Can I Cancel Afterpay at Any Time?

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.

Why Do People Cancel Afterpay?

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.

What Information Do I Need to Cancel Afterpay?

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)

What Should I Know Before Cancelling Afterpay?

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.

What is Afterpay's Cancellation Policy?

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.

Do I Need My Afterpay Password to Cancel?

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.

Can I Get a Refund from Afterpay?

We've actually written a step by step guide on how to get a refund from Afterpay. Check it out!

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How To Cancel Your Afterpay Subscription (2025)

Bella Khan, Subscription Cancellation Expert

Published July 1, 2025

Last updated on December 7, 2025

5 min read

Difficulty

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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.

Estimated Time

On average, it takes 00 10 minutes to cancel a Afterpay subscription.

How to Contact Afterpay

If you need assistance, here's how you can get in touch with Afterpay's support team.

Phone

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Site

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Disclaimer

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.

Find out how much you could save

How much are you paying?

Payment frequency

Savings over 5 years from cancelling your $15/month subscription

Savings by cancelling

Loss if you keep paying

-$0

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Frequently Asked Questions

The cancellation process typically takes about 10 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.

After canceling your Afterpay subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.

Yes, you can usually reactivate your Afterpay account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.

If you're unable to cancel Afterpay online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.

Afterpay May Show Up On Your Statement As:

AFTERPAY 185-52896014 Afterpay afterpay.com AFTERPAY INSTALMENT PAYMENT Afterpay XXXXX3456 AFTERPAY XXXXX9601 Debit: Preauthorized Payment to AFTERPAY for AFTER POS Afterpay 044-x3456 POS AFTERPAY 185-x6014 Point Of Sale Withdrawal AFTERPAY 185-52896014 AFTERPAY SAN FRANCISCO CA USA Purchase AFTERPAY760 Market Street FlooSAN FRANC POS Withdrawal (FIS) Afterpay AFTERPAY INSTALMENT 8552896014 DE Cshn Afterpay DEBIT CARD PURCHASE DDA PURCHASE Afterpay afterpay Recurring Withdrawal Debit Card Afterpay CA Card VISA DDA PUR AP 401134 AFTERPAY 185 52896014 *

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