Afterpay is one platform that has come to make life easier for its users. Through AfterPay, you can make your purchases whenever you want and pay for them later in different interest-free installments.
However, your payment through AfterPay may be rejected, and you do not know why, so we invite you to read on to learn the five possible reasons.
Afterpay not working
Although Afterpay is an excellent option to make purchases that you cannot cover at the time, it is also true that they do not approve all purchases made through it.
Afterpay has a series of limitations and factors that you must comply with for your order to be approved, and if you do not comply with them, the platform will not work.
The first thing you must ensure is that the amount of your purchase is less than the estimated spending limit. However, despite meeting this criterion, Afterpay may not continue to work.
If this is the case, you can consider that you have not reimbursed the payments, you have overdue payments, the Afterpay server is not working, or later, it has taken you a long time to reimburse the money.
If the server is down, this may be due to platform problems or because many people are using the application at that time. No matter the reason, you will have to wait for them to reestablish their services if this is the case.
Another reason may be that you do not have a good internet connection, you are not logging in with the same email address you used to make the first purchase, or you do not have the latest version of the application.
If Afterpay still does not work for you after checking all the reasons explained above, you can contact Afterpay customer support. You can explain your situation by emailing info@afterpay.com.au or calling them at 855-289-6014.
What are the top 5 reasons why my Afterpay payment was rejected?
The reasons why the Afterpay application might not work for you have already been explained, but it can also happen that your payment does not go through due to rejection. In these cases, it can be caused by different reasons.
Your credit card has insufficient funds
Although Afterpay allows you to make payments for purchases that you cannot cover in full currently, they are limited by the fact that you must have sufficient funds on your credit card to cover the first payment.
You can calculate this on the basis that Afterpay allows you to pay in 4 equal installments. These installments are 25% of your purchase, so you only have to take out the amount with the purchase price and verify that you have the balance available on your credit card.
You have not covered most of the payment installments
If you get careless, you can get into a situation where you owe Afterpay a lot of money for not paying the installments on time. In these cases, you will not be processed for future purchases because you will become a risky user for Afterpay.
In these cases, paying parts of your debt to reduce the outstanding balance is recommended; this way, you will be able to inspire more confidence in Afterpay.
You have been an Afterpay customer for less than six weeks
In the case of new customers, Afterpay is stricter with their purchases in the first six weeks of use. Because of this, it is best not to make too many purchases in this period to avoid the rejection of your card.
Once this time has passed and you are paying your installments on time, you will find that you will be able to make larger payments, and most of them will not be declined.
The product you are buying is too expensive
Another possible reason your credit card may be declined is that your purchase falls into the expensive items for Afterpay.
Usually, high-value purchases are over $100, which tends to happen mainly to new users.
To avoid this, it is advisable to make purchases of less than $100 and before exceeding this amount, seek to build a purchase history for Afterpay.
Making small purchases that you pay on time will build trust with Afterpay, allowing you to make purchases more significant than this amount.
You have multiple open orders in Afterpay
While Afterpay allows you to place orders simultaneously, they are not unlimited. Every purchase that has not been fully covered becomes an open order.
The more open orders you have, the more credit you owe Afterpay, and the more you become a risky user and may be rejected for subsequent transactions.
Therefore, before making any further purchases, it is best to liquidate the balance of your open orders or wait until you have enough money. Afterpay usually allows users to have 1 to 3 open orders.