Issues like AfterPay account blocked from making purchases, AfterPay not working at checkout is pretty common and disturbing at the same time. During such a situation, you’ll find yourself asking, “why did AfterPay declined me? Why can’t I use AfterPay? Sadly any answer is hard to find. 

Sounds relatable? I’m here to take the pain away once and for all by simply answering all your queries right in one place.

Why AfterPay Account Blocked from Making Purchases?

The credit incurred by the purchases made by AfterPay account users is stored in their account and repaid before or by its due date. If the installment is not paid successfully, the credit begins to pile up. Additionally, AfterPay charges $8 late fees along with credit to be repaid. When the dues cross a specific limit, the user’s AfterPay account blocked from making purchases until all the dues are repaid.

Let’s dive a bit deep, understand AfterPay, and uncover every factor that might revolve around the issue, “AfterPay account blocked from making purchases.”

Read also: Why is my afterpay account frozen

What is AfterPay?

does target accept afterpay

AfterPay is an e-payment platform for online shoppers that allows them to postpone payments on products bought. This platform enables the users to buy a product without having to pay. Then, users repay the balance through 4 weekly installments on purchases. These installments are equally divided, which means that the same amount of value has to be compensated for each installment.  

Originating from Australia, AfterPay has spread into more than 40 countries and caters to more than 14 million customers around the globe.

How does AfterPay work?

With AfterPay, the user’s purchase is split into four installments, payable every two weeks with zero interest. The platform has set the minimum required purchase amount to at least $35. The maximum amount for new users is $150, but this limit increases to a maximum of $1000 after the user has established a history of timely installment payments. When a user misses their installment, late fees are piled up. Once the fees cross a certain limit, the user’s AfterPay account blocked from making purchases.

The operations model of AfterPay is customer friendly and is built based on user-convenient policies. To use this service online, the user has to choose AfterPay as their payment method at checkout. The goods will be shipped out to the customer in the comfort of their home. For in-store purchases, download the mobile app to set up the AfterPay Card and pay with it through Apple or Google Pay, aka GPay. 

How to Use AfterPay?

AfterPay has erected minimum entry barriers to its platform and using its services. To utilize its services, 

  • A new user who qualifies for the above criteria has to create an account on AfterPay. Creating an account requires a verified email address, mobile phone number, a valid address where the product can be delivered, and an authorized credit or debit card number. 
  • Filling out these details creates an account which is then sent to AfterPay for approval. An approval from the company indicates that now a user can make purchases using the account. 
  • The user can purchase from more than 75000+ retailers partnered with AfterPay. The purchase information goes to AfterPay, which scrutinizes the data, and, based upon the user’s history, accepts or declines the user’s purchase. If the purchase is approved, the user has to pay only the upfront 25% of the total amount, while the rest can be paid into four equal installments every two weeks. The company enacts this policy to encourage responsible spending. 

Why is my AfterPay account blocked from making purchases? Why Can’t I Use AfterPay?

The credit incurred by the purchases made by AfterPay account users are stored in their account and are to be repaid before or by its due date. If the installment is not paid successfully, the credit begins to pile up. Additionally, AfterPay charges $8 late fees along with credit to be repaid. When the dues cross a certain limit, the AfterPay account blocked from making purchases until all the dues are repaid. 

How to re-activate a blocked AfterPay account?

Your AfterPay is blocked from making purchases because you may have too much balance or missed payments. This policy is created to protect the users from spending over their budget, resulting in accumulating too much credit and ultimately not being able to repay the debt. This may result in their loss.

To re-activate your AfterPay account that is blocked, you have to pay all credit installment that has been piled, along with late fees that are charged according to company policy. Repaying this credit shall re-activate your blocked AfterPay account.

Is my AfterPay account being blocked from purchases and my account being frozen the same?

AfterPay offers their user the service to freeze their account for some period. This is different from the AfterPay account being blocked from purchases. The account is blocked when a certain limit of outstanding is crossed. 

