How to Use Afterpay on Amazon: What You Need to Know

As of early 2026, Amazon.com does not directly accept Afterpay as a payment method. Afterpay is available at many other major retailers — both online and in-store — but Amazon is not among them. Amazon controls its own payment ecosystem and has chosen different BNPL partners.

Payment method availability on Amazon and at other retailers can change. You should verify the current list of accepted payment methods directly on Amazon's help pages before making purchasing decisions based on this or any other guide. The CFPB recommends that consumers review the terms of any payment arrangement before committing to it. For those asking whether Amazon takes Apple Pay, that answer is also no as of 2026.

Amazon has partnered with Affirm to offer installment payment options to eligible customers on qualifying purchases. At checkout, eligible customers may see an option to pay with Affirm, which splits the purchase into monthly installments — some with 0% APR for a promotional period, others with interest depending on the term and your creditworthiness. Affirm performs a soft credit inquiry to determine your eligibility, which does not affect your credit score.

The Amazon Store Card and Amazon Prime Visa also offer deferred financing promotions on select purchases, which function similarly to BNPL for eligible cardholders. These options require a credit application and are subject to approval. Review the full terms — including what happens if you do not pay the balance before the promotional period ends — before selecting a deferred financing option. For a broader look at BNPL options across platforms, our guide on buy now pay later explains how these products work in general.

Afterpay is accepted at thousands of retailers across fashion, beauty, electronics, and home goods categories — but not on Amazon as of 2026. You can use Afterpay through participating retailer websites, the Afterpay app, or in-store at locations that display the Afterpay logo. If a product you want is available both on Amazon and through an Afterpay-accepting retailer, purchasing from the alternative retailer may allow you to use Afterpay.

Afterpay's standard model splits your purchase into four equal payments, due every two weeks, with no interest if you pay on time. Late payments may incur fees. As a BNPL product, Afterpay is subject to consumer protection regulations that the CFPB has increasingly applied to the BNPL sector in recent years. If you're considering using Afterpay through Cash App, that integration works differently and may have different availability.

The CFPB has studied the BNPL market and identified key consumer risks, including the ease of accumulating multiple simultaneous payment obligations across different providers, limited dispute resolution protections compared to credit cards, and potential late fees that can increase your total cost. BNPL products may not always report to credit bureaus, meaning on-time payments may not build your credit history the way a credit card would.

Before using any BNPL service — including Affirm on Amazon or Afterpay elsewhere — review the full repayment schedule, any fees for late or missed payments, and the provider's dispute process if a product is returned or arrives damaged. Credit card purchases often provide stronger dispute protections under the Fair Credit Billing Act than BNPL transactions. If you're interested in building credit while managing purchases, our guide on how the Atlas credit card works covers a credit-building card option.

If you want to use a BNPL option on Amazon, here is how to access Affirm at checkout. Add items to your cart and proceed to checkout as normal. On the payment method screen, look for the Affirm option if your purchase and account are eligible — not all purchases or accounts qualify. Select Affirm and follow the on-screen prompts to see your installment options.

Affirm will present available payment plans — typically ranging from a few months to 24 months depending on the purchase amount. Review the APR, total amount you will pay, and monthly payment amount before confirming. If you select a 0% APR plan, confirm the repayment timeline to ensure you can make each payment on schedule. Missing payments may result in late fees or a negative impact on your credit depending on Affirm's reporting practices at the time. For those wondering whether to use Sezzle on Amazon, that's another BNPL option worth comparing.