Name: Afterpay - Buy Now, Pay Later
Rating: 4.92834 (746447 reviews)

User Reviews for Afterpay - Buy Now, Pay Later

4.93 out of 5

746.4K Ratings

2 years ago, Southern Sunshine Girl

Convenient

I can’t tell you how much I love, love and appreciate the convenience of Afterpay payment plan. The economy prices has gone up tremendously, with Afterpay it allows you to get the things you need right away when you can’t afford the full price all at once. It helps as well to keep you from borrowing money from someone and getting yourself in a bind when it’s time to payback. How many ppl do you know will allow you to pay them back in installments? These days everyone need their money back all at once, or don’t have it to loan. With Afterpay you don’t hv to worry about that hassle. This payment plan with Afterpay prevents you from owning anyone but them, not to mention it helps you get what you need right then not wait until you finish paying the full payment. You’re able to pay on the payments by the time you get paid! 😍The absolutely great thing is, if you don’t hv the money when it’s time to pay, you can get a few extension. I needed an expensive car part that I couldn’t afford to pay in full, and get my car fixed all at once. I needed my car to get to work to make money. Thank God for Afterpay convenient payment installments, I was able to get the car part, and afford to get my car fixed all at the same time! Yess! I didn’t have to worry about paying someone back a loan all at one time.. Win, win situation with Afterpay! I absolutely love Afterpay! 😃 I only wish they will allow you to pay a few bills through Afterpay. 😆 Maybe one day.🤞

1 year ago, Shandi Williams

Great company!

This company is the best! They offer so many different options for shopping. They are very generous with their amounts they offer to customers. I signed up a year ago due the Christmas season as a trial for myself to see if these type of companies are worth using, and let me tell you this is legit. They started me out at 300 at first, which I believed was very fair. I made 2 different purchases for Christmas gifts from different vendors and made the convenient 4 payments. Then after proving myself, as soon as the next month they raised my spending limit significantly. This company is very generous with their credit raises and they are also quick to recognize and reward the customer that presents good payment history. They also have a virtual card that you can use at vendors like Ulta where you can shop in store and make payments that way if you preferred. I haven’t used that feature yet but that too is a great option if you’re out and about shopping. For example,the rewards include having the option of making bigger purchases and paying monthly as well as bi weekly. I have not had any problems with returns either. They are quick to refund any overage amount and you don’t have to wait weeks for the return of funds, it’s immediately refund back to whatever card you used. The payments are small and manageable. This is a great company, I highly recommend! Thank you AfterPay! I’m glad to be a customer!

3 years ago, Coopster2012

Fantastic Idea Verses CC Debt!

This popped up when I was making a purchase online from somewhere else and decided to go ahead and apply… I was immediately approved for $300 of credit line and when I paid that off, I turned around and bought a pair of pants that I’ve been dying to get from White House Black market! My favorite turquoise pants ever that were over $200! It makes it extremely easy to get what you want when you don’t have the funds immediately or don’t want to use your credit at that particular time because there’s no interest and no application fee. I was approved within less of a minute and once I paid off my first two purchases, my credit line is now up to $1200! I saw that someone stated something about insufficient funds when it’s payday for AfterPay and all I can say to that is, if you’re living day by day (week by week/payday to payday) financially, you probably shouldn’t be shopping online anyway… 🤦🏻‍♀️🤷🏻‍♀️ This person was complaining about insufficient funds because she couldn’t make her payment on time, again.. don’t play the “Rob Peter to pay Paul” type deal. If you can’t afford to shop, simply do not shop! (They do NOT report to credit bureaus nor will it help your credit score) It’s simply a great way to shop especially right before Christmas! Thank you AfterPay!

2 years ago, Shannation32

Used to LOVE the options here much more!

I love being able to purchase items I need for my kids and being able to break it up into 4 payments. I can budget this into my life so much easier than getting hit with massive charges all at once. I gave the system 3 stars because they have started to block my purchases to 3 and their rewards program seems incredibly skewed. I have never been late or bounced a payment. I have consistently earned the option to not make my first payment and I even have that option turned on, while I understand this doesn’t work for all purchases, it currently does not work for me on any. When I first earned this over a year ago, it worked all the time. I reached out to customer service to see if I needed to do something different or if it was just something not eligible to me. Their reaponse was generically answered by a robot and had nothing to do with my question. I make every payment early and I have only ever moved one payment the entire time and ended up making that payment earlier than anticipated as well. I feel like the promises being made are not actually followed through regardless of your spending limit or your payback track record. I have started to move my business to other platforms that continue to function as promised and follow through with their own rewards program. I wish that Afterpay would fix these issues because this used to be my favorite system to use.

