Why Won’t My Afterpay Card Work?

Jack Prenter, Founder of Dollarwise

When using Afterpay, a convenient buy now, pay later service, it can be frustrating if your card isn’t working as expected. There are several common reasons this might happen, from insufficient funds on your card to technical issues with the Afterpay app or website.

These problems can disrupt your shopping experience, preventing you from completing transactions smoothly.

To ensure your Afterpay card works when you need it, double-check that funds are available, that your card details are up-to-date, and that you are using the card within its valid conditions.

If problems persist, troubleshooting steps involve checking your app’s settings, confirming your account details, and using a physical card instead of a virtual one if necessary. Proper attention to these elements typically resolves most issues, enabling seamless payments once more.

Key takeaways

  • Ensure your Afterpay card has sufficient funds and up-to-date information.
  • Troubleshoot issues by confirming app settings and considering a physical card.
  • For persistent problems, contact Afterpay support for assistance.

Understanding Afterpay card issues

If your Afterpay card isn’t working, it can be due to a variety of common problems, or eligibility and account restrictions. It’s important to check and understand these aspects to solve any issues effectively.

Common problems with afterpay card

  • Incorrect Information: Make sure the card number, expiration date, and CVV are correct when you add your card to Afterpay. A single typo can lead to an error message.
  • Exceeding Limit: Your card might have a purchase limit. If a transaction exceeds your set limit, the payment will not go through.
  • Outdated Card Information: If your card has expired, it needs to be updated in your Afterpay account. Check the expiration date and update it if necessary.
  • Technical Errors: Sometimes, network or technical issues can prevent a transaction from processing. It’s worth trying again after a short while.

Eligibility and account restrictions

  • Account Standing: If your account is not in good standing, like missing payments, it may affect your ability to use the card.
  • Account Verification: Ensure your account has been fully set up and verified. Unverified accounts may face restrictions.
  • Location-Based Issues: Afterpay may not support all locations equally. Your location might affect the card’s functionality.

To resolve these issues, you might need to contact Afterpay’s customer service or review their troubleshooting guides for more detailed steps.

Troubleshooting steps

When your Afterpay card isn’t working, a few quick actions might sort out the issue. Let’s go through verifying your card details, updating your payment information, and clearing technical hiccups in your browser.

Verifying card and account details

First, double-check your card and account details are correct. Errors can easily happen when you’re entering information. Go to your Afterpay account settings and:

  • Ensure all personal information is up-to-date.
  • Confirm the card number, expiry date, and CVV number are entered without mistakes.
  • Check if your card is expired or has been replaced recently.

Updating payment information

Sometimes, payment info needs a refresh. Here’s how to update it:

  • Log in to your Afterpay account, either on the website or app.
  • Navigate to the ‘Billings’ or ‘Payments’ section.
  • Add or edit your payment method.
  • Save the changes and try to make a purchase again.

Clearing cache and cookies

Your browser might be holding onto outdated data. Clearing cache and cookies can help with this.

  • Open your browser settings.
  • Find the option to clear your browsing data.
  • Select both cache and cookies to be cleared.
  • Restart your browser.
    Remember, doing this may log you out of some sites.

Making successful payments

To ensure your Afterpay card works smoothly, it’s important to understand the checkout process, how it integrates with your digital wallet, and what to do if a payment declines. Let’s get right into it.

Checkout procedures and retail partners

When shopping with retailers that support Afterpay, follow their checkout instructions closely. Most merchants require:

  1. Selecting Afterpay as your payment method.
  2. Entering your card details if it’s your first time using Afterpay.

Ensure your Afterpay account is in good standing, with no outstanding balance that might interfere with new purchases.

Digital wallet integration

Afterpay can often be used in conjunction with your digital wallet. To add Afterpay to your digital wallet:

  • Check the wallet’s supported card types (credit card, debit card, prepaid card).
  • Follow your digital wallet’s steps to add a new card.
  • Confirm Afterpay is accepted before attempting a purchase.

This allows for a touch-free payment option at participating merchants and can help streamline purchases.

Handling payment declines

Your first action when your Afterpay payment is declined should be to check for simple fixes:

  • Insufficient Funds: Make sure you have enough funds available on your debit or credit card for the down payment.
  • Credit Limit: Confirm that you have not exceeded your credit limit.
  • Multiple Orders: Be aware of Afterpay’s limits on the number of active orders.
  • Account Information: Update expired card details and ensure that your account information is current.

Addressing these issues promptly can help resolve payment declines quickly, allowing you to continue enjoying your shopping experience.

Contacting afterpay support

If your Afterpay card isn’t working and you need help, reaching out to Afterpay’s Customer Support is a smart move. They are available to assist you with any issues, including payment problems or suspicious activity. Here’s how you can contact them:

  • Send a Message: Use the contact form on the Afterpay website to send a direct message. This is a good way to share details about your issue privately.
  • Talk to Someone: If you prefer speaking to a person, look for the customer service number on the Afterpay website. Make sure to have details of your account and the issue ready.
  • Social Media: Another way to get in touch is through Afterpay’s social media platforms. They often have support teams ready to respond to your queries.

Important details to provide

When you contact Afterpay Support, have the following information ready to make the process smoother:

  • Account Information: Include necessary details like your email address associated with your Afterpay account.
  • Issue Description: Clearly explain what problems you’re experiencing with your Afterpay card.
  • Payment Information: If it’s related to installments or declined payments, know the dates and amounts involved.

Remember, the support team is there to help you resolve your issues efficiently, so don’t hesitate to reach out for help.


Check for any restrictions on your card or whether your card has been cancelled. If everything seems in order, try clearing the cache in the Afterpay app, or remove and re-add your card information.

You can add your Afterpay card to your digital wallet by tapping on the ‘Card’ tab in your Afterpay app and selecting ‘Add to Wallet’. Follow the instructions to add it to Apple Wallet or another digital wallet.

Your Afterpay card might not work at the checkout if there’s an issue with your payment method or your account. Ensure your card is not expired, and that you have not reached your spending limit. Also, check that Afterpay supports the retailer you’re attempting to purchase from.

If your Afterpay account is blocked, contact Afterpay customer support for assistance. They can provide specific information regarding the status of your account and what steps you can take to resolve the issue.

An interruption in Afterpay card functionality could be due to system maintenance or technical difficulties with the Afterpay service. Keep an eye on official Afterpay updates or contact customer service if the issue persists.

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