While AfterPay offers their user the option to freeze their account for some time when they do not want to use it. This is a way to allow responsible spending in users. To freeze the account, you can contact AfterPay customer service and make your request to freeze the account. As requested, the account shall be frozen for a while.

Why is my AfterPay not Working at Checkout?

AfterPay may sometimes decline your transaction. That is why sometimes AfterPay not working at checkout. There are many reasons why the Risk Management department might reject your purchases. This is because the job of the risk-management department is to make sure that anyone who may use AfterPay services for their purchases can fully pay back the credit incurred. This is possibly the reason behind AfterPay not working at checkout, whether you are a new user or have a purchase history.

Some of the reasons why AfterPay may decline your transaction may be that:

Your credit card may not have enough funds, due to which your AfterPay is not working at checkout. AfterPay offers four equal installments that are done fortnightly. To ensure that the user can eventually pay for the product, it checks to see that the credit card has enough to pay for the first installment. If the amount on the credit card is not enough, AfterPay declines your purchase. To get rid of this problem, make sure to have at least 25% of the total investment on your credit card. 

Your AfterPay is blocked from purchases

Likewise, your transaction may be declined if your AfterPay account is blocked from purchase. This may happen if you have an outstanding balance in your account. This increases your risk profile and gestures that you cannot repay the credit. The Risk Management department may sense this, and your AfterPay account may be blocked.

You are a new user and buying something expensive.

Likewise, if you buy something expensive, AfterPay may decline your purchase. This is their risk-averting policy that stops you from buying much more than you can afford. 

The recommended way is that before buying anything more expensive than $100, you should first build a purchase history with AfterPay, creating a more assertive profile that reflects that you can repay your installments on time.Otherwise, buying expensive things with AfterPay can result in a substantial outstanding balance and your AfterPay account being blocked

For that reason, Your AfterPay may not work at checkout to stop you from buying those things.

You may have multiple open orders at once.

Another reason that AfterPay may decline you is that you may have multiple open orders at once. Open orders are those orders that are unfilled and still working in the market, waiting to be executed. Orders can possibly remain open, as there do exist certain conditions such as the one around the limit price that has not yet been met. Thus, having multiple available orders may increase your risk profile and lead to   

AfterPay Account Blocked From Making Purchases: The Ultimate Solution

I know its tough to encounter the issue, AfterPay Account Blocked From Making Purchases, time and time again. But you need to understand that coming out of this situation needs you to have patience. 

  • First things first, understand why is AfterPay is actually blocking your purchases. Doing it is pretty simple; just walk through the section mentioned above. 
  • Once done, try rectifying the elements which are wrong.
  • After that, attempt to make any purchase and check if you’re successful.

In case, AfterPay Account Blocked From Making Purchases continues to bother, head over and get in touch with the AfterPay Support team.

Other Related Queries: AfterPay Account Blocked From Making Purchases

1. Why can’t I use AfterPay?

AfterPay is a global service that allows everyone to use its services. You may not be able to use AfterPay because your AfterPay account blocked from making purchases. This is due to the outstanding balance in your AfterPay account. To make sure that you can use AfterPay without any problems when you head out, you should clear all your dues in time.

2. Why did AfterPay decline me?

Due to regional and spending restrictions, AfterPay has certain limitations on using the app. It requires a user to be above 18 or as the area law dictates, and they should be able to enter into legally binding contracts. The user must have an authorized debit or credit card to make purchases. The request is sent to AfterPay for account approval when creating an account. If your requirements are not met adequately, AfterPay declines your account. So make sure to provide all the details as required. 

Conclusion

AfterPay is an excellent service that allows the user convenience in payments and purchases. The downside of AfterPay is that it encourages overspending and irresponsibility in assets, an issue fundamentally present in all credit services. 

To avert this problem, AfterPay has the policy that your AfterPay account blocked from making purchases when the outstanding balance crosses a specific limit. This policy helps the user take a break from the vicious cycle that keeps increasing the dues and reflects upon its spending, directing the user to be more responsible while giving them the time to repay all the debt incurred. 

That’s all you need to know about, AfterPay Account Blocked From Making Purchases.

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