Trying to cancel Afterpay? Avoid the runaround.
Can you cancel your Afterpay subscription? Check eligibility and conditions
Yes, you can cancel Afterpay services at any time, depending on what you want to cancel:
- Afterpay Account: You can close your account anytime if your balance is $0. It’s permanent, so only do it if you’re sure you won’t need it again.
- Recurring Payments & Subscriptions: Cancel any time in the app or website. Afterpay stops future charges once you cancel with the merchant.
- Orders Made With Afterpay: You must cancel or return orders directly with the retailer. Afterpay updates your payment schedule once the retailer processes the return or cancellation.
- Important Note: You still need to pay scheduled instalments until the retailer confirms the cancellation/refund. You can use Afterpay’s “pause payment” tool to delay payments if needed.
How to cancel a Afterpay subscription, service or order
Follow these steps based on your cancellation type:
- Close Your Account:
- Log into Afterpay (app or web) → Go to Account → Scroll down → Tap Close My Account
- Confirm your reason and submit. You must have a $0 balance to proceed.
- Cancel a Subscription/Recurring Payment:
- In the app: My Afterpay → Orders → Recurring Payments
- Tap merchant → Tap Cancel Recurring Payment
- Cancel an Order:
- Contact the retailer directly to cancel or return your purchase.
- After they confirm cancellation, Afterpay adjusts or cancels your payment plan.
- You’ll receive email confirmation from Afterpay. If no response from the retailer in 7 days, open a dispute in the app.
- Contact the retailer directly to cancel or return your purchase.
💡 Use the Afterpay app’s “push back payment” feature to avoid being charged while waiting on a cancellation or return.
How long does a Afterpay cancellation take?
- Orders: Cancel ASAP, before shipping or before your first payment.
- Refund Timelines: Once the merchant confirms a return, Afterpay cancels your future payments and refunds the rest. Processing can take up to 10 business days to hit your card.
- Payment Plans: If you’ve paid 1–2 of 4 instalments, refunds “cascade” backwards (i.e. future payments are cancelled first).
- Recurring Payments: Cancel before your next billing date to avoid another charge.
- Account Closure: Can be done immediately once balance is zero.
Afterpay cancellation fees and final charges – what to expect
- ✅ No cancellation fees for ending your account, subscriptions, or payment plans.
- ⚠️ Late fees apply if you miss payments:
- $10 after 1st missed payment (orders $40+), +$7 after 7 days
- Max late fee = 25% of order or $68 (whichever is lower)
- $10 after 1st missed payment (orders $40+), +$7 after 7 days
- 🔒 Account is paused until you’re caught up if you miss a payment.
- 💡 You can reschedule up to 3 payments per year to avoid late fees.
Afterpay cases submitted through Ajust
I asked Afterpay to cancel and stop my payments but I’m still being billed. It feels like I’m stuck paying for something I no longer want, and I can’t get any help through customer support. - Helen
I tried to cancel my upcoming payments because my package never arrived, yet Afterpay keeps telling me another payment is due. It’s stressful knowing I might keep paying for something I haven’t received. - Tamara
I accidentally subscribed to Afterpay Plus and cancelled it right away, but they refused to refund me. I never even used the service, and it’s frustrating that a simple mistake can’t be corrected. - Subodh
My order was cancelled by the store, yet Afterpay still took a payment and scheduled more. I’m left chasing a refund while money keeps leaving my account, which makes the whole process feel unfair. - Annette
Consumer experiences with Afterpay cancellations
✅ Smooth experience: Customers say cancellation is fast when the retailer acts promptly. Refunds often show up within 2–3 days after merchant approval.
⚠️ Delays common: If a merchant is slow to process a refund, Afterpay continues charging. Customers report needing to push merchants to act.
Afterpay Cancellation FAQs
Can I cancel my Afterpay account if I still have a balance?
You can only close your Afterpay account once your balance is $0. This ensures no outstanding payments remain. If you still owe money, pay off your instalments first, then close your account via the app or website. Closing your account is permanent, so make sure you won’t need it again.
How do I cancel a recurring Afterpay subscription to avoid future charges?
Cancel your subscription in the Afterpay app under Recurring Payments before the next billing date. This stops future charges immediately. Afterpay notifies the merchant, but it’s wise to confirm directly with them to avoid unwanted payments. You’ll also receive confirmation from Afterpay once the cancellation is processed.
What happens to my payments if I cancel an Afterpay order with a retailer?
Your payments continue until the retailer confirms your cancellation or return. Once confirmed, Afterpay cancels remaining instalments and refunds eligible amounts. This process can take up to 10 business days to appear on your card. Use Afterpay’s “pause payment” feature if you need extra time while waiting for the merchant’s confirmation.
Are there any cancellation fees with Afterpay?
Afterpay doesn’t charge cancellation fees for accounts, subscriptions, or payment plans. However, late fees apply if you miss scheduled instalments. These start at $10 and can increase to a maximum of 25% of your order or $68, whichever is less. To avoid late fees, you can reschedule up to three payments per year through the app.
Tried to cancel but Afterpay made it difficult?
We’ll help you submit a formal cancellation they can’t ignore.