Afterpay is a service that lets you buy things now and pay for them later in easy ways. You can choose to pay in 4 interest-free payments over 6 weeks or pick monthly payment plans over 6 or 12 months for bigger purchases. It works both online and in-store with lots of brands, and they remind you when payments are due to help you stay on track. You might see charges from Afterpay if you’re using it to split payments for your purchases.
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Closing an Afterpay account is straightforward as it can be done easily through the website or app once the user ensures their balance is zero. The process involves a few clear steps and does not require contacting customer support, making it very accessible for consumers.
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minutes to cancel a Afterpay subscription.
How to Cancel Afterpay: Step by Step
If you purchased through Afterpay Plus:
- Log in to the Afterpay app.
- Go to the My Afterpay tab.
- Tap on the settings icon (located at the top right).
- Tap on Manage Afterpay Plus Card.
- Tap on Cancel Afterpay Plus Card.
Tips & Tricks for Canceling Afterpay
- Contact both merchant and Afterpay repeatedly: Users report cycling between contacting the merchant and Afterpay customer service to push cancellation or refund.
- Open a dispute immediately: Lodge a cancellation dispute directly in Afterpay's app or website with proof like screenshots or emails to start the formal process.
- Dispute with your bank if Afterpay delays: Several users successfully got refunds by disputing charges with their bank after Afterpay and merchants delayed resolution.
- Use clear, firm language referencing legal rights: Phrases like "revocation of consent," "right to erasure," "legal action if not resolved," can escalate your request.
- Replace payment method with an inactive card: To make recurring payments impossible, change to a card that won't process payments and then deactivate your Afterpay account.
- Request written confirmation: Ask Afterpay or merchants for email confirmation or screenshots proving the cancellation or refund agreement.
- Timing matters: Cancel subscriptions at least a few days before the next billing cycle; disputes can take time to process so start early.
- Escalate through multiple channels: Users advise contacting Afterpay through the app support chat, emailing, and even social media to get attention faster.
- Be patient but persistent: Resolution often requires repeated follow-ups and patience, as cancellations and refunds can take several business days.
- Document everything: Keep detailed records of all communication, dates, times, and names of representatives for reference if escalation is needed.
Afterpay Customer Service Info
If you need assistance, here's how you can get in touch with Afterpay's support team.
Cancel Afterpay Script
Script
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Hello,
I hope this message finds you well. I would like to formally request the cancellation of my Afterpay subscription. Due to recent changes in my financial circumstances, I am unable to continue with my subscription at this time.
I appreciate your understanding and assistance in processing this cancellation at your earliest convenience. Thank you for your attention to this matter.
Best regards,
Frequently Asked Questions
Afterpay Plus subscription can be canceled anytime within the Afterpay app by going to the 'My Afterpay' tab, tapping the settings icon, selecting 'Manage Afterpay Plus Card', and then tapping 'Cancel Afterpay Plus Card.' After cancellation, access to the Plus card continues until the end of the current billing cycle, after which the Plus card is replaced with the standard Afterpay Card.
To cancel or close your Afterpay subscription/account, you do need to log in to your Afterpay account, which requires your password. You can close your account either through the Afterpay website or the app by logging in, going to the account or profile details section, and selecting "Close my account." If you don't remember your password, you can reset it at https://www.afterpay.com/password/reset. So yes, having access to your password is necessary to cancel your subscription directly through the site or app.
- Missed payments due to losing track of payment dates or mistakenly thinking payments are automatic.
- Unexpected late fees or penalties, such as Afterpay charging up to $8 for late payments.
- Financial overextension by taking multiple buy now, pay later loans that users cannot afford.
- Lack of awareness about all possible late fees or interest charges before using the service.
- Difficulty with returns and refunds, causing frustration and cancellations.
- Insufficient consumer protections compared to credit cards, such as no charge-back rights.
- Complaints of improper billing and trouble resolving disputes or obtaining refunds.
- Credit score impacts after cancellations or missed payments.
- Suspension or cancellation of Afterpay Plus subscription due to missing an installment or failing to pay the subscription fee timely.
Afterpay Plus subscription can be canceled at any time through the app's 'My Afterpay' section by navigating to 'Manage Afterpay Plus Card' and selecting 'Cancel Afterpay Plus Card.' However, cancellation only takes effect after the current billing cycle ends, meaning you will still be charged for the month if you cancel mid-cycle. There are no lock-in contracts or early cancellation fees, but missed installment or subscription payments can lead to suspension or cancellation of your subscription. Be aware of applicable late fees on missed payments which can add up if payments are delayed.
Before cancelling your Afterpay subscription, such as Afterpay Plus, be aware that you will retain access to premium features like the Afterpay Plus Card only until the end of your current billing cycle. Once the cycle ends, the Plus Card is automatically replaced with the standard Afterpay Card, which has more limited benefits and is accepted only by participating merchants. Cancelling your subscription stops future subscription charges and access to premium features linked to Afterpay Plus. It's important to ensure any outstanding payments or fees are settled before cancelling to avoid complications with your Afterpay account.
- Log in details for Afterpay account (email, password)
- Zero account balance (all outstanding orders and payments must be paid in full, including late fees)
- Access to mobile app or website (to process the cancellation/closure)
- Selection of a reason for cancellation (you may be prompted to provide a reason when closing your account or subscription)
- Identity verification information (you may be required to verify your identity or provide documentation if requested by Afterpay)
- Afterpay Plus Card users: cancel or manage the Plus Card in the app under card management settings
- Contact method for customer support (in case further assistance is required: support webform, social media, or phone)
- Documentation or record of scheduled payments or subscriptions (especially if cancelling recurring or merchant-specific services)
- Notification to retailers (if cancelling goods/services subscriptions initiated through a specific retailer)
- Email access (to monitor and confirm cancellation communication from Afterpay)
We've actually written a step by step guide on how to get a refund from Afterpay. Check it out!
The Easiest Way to Cancel Afterpay
If you’re frustrated trying to cancel your subscription, membership, or bill from Afterpay—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Afterpay?
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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