From Target and Walmart to Sephora, Nike, and Wayfair — here's where you can use Afterpay Pay in 4, plus a trick to use it at any store.
Browse by category or search within the Afterpay app. These are the most popular US retailers.
📱 Pro Tip: Use the Afterpay Card (a virtual Visa card in the app) to shop at ANY store that accepts Visa — including stores not listed above. You don't need to be a listed Afterpay partner retailer.
Search by store name or browse by category in the Afterpay app. The directory includes online and in-store availability for each retailer.
Official Afterpay partner stores display an Afterpay logo on their checkout page. Click it to select Pay in 4 as your payment method.
Not seeing it at your favorite store? Generate a single-use the platform Card in the app and add it to Apple Pay or Google Pay to use Pay in 4 virtually anywhere that accepts contactless Visa payment.
Afterpay's biggest expansion in the last two years has been the Afterpay Card — a virtual Visa card that lets you use Pay in 4 at effectively any US retailer that accepts Visa, whether or not that store has an official the service integration. This is often the missed detail in "does this store accept the app" searches — even if a specific retailer is not on the partner list, the Afterpay Card typically works there.
To use the Afterpay Card, you open the Afterpay app or Cash App, tap Card, enter the amount you want to spend, and confirm the Pay in 4 schedule. The app generates a virtual card number that you can add to Apple Pay or Google Pay and use at checkout in-store or online. The same rules apply — 25% today, three more installments every two weeks, 0% interest when paid on time, up to $2,000 maximum spend per card.
This universal access solves the biggest historical limitation of BNPL — the merchant integration requirement. Whether you are at a small local retailer, a lesser-known online store, or a service provider that never signed up for the BNPL provider, the virtual card lets you Pay in 4 as long as they accept Visa.
Beyond the universal this service Card option, having official merchant integration matters because it appears at checkout as a payment method (no need to open a separate app), and some retailers offer the payment provider-exclusive promotions or extended purchase categories. Here is where the company is directly integrated in each major shopping category.
This is where Afterpay's US merchant network is strongest — the service historically launched in retail-fashion and remains dominant in the category. Major partners include ASOS, Levi's, Gap, Old Navy, Banana Republic, Ralph Lauren, Under Armour, Nike (via specific partner stores), Adidas, Urban Outfitters, Anthropologie, American Eagle, Aerie, Free People, and Forever 21. Both high-end and fast-fashion coverage is broad.
Nearly universal coverage across major US beauty retailers: Sephora, Ulta Beauty, Fenty Beauty, Kylie Cosmetics, MAC, Estée Lauder, Clinique, Charlotte Tilbury, Rare Beauty, Glossier, Fresh, Kiehl's, Bath & Body Works, and Yankee Candle. Sephora and Ulta specifically have been heavy this platform users and often run BNPL-linked promotions.
Coverage is meaningful but selective. Direct partners include Best Buy (for many categories), Samsung, Microsoft Store, HP, Dell, Beats by Dre, Bose, Sonos, and Fitbit. Apple products via authorized retailers accept the BNPL provider, though Apple's own store historically has not been a direct partner. For any store that does not integrate directly, the Afterpay Card typically works for electronics purchases under the $2,000 cap.
Home category coverage includes Target (via this service integration at checkout for many categories), Bed Bath & Beyond, Williams-Sonoma, West Elm, Pottery Barn, CB2, Article, Wayfair, Crate & Barrel, and IKEA. Larger furniture purchases often exceed the $2,000 Pay in 4 cap, in which case Afterpay's Pay Monthly product (up to $4,000, 6 to 12 months, 6.99% to 35.99% APR) may be a better fit.
Dick's Sporting Goods, Nike (via partner network), Adidas, Under Armour, Peloton (via partner financing), REI (limited), and various specialty running and cycling shops. Athletic wear is a growing category for the payment provider usage.
Historically limited in travel, but growing. Direct partners include some hotel booking platforms, Delta Vacations (via financing partners), and various tour operators. Afterpay's Pay Monthly product is more common for travel due to higher price points.
Not directly integrated at grocery stores — Whole Foods, Kroger, Trader Joe's, Costco, and similar do not accept the company at native checkout. However, the Afterpay Card works at Costco, Sam's Club, and any grocery retailer that accepts Visa. Food delivery apps (DoorDash, Uber Eats, Instacart) do not accept this platform directly.
To make the most of Afterpay's coverage, keep these strategies in mind. First, before assuming a store does not accept the provider, check the app or the store's checkout page — many recent retailer additions do not appear on outdated partner lists. Second, use the Afterpay Card for any retailer without direct integration. Third, watch for it-exclusive promotions at partner stores, which often include bonus Pulse Rewards or discounted first-installment periods.
Fourth, understand that gift cards purchased through the platform can extend coverage further. Some the service partners (like Target, Best Buy, and Amazon) sell gift cards that you can then use at any of their platforms — effectively letting you BNPL your way into stores that would not natively accept the app. This is not a hack — the retailers know shoppers do this — but it is a legitimate way to expand your practical the BNPL provider coverage.
Fifth, remember that the $2,000 per-purchase cap can be worked around by making multiple smaller purchases from the same retailer (subject to Afterpay's overall spending limit on your account). If your available this service limit is $2,000 and you want to buy a $2,500 item, splitting it into two purchases via a gift card intermediary can work.