What Stores Accept Afterpay? (Complete 2026 List)
In-store and online stores that accept Afterpay — with a specific focus on which stores are actually useful for clearance sourcing and retail arbitrage inventory funding.
In-Store Afterpay Acceptance
Afterpay works in-store wherever contactless payments are accepted — using the Afterpay Card added to Apple Wallet or Google Pay. Here are the major stores and their acceptance status:
| Store | In-Store Status | Notes |
|---|---|---|
| Target | ✓ Full | Afterpay Card via Apple/Google Pay. Best for toy and seasonal clearance. |
| Big Lots | ✓ Full | Afterpay accepted. Strong for post-holiday clearance runs. |
| Macy's | ✓ Full | In-store and online. Fashion and home goods. |
| Bed Bath & Beyond | ✓ Full | Where available — check locations. |
| Best Buy | ✓ Full | In-store and online. Electronics sourcing. |
| PetSmart | ✓ Full | In-store and online. |
| Walmart | ⚠ Limited | Limited in-store. Use Klarna at Walmart — it's the official partner. |
| TJ Maxx | ✗ None | TJX Companies do not accept any BNPL app. |
| Marshalls | ✗ None | No BNPL accepted — TJX policy. |
| Amazon | ✗ None | Amazon does not accept Afterpay. Use for sourcing only. |
Online Stores That Accept Afterpay
Afterpay has 100,000+ online merchant partners. Here are the major categories with key retailers:
How to Use Afterpay In-Store
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Download AfterpayFree on iOS and Android. Create an account and link a debit or credit card.
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Add the Afterpay CardIn the app, tap "In-Store" → "Add to Apple Wallet" or "Add to Google Pay."
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Shop as normalAt checkout, tap your phone on the payment terminal as you would with any contactless payment.
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25% charged nowAfterpay charges 25% of the purchase immediately. The remaining 3 installments are scheduled automatically every 2 weeks.
Best Afterpay Stores for Retail Arbitrage
For Amazon FBA inventory sourcing, in-store Afterpay acceptance at clearance-heavy retailers is what matters. The top picks:
The Starter Kit includes a store cheatsheet — which BNPL app at which store — for your next sourcing run.
Get the Starter Kit — $37Frequently Asked Questions
Afterpay has limited acceptance at Walmart in-store. For Walmart, Klarna is the better option — it is Walmart's official BNPL partner with full in-store and online acceptance. Afterpay works more reliably at Target in-store.
Yes. Target accepts Afterpay in-store via the Afterpay Card added to your Apple Wallet or Google Pay. Select Afterpay at checkout and tap your phone. Afterpay also works on Target's website at checkout.
No. Amazon does not accept Afterpay as a payment method. Amazon offers its own installment program (Amazon Monthly Payments) on select items, and Affirm financing on some purchases. For Amazon inventory sourcing, use Afterpay at Walmart and Target to buy clearance products and then sell them on Amazon.
Download the Afterpay app, add the Afterpay Card to your Apple Wallet or Google Pay, then tap your phone at checkout wherever contactless payments are accepted. Afterpay charges 25% immediately and splits the rest into 3 biweekly installments automatically.
Open the Afterpay app and tap the "In-Store" or "Map" section to find nearby participating stores. Target, Big Lots, Macy's, Bed Bath & Beyond, and many specialty retailers accept Afterpay in-store. Walmart has limited Afterpay in-store acceptance — use Klarna at Walmart instead.