split their purchase into four equal, interest-free payments, paid every two weeks. It’s a popular payment method in the United States, Australia, New Zealand, and the UK, where online shoppers expect flexibility and pay-later options at checkout.
In WooCommerce, Afterpay payments can be integrated directly into your store, allowing you to offer a smoother shopping experience that aligns with modern consumer behavior. It’s ideal for customers who want to budget their spending or make higher-ticket purchases without upfront pressure.
But how does Afterpay fit into the broader BNPL trend? With other popular platforms like Klarna, Affirm, and PayPal’s Pay Later, Afterpay stands out thanks to its simpler BNPL payment structure, no interest, and no impact on credit scores (if payments are made on time).
Shoppers love the predictability. They know exactly how much they’ll pay and when. And retailers? They get paid upfront, with no risk of late payments.
Understanding how Afterpay works can help you set the right expectations for your customers and make smarter business decisions. The core idea is simple: split payments into four, spread over six weeks, with no interest as long as payments are made on time.
Here’s a quick breakdown of how Afterpay payments work.
- Customer chooses Afterpay at Checkout: When your WooCommerce store has Afterpay enabled, customers can select it as their payment method during checkout.
- Instant approval decision: Afterpay performs a quick assessment, usually without affecting the customer’s credit score, to decide if the transaction is approved.
- The first payment is collected upfront. The customer pays the first 25% immediately. The remaining payments are automatically deducted every two weeks.
- Retailer gets paid upfront: You, the store owner, receive the full purchase amount (minus a small merchant fee) upfront. Afterpay collects the remaining purchase amount from the buyer directly.
Common Questions Around How Afterpay Works
- Does Afterpay charge interest?
No. There’s no interest if payments are made on time. Late payments, however, may incur a fee. Likewise, Afterpay’s monthly payment options are interest-based. - Does Afterpay affect your credit score?
Generally, no. Afterpay doesn’t do hard credit checks or report late repayments to any credit reporting bureaus. - Can you reschedule or extend Afterpay payments?
Yes, customers can reschedule payments up to a certain number of times a year, making it flexible for buyers. - Does Afterpay do monthly payments?
The standard Afterpay model is four payments over six weeks, but Afterpay has introduced interest-based Afterpay monthly payment options for larger purchases. - What if an Afterpay payment is missed?
If you don’t make payments on time, Afterpay can charge late fees up to 25% of the purchase and eventually turn you over to debt collections. - What payment methods does Afterpay accept?
Afterpay accepts Debit and Credit cards (Visa, Mastercard), as well as compatible digital wallet services like Apple Pay and Google Pay.
Getting started with Afterpay on your WooCommerce store doesn’t require any advanced technical knowledge, especially if you’re using a plugin-based solution like Stripe Payment Gateway for WooCommerce by WebToffee.
This plugin doesn’t just enable Afterpay; it also lets you accept credit/debit cards, Google Pay, Alipay, and over 20 other payment methods within your WooCommerce store.
You can also enable Stripe Checkout – a prebuilt payment page hosted by Stripe to deliver a fast, secure, and conversion-optimized checkout experience. Here, instead of building a checkout page, you can enable Stripe Checkout, which comes with features like real-time card validation, address auto-complete, and clear error messaging.
Steps to set up Afterpay Payments in WooCommerce:
Step 1: Install and Activate the WebToffee Stripe Plugin
Go to your WordPress dashboard, navigate to Plugins > Add Plugin, and search for “Stripe Payment Plugin for WooCommerce”. Install and activate the plugin developed by WebToffee.
Step 2: Connect Your Store to Stripe
Once activated, go to WebToffee Stripe in the WordPress dashboard, and click on Connect to Stripe. Follow the on-screen steps to link your WooCommerce store to your Stripe account. If you don’t have a Stripe account yet, you can register one during this process.
Once connected, you’ll see a screen (like the one shown below), indicating that your store is successfully linked. Keep in mind, you’re in test mode. You can click Switch to live mode at any time from the top right.
Once connected, enabling Afterpay payments in WooCommerce becomes straightforward and just a few clicks away.
Step 3: Enable Afterpay Payments in WooCommerce Stripe Settings
Next, in the WebToffee Stripe dashboard, go to Local Gateways and click on Afterpay to enable WooCommerce Afterpay Payments.
