> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developers.cash.app/afterpay/guides/welcome/getting-started/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developers.cash.app/_mcp/server.

## What is Afterpay?

Afterpay lets your customers make purchases and pay for their purchases over time. When customers pay each installment on time, using Afterpay is free.

Some customers qualify for Pay Monthly, which offers credit with interest payable between 3 to 24 months.

> **Note**
>
> Afterpay is for US merchants and partners only.
>
> If you're a merchant operating in Australia, New Zealand, or Canada, see [Afterpay](https://developers.afterpay.com/docs/api/welcome/getting-started). If you're a merchant operating in the United Kingdom, see [Clearpay](https://developers.clearpay.co.uk/clearpay-online/docs/getting-started-with-clearpay-online).

## Why use Afterpay?

**For merchants:**

* We pay you upfront and take on all credit and fraud risk
* We help raise your Average Order Value (AOV) and conversion rates by increasing purchasing power
* Customers look to Afterpay to discover new brands, providing merchants with a valuable source of new customers

**For customers:**

* We split the total order amount into four installments, taken automatically every two weeks
* It’s free and simple to join - just download the app, then set up an account in minutes. Eligibility criteria apply
* There is no interest with Pay-in-4 and no fees when customers pay on time. Customers who qualify can use Pay Monthly, where payment is spread over 3, 6, 12 or 24 months with interest.
* Customers can use their Cash App account to pay for purchases in four installments

## How Afterpay works in the United States

In the United States, Afterpay is available to both Afterpay and Cash App customers through a single checkout experience.

For merchants updating an existing US integration, there are small changes to the Afterpay logo and messaging on your product and checkout pages. There aren't many changes to your backend operations, payment processing, settlement, or other technical processes.

> **Important**
>
> If your app uses an explicit allowlist of Afterpay domains, you *must* add `api.cash.app` and `cash.app` to the allowlist.

### Migrate to Afterpay

If you're an existing US merchant who needs to update your Afterpay integration, see instructions [here](/cash-app-afterpay/guides/welcome/migrate-from-afterpay-to-cash-app-afterpay).

## Docs

- [Cash App Pay vs Afterpay](https://developers.cash.app/afterpay/guides/welcome/getting-started/cash-app-pay-vs-afterpay.md)
- [Cross Border Trade](https://developers.cash.app/afterpay/guides/welcome/getting-started/cross-border-trade.md)
- [Support](https://developers.cash.app/afterpay/guides/welcome/getting-started/support.md)