Afterpay Fee Calculator
Four instalments, one merchant fee.
Processor pricing varies by country, card type and whatever you negotiated, and it changes without much notice. Take the real figures from your own statement — these defaults are a starting point, not your account.
Afterpay fee per order
$6.60
4.71% of a $140.00 order
The fee is $3.55 higher, but the order is $45.00 larger — so each Afterpay order is worth $21.21 more in gross profit. That basket lift is the whole case for offering it. Published rates run from about 4% to 6% plus a fixed fee, negotiated by volume. Merchants are paid up front and Afterpay carries the non-payment risk, which is what the premium buys.
How the Afterpay Fee Calculator works
Afterpay splits a purchase into four instalments for the customer and charges the merchant a percentage well above card rates for the privilege. You are paid in full immediately and carry none of the default risk — which is what the premium is actually for.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What does Afterpay charge?
Published rates run from about 4% to 6% plus a fixed fee, negotiated by volume and category. It trades as Clearpay in the UK with comparable pricing.
Is it worth the fee?
It depends entirely on the basket lift and your margin. On a 55% margin, a 4.5% fee needs roughly a 9% increase in order value to break even. Fashion and homewares clear that easily; low-margin commodities often do not.
Who carries the risk if the customer stops paying?
Afterpay does. You are paid up front in full, and non-payment is their problem. That is the fundamental difference from offering credit terms yourself.
Does it attract different customers?
It skews younger and toward customers who budget by cash flow rather than by total. Whether that is a new audience or your existing one paying differently is the thing worth measuring before you judge the fee.