- Check the checkbox to enable Afterpay.
- Optionally, edit the title, description, and button text that will appear to your customers during checkout.
- Click Save changes to update the WooCommerce Stripe settings.
That’s it! Setting up Afterpay in WooCommerce is as easy as that. Now, let’s see how WooCommerce Afterpay is implemented in your store.
Step 4: Test the Afterpay Payment Flow
This is an optional, but recommended step when setting up different payment methods in WooCommerce. Before going live, switch your Stripe account to “Test Mode” and simulate a transaction. This ensures everything works smoothly before accepting real payments.
Step 5: Go Live and Accept WooCommerce Afterpay Payments
Once you’ve confirmed everything is working, switch back to “Live Mode” and you’re ready to start accepting Afterpay payments in WooCommerce. Customers will now see the option at checkout and be redirected to their bank to complete the payment.
Adding Afterpay through Stripe is one of the fastest ways to offer flexible payment options without dealing with complex integrations or extra costs.
Integrating Afterpay payments into your WooCommerce store isn’t just about keeping up with the changing consumer demands; it’s about making buying easier and more profitable for you. Here are some key advantages when enabling WooCommerce Afterpay payments:
➞ Increased conversion rates: Shoppers are more likely to complete their purchases when they can pay over time, especially for higher-ticket items. Afterpay reduces friction at checkout by offering payment flexibility.
➞ Larger average order value: When customers aren’t limited by a full upfront payment, they tend to spend more. That means higher revenue per transaction without changing your pricing or introducing buy-more, save-more discounts.
➞ Attracts new customers: WooCommerce Afterpay payments has a loyal user base who actively seek stores offering BNPL. Listing Afterpay in your store opens the door to a broader audience already familiar with the service.
➞ No risk for retailers: You get paid in full right away, while Afterpay takes on the risk of collecting the rest. That means no worries about late payments or chargebacks tied to the instalment plan.
➞ Simple integration via Stripe: Adding Afterpay payments to your WooCommerce store is quick and easy using the Stripe payment gateway.
➞ Brand trust & recognition: Displaying the Afterpay logo at checkout signals credibility. Shoppers who have used it elsewhere will instantly recognize and trust the option, improving your store’s professional image.
Wrapping Up
Adding Afterpay payments in WooCommerce is a strategic move for store owners looking to boost sales, improve customer satisfaction, and stay competitive. With its easy-to-understand BNPL payment model, strong brand recognition, and easy WooCommerce integration via Stripe, Afterpay payments empower you to offer flexibility without compromising on cash flow. To conclude,
- Afterpay payments let customers split purchases into four interest-free payments.
- WooCommerce Afterpay payments are widely trusted, easy to use, and available through the Stripe plugin for WooCommerce.
- Enabling Afterpay in WooCommerce can drive more conversions, increase average order value, and attract a broader customer base.
If you’re looking to offer more value to your shoppers while keeping your payment systems simple, Afterpay might just be the right solution for your WooCommerce store.
That’s it, folks! We have come to the end of this guide on how to enable Afterpay payments in WooCommerce using a free plugin. Now it’s time for you to share your thoughts on WooCommerce Afterpay payments in the comments section. Hope you loved the article!
Thanks for reading!
Frequently asked questions
Afterpay accepts Visa and Mastercard debit and credit cards. Once a customer adds their preferred card, Afterpay handles the rest, automatically charging the card on the scheduled payment dates.
Yes, WooCommerce supports Afterpay when integrated through payment gateways like Stripe or dedicated Afterpay plugins. This allows store owners to offer Buy Now, Pay Later options directly at checkout.
WordPress itself doesn’t process payments, but if you’re using WooCommerce on WordPress, you can accept Afterpay by enabling it through a supported payment gateway like Stripe or an Afterpay plugin.
Yes, WooCommerce Afterpay payments are considered safe for both shoppers and retailers. It uses secure encryption, does not require a hard credit check, and has clear payment terms with no interest when payments are made on time.
No, Walmart does not accept Afterpay at this time. However, Walmart offers other Buy Now, Pay Later options through services like Affirm and Klarna for eligible purchases.
Afterpay payments don’t allow payments to be paused, but customers can reschedule up to three payment dates per year.
