Connect Afterpay or Clearpay so your customers can shop now and pay later in installments.

Afterpay and Clearpay are payment methods you can connect to your Squarespace store so your customers can pay for products in installments, with zero percent interest. Afterpay and Clearpay act as lenders. When a customer pays, you receive the full amount upfront, and your customer pays Afterpay or Clearpay in four installments over the next eight weeks.

Afterpay and Clearpay’s features and functionality are the same. However, we note their differences in this guide, like processing fees and spending limits.

Enabling Afterpay or Clearpay adds it as a payment option for all physical products in your store. It’s not available for Digital products, download products, service products, subscriptions, or Acuity. To learn how Afterpay can help grow your business, visit our Afterpay partnership site.

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Check Afterpay and Clearpay eligibility and requirements

To offer Afterpay or Clearpay as a payment method, you need to meet these requirements:

• To use Afterpay, you need to be located in the United States, Canada (in any province except Quebec, where Afterpay isn't supported), New Zealand, or Australia.
• To use Clearpay, you need to be located in the United Kingdom.

For both Afterpay and Clearpay, you’ll also need to:

• Connect Squarespace Payments as a payment solution or Stripe as a payment processor.
• If you use Squarespace Payments, you need to be on a legacy plan or a Basic, Core, Plus, or Advanced plan. To learn more, visit Choosing the right Squarespace plan. 
• If you use Stripe, you need to ‌be on the Basic, Core, Plus, Advanced plan or a legacy plan other than Personal. To learn more, visit Choosing the right Squarespace plan. 
• Sell physical products. If you have service or download products in your cart, Afterpay and Clearpay won't appear at checkout.

Note: Your store's currency must match the local currency for the country you chose in your Stripe account. For example, if you're a merchant with a Canadian Stripe account and you set your store's currency to USD, it's not possible to use Afterpay.

To successfully enable this feature, you need to also meet Stripe's eligibility requirements. Stripe ultimately determines your eligibility, not Squarespace, Afterpay, or Clearpay. The biggest factor affecting your eligibility is the merchant category code (or MCC) associated with your Stripe account. Only Stripe can change this code. If you have questions about your eligibility, contact Stripe.

Check Afterpay and Clearpay customer requirements

To use Afterpay or Clearpay, your customers must:

Enable Afterpay or Clearpay in your payment settings

To enable Afterpay or Clearpay for Squarespace Payments:

1. Open the Payments Settings panel.
2. Click Manage Settings.
3. Under Manage Squarespace Payments, click the Payment methods tab.
4. Under Installments, switch the toggle next to Afterpay or Clearpay to enable it.

To enable Afterpay or Clearpay for a third-party solution:

1. If you haven’t already, connect a Stripe account.
2. Open the Payments Settings panel.
3. Click Stripe.
4. Switch the toggle beside Afterpay or Clearpay on.

Keep in mind:

• After the above steps, this payment processor appears for eligible customers as a payment option at checkout for orders within their country’s spending limit.
• The Afterpay or Clearpay logo appears on product details pages and during checkout in version 7.1 sites. For sites on version 7.0, the Afterpay or Clearpay logo only appears during checkout.

Processing fees

You pay processing fees for orders made through Afterpay or Clearpay, depending on which one you’re using.

Afterpay

Afterpay's processing fee is 6% of the order total, plus $0.30. This also includes Stripe's processing fee. Additional fees depend on the Squarespace website plan you have. To learn more, visit Transaction fees and payment processing rates. 

Clearpay

Clearpay's processing fee is 6% of the order total, plus £0.30. This also includes Stripe's processing fee. Additional fees depend on the Squarespace website plan you have:

• Business plan - Squarespace 3% transaction fee
• Basic plan - Squarespace 2% transaction fee
• Core, Plus, Advanced, Commerce Basic, or Commerce Advanced plans - No Squarespace fees

How your customers check out with Afterpay or Clearpay

To check out, your customers need to use a supported browser.

They'll follow these steps during checkout:

1. In the Payment field, select Afterpay or Clearpay.
2. Enter their billing address.
3. Click Continue, then Continue with Afterpay or Clearpay.
4. Log into their Afterpay or Clearpay account, or create a new account, accept the terms, and add their payment details.
5. Review a summary of their future payments, and confirm the transaction.

After confirming their payment, they’re redirected to your store’s checkout process.

Your customers receive an order confirmation email from your store, and they may receive emails from Afterpay or Clearpay about their payment plan, depending on their settings in their account.

Your customer’s payment plan is managed entirely by Afterpay or Clearpay, including late payments and delinquency.

Note: If your customer's transaction doesn't complete, Stripe may mark it Uncaptured in your Stripe dashboard. To fix this issue, visit Failed customer payments.

Spending limit by country

If the order total is less than one dollar, or over the spending limit for the customer’s country, Afterpay or Clearpay won’t appear as a payment option at checkout.

Customers who use Afterpay or Clearpay also have credit limits, which may restrict the number of transactions they can make or the amount they can spend. Credit limits are managed by Afterpay and Clearpay. To learn more, customers should contact Afterpay or Clearpay.

Refunds

When you cancel or refund an order, the payment is returned to Afterpay or Clearpay. From there, they refund the customer’s down payment, and any installments they’ve made so far. If you issue a partial refund, the customer’s payment plan changes to reflect the new outstanding balance. Afterpay and Clearpay’s transaction fees are nonrefundable. Refunds can’t be issued after 120 days from the purchase date.

Disable Afterpay or Clearpay

When you disable Afterpay or Clearpay, no new purchases can be made using this payment processor. Customers who have already made purchases will complete their payment plans with Afterpay or Clearpay.

To disable Afterpay or Clearpay:

1. Open the Payments Settings panel.
2. Under Accept Credit Cards and More, click Manage Settings.
3. Click the Payment Methods tab.
4. Switch the toggle beside Afterpay or Clearpay off.

Supporting your customers

If your customers have questions about their payment plan, why their purchase wasn’t approved, or their credit limit, they should contact Afterpay or Clearpay.