It’s a buy now, pay later platform that splits purchases into interest-free installments. The most popular option is Pay in 4: 25% at checkout, then 3 biweekly payments over 6 weeks. Also available: Pay in 2 and Pay Monthly for larger amounts up to $15,000.
Download the app from the App Store or Google Play. Enter your name, email, phone, and date of birth. A soft credit check (no score impact) is performed, and your initial spending limit is assigned instantly. Link a bank account or debit card to start.
No. Standard Pay in 4 and Pay in 2 use a soft inquiry only. However, the Pay Monthly plan (through a lending partner) may require a hard inquiry.
New users typically start between $50–$200. Limits increase automatically based on on-time payments, account age, identity verification, and enrollment in the credit-building program. Long-term users report limits over $2,500.
Pay in 4 and Pay in 2 are interest-free. Possible fees: service fee up to $7.49 (non-partner stores), rescheduling fee up to $7.50, late saver $1.99, late payment up to $16.95. Link a bank account + use autopay = $0 in fees.
Yes. The Up program (free) reports your payment history to Experian, Equifax, and TransUnion quarterly. On-time payments build credit; missed payments hurt it. No other major BNPL offers this for free.
A Visa card number generated in the app. Add to Apple Pay or Google Pay for in-store use, or paste details for online checkout. Free single-use cards; multi-use with the Anywhere plan ($19.99/mo).
Yes, through the virtual Visa card. Works online at walmart.com and in-store via Apple Pay / Google Pay at contactless terminals.
Yes. Add the virtual Visa as a payment method in your Amazon account. No direct checkout button exists, but the card works like any other Visa.
Yes. Target is a partner store, so you may see lower fees. The virtual card works at target.com and in-store via contactless payment.
Pay all installments on time, link a bank account, verify your identity, enroll in the Up program, keep one active order at a time, and use the platform consistently. Limits are reviewed automatically.
Your account is paused and a late fee up to $16.95 may apply. If enrolled in the Up program, the missed payment is reported as delinquent to all three credit bureaus. You cannot make new purchases until caught up.
Yes. Follow the merchant’s return policy. Refunds are processed back through the platform. If payments were already made, the amount is credited to your account within 5–10 business days.
Currently available in the United States and Canada only. Users must be 18+ with a valid address, phone number, and bank account or debit card.
It wins on credit building (3 bureaus vs. none). Klarna wins on lower fees and international reach. Both offer interest-free Pay in 4.
More payment flexibility and free credit building. Afterpay integrates with Cash App and has no service fees. Choose based on what matters most to you.
24/7 messaging through the app, phone support Mon–Fri 9am–5pm CT at (888) 540-1867, or email [email protected].
Yes. NASDAQ-listed (SEZL), A+ BBB rating, 4.9-star App Store rating (148K+ reviews), certified B Corp. Loans issued by WebBank, Member FDIC.
A $19.99/mo subscription that adds a multi-use Visa virtual card for shopping at any retailer plus 1% cash back on every purchase.
A $13.99/mo subscription unlocking 350+ additional brands, exclusive deals, extra rescheduling flexibility, and priority customer support.
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