Why is My Afterpay Account Frozen: 5 Top Reasons

The factors that lead towards an Afterpay account getting frozen can in many. In most cases, late payments seem to hold the responsibility. However, many users have found that alteration in the account details like phone number, address, etc., can also lead to a frozen account.

The reasons aren’t limited to that. Stay tuned as I uncover everything in detail.

Afterpay, the popular financial technology company operating in several countries across the globe, is best known for its ‘Buy Now Pay Later’ service that allows users to purchase a product immediately and pay for it later, in a way that is both hassle-free and interest-free for a considerable amount of time.

The company, which was founded in 2014 by Nick Molnar and Anthony Eisen, took the industry by storm because of the value-added service that it brought to the market. Since the interest-free period offered by the company is up to 6 weeks, many people have shifted from credit cards to this service, especially millennials. This is not a surprise because who wouldn’t want the ability to instantly be able to buy something they want and not be held back due to lack of funds temporarily.

But just like other platforms, issues and troubles aren’t far from Afterpay services. Have you ever received a message on Afterpay that says ‘Sorry, we are unable to approve your order’? Have you ever wondered why is my Afterpay account frozen? Well, you’re not the only one. A similar sort of issue has been haunting users for a long time.

Luckily enough, there exists a way out, and you’re at the right place because we will be addressing all issues related to ‘Why is my Afterpay account frozen?’

Getting frozen from Afterpay will look something like this: You will get a message on Afterpay stating, ‘Sorry, we are unable to approve your order. This account is currently frozen. This order cannot be completed.

The message reflects that for some reason, Afterpay has decided to freeze your account. What could be the reason? Why is my Afterpay account frozen? Why did Afterpay decline me? Worry not; better continue reading for the answers!

Reasons: Why is My Afterpay Account Frozen?

It is definitely a bummer when you get a message that says your Afterpay account is frozen. You may think the problem rests on the platform’s end and the question of why is the Afterpay not working needs to be answered by the owners or the support team. You’re partially right, but that’s not always the case.

Reason 1: Late Payments

In the majority of the cases, the reason for your Afterpay account to get frozen would be because you were late with payments on the platform. This is because Afterpay does not work like a usual credit card. So even if you are late with just one payment, your account would be frozen immediately.

Reason 2: Alteration in Details

Another reason to the question why is my Afterpay account frozen or why did Afterpay decline me could be that you have changed any information in your Afterpay account, for example, the phone number, email address, or credit card information. Afterpay account frozen because of this reason would require you to contact Afterpay in order to unfreeze your Afterpay account.

Reason 3: Incompatible Bank Account

Another possibility for Afterpay decline of payment or Afterpay not working would be if your bank doesn’t work with Afterpay or because of some change of rules in terms of service of the Afterpay platform.

Reason 4: Server Issues

The reason for your Afterpay account being frozen could also be that there is something wrong with the platform or the servers are down. In such a case, you can just wait for some time or try again later when the platform is back up.

Reason 5: Something Underlying

The last and very unlikely reason for a frozen account would be that if you asked for it! Yes, it is possible for customers to ask Afterpay to temporarily freeze their accounts! Make sure that this is not the reason for your declined account.

Any of the above reasons could be the answer to ‘why is my Afterpay account frozen?’

Solution: Why is My Afterpay Account Frozen?

It should be noted that if your account is frozen, the problem will not go away on its own, as long as only your account is frozen, and the app works fine for everyone else. In such cases, you would have to contact Afterpay online about the frozen account to get further details. Afterpay does not reply immediately to such queries, so you would have to wait for at least one business day to get a response.

You can also contact the Afterpay customer service, stay and hold press 0, and wait. Just let the person on the call know that is Afterpay not working for you, and the person on the call will help fix your frozen account after troubleshooting. The Afterpay customer service is available 7 days a week.

However, before you start getting in touch with Afterpay officials, make sure to have a look if the servers are working fine enough.

Here is how:

Launch a web browser on your PC or smartphone
Visit the official website of Downdetector
Hover over to the search bar and type in Afterpay
A graph will pop up as soon as you initiate the search. Study it and understand the number of complaints reported.
If it looks worrisome, wait for a few hours and check if everything returns on the working terms.

Resolving Disabled Afterpay Account

If your Afterpay Account has been disabled entirely, you can try resetting your password by clicking forgot password at the login.

Also, make sure that the app is updated and that you are not using the older version of the app.

Another reason for a disabled account would be if you have in any way violated the terms and conditions of the platform. However, this would be informed to you.

Frequently Asked Questions

1. How does Afterpay actually work?

Afterpay operates in a manner that offers all eligible shoppers to employ a product now and pay later feature that too with no interest, no credit cards, and no additional fees when they pay in the expected time period. The service is available at thousands of retailers around the world through the Afterpay app.

As soon as you make any sort of purchases with Afterpay the corresponding payments gets split into four payments. You will need to make a starting down payment as usual, and it should be made against the purchase then pay back the remaining payment over the period of six weeks. To make an Afterpay payment, you only need to create an account on the website or app, which can be done instantly.

After the Afterpay decline, the account should soon start functioning normally in the near future.

2. Can I ask Afterpay to freeze my account?

Afterpay offers the service of allowing you to freeze your account if you are not going to be active on the platform for a long time. You will have to contact Afterpay and let them know, and they will apply a temporary freeze on your account, which will prevent you from being able to shop using Afterpay. This might be a technique to prevent people from over shopping or getting into unnecessary debt. This freeze can be lifted any time, and all you have to do is contact them requesting so.

This could be another reason why is my Afterpay account frozen, so be sure that you haven’t requested for the account freeze long back.

3. How to know if my Afterpay account has been hacked?

If you think there is some suspicious activity going on in your Afterpay account, the first and immediate thing to do would be to change and update your account password. If Afterpay detects any breach, they are supposed to send an email to you stating the same. So be sure to check your mail to find out. It is also recommended not to use public Wi-Fi while shopping through Afterpay and to keep your passwords updated at least once every six months.

If you think a purchase has been made by someone else, you can check the delivery address of the purchase to see if it is any of your friends or family members.

4. What is the highest limit for an Afterpay purchase?

There is a limit set for the maximum amount for which you can make a purchase on Afterpay. You can make a maximum purchase of $1500 and hold an exceptional account limit of $2,000. There is also an option for setting personal restrictions so as to make sure that you do not overspend on any purchase.

5. How many Afterpay orders can I make at a time?

As a way to allow responsible spending and limit the collection of debt, Afterpay allows you to make up to 3 orders at a time.

Final Thoughts on ‘Why is my Afterpay account frozen?’

There could be numerous reasons why your account could get declined. We hope this article on why is my Afterpay account frozen is helpful to you and helps you figure out the reason why the Afterpay decline occurred to your account. As long as you take the remedial steps to reverse the freeze, the account will remain frozen and will not return to its normal functionality. So it is recommended to follow the steps to address the issue of the Afterpay account being frozen as soon as possible so as to get it fixed quickly.

[Fixed] Why is My Afterpay Account Frozen

Why is My Afterpay Account Frozen?