Afterpay

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Afterpay Limited (abbreviated as Afterpay) is an Australian technology company and a buy now, pay later (BNPL) lender. Founded in 2014 by Nick Molnar and Anthony Eisen, it is now owned by Block, Inc. As of 2023, Afterpay serves 24 million users, processes US$27.3 billion in annual payments, and ranks among the three most-used BNPL services globally. Afterpay offers unsecured installment loans allowing shoppers to make in-store or online purchases, and then repay with a fortnightly frequency. It does not charge fees or interest to the consumers, unless they miss scheduled repayments, and does not check or affect the credit scores. The company charges merchants for offering its service, requiring that the charge is not passed on to shoppers. As of 2024, Afterpay operates as a subsidiary of Block, Inc., following an acquisition in 2021, and maintains presence in the U.S., Australia, Canada, France, Italy, Spain and the U.K.