1 year ago, De'Lay

So convenient!

I signed up for Afterpay a year ago and was given a nice spending limit. Most buy now pay later apps only start you off with $100-$150 & Afterpay started me off with a lotttt more. Which was a plus. My spending limit is now in the thousands! (With good payment history) Afterpay had a chat system for customer but I no longer see that feature anymore. Instead you have to email customer service through the app, but each time I emailed them or started a ticket, I received a response within 24 hours. Which is also a plus. There’s only two cons in my opinion. 1.) If you don’t make a payment on time you’ll lose your entire spending limit & they’ll start you $0! I had to get a new card & forgot to update it on the app. Afterpay is set up with automatic payments so I didn’t think to check my email. The very next day my spending limit was at $0! I was able to contact customer and they were able to rectify the issue. Although my spending limit wasn’t what I started with, I was completely fine with that because at least it wasn’t at $0 anymore. I did have to work my way back up which didn’t take long at all considering I use this app frequently! 2.) I wish good payment history is reported to the credit bureau! If it was, this app would do wonders with helping people build credit. Especially if a person doesn’t have any!

2 years ago, Delphine39

Incredibly Genuine No Fee Payment Plan

Having had credit issues in the past that continue to hang on me like a dark cloud and dissuade credit card companies to accept my applications for credit, even businesses that can see from my purchase histories I spend hundreds of dollars on certain products consistently and paid in full. Afterpay for some unknown, Heaven sent reason offered me credit and once I paid on time and consistently for a few higher dollar value purchases, has given me a $2,000 credit line and in all honesty, a sense of financial self respect that no other issuer of monetary credit, even my BANKING INSTITUTION, that knows how much money I have and regularly earn from my job paycheck deposits. I am so grateful to have found Afterpay and be able to feel the sense of self respect that comes with being able to buy certain things that I benefit immensely from bring able to pay off over time, so I can realistically still pay my rent, utilities, heat, internet, etc. and as a hard working single mother still enjoy some of the other things we need or want in life that I otherwise would have to choose between it and the former said expenses. Thank you, Afterpay for existing and for giving me a quality of life that I couldn’t have otherwise in my current financial situation.

2 years ago, JESSEJAMESTRAP

Awesome

Well I’m ashamed to say I don’t have the best credit and after trying many “split payment” apps and getting the runaround and a headache I was skeptical to download Afterpay. I finally did and everything about this service is perfect for me. Easy to use (had one setback the first time I tried to use it in store which was partially my fault, but I got in touch with customer service and once again i was impressed. Maybe my standards are too low but they walked me through it perfectly and now it works flawlessly. They also approved me for a $1000 limit and allowed me to use my TurboTax Visa debit card, which is my main debit card/ account, as a payment option when every other split payment app uses Plaid which doesn’t recognize GreenDot as a real bank. I will continue to use Afterpay for as long as I can and anyone I think could benefit from it. The only things close to “cons” about Afterpay is the amount of places ( there are lots) where you can use it but that’s not Afterpays fault and that you can only have 2 orders open at a time. Once again that’s not really worth complaining about and probably helps in the long run since you don’t have too many payments to make on different days. I wish every store accepted Afterpay. It’s AMAZING!! Highly recommend!!!

3 years ago, erinnnnn_s

I LOVE AFTERPAY!

Such a great app and a great idea! I have used other 4 payment apps like this and they arent bad either, but afterpay is my favorite because of the pulse rewards! It motivates me to pay off my payments earlier so I can get the points towards my 30 purchases so I can get the extras like no first payment when I order! I love the deals and discounts I can get also. They are always showing you what stores are having sales or really good percent off deals! There is a great selection of name brand stores as well as stores I have never heard from before and would have never known about if it wasnt for this app. Small businesses need our help more then ever right now and this is a great way to do that! There is also an in-store payment option for some of the places as well!!! The app is great design wise too, so easy to navigate and has it all broken down for me so I know what I have to pay and what is paid off etc. It also makes it super easy to make my bi weekly payments with automatic payments or if I want to pay it off early I can do that with just a click of a button and its done! They send you a reminder email a few days before your payments due so you never forget! I probably spend way to much money using this app but hey, you only live once!

2 years ago, mike_izzy

Great App and it Sure comes in Handy!!!

I don’t have anything bad to say about Afterpay, but I do have a suggestion. First let say that Afterpay is very helpful, specially to those with less than satisfactory credit. It takes a chance on us and give us an opportunity that many others have denied. If you’re getting something for yourself, a loved one, or maybe a last minute gift for a friend or coworker. It really doesn’t matter because they have a variety of stores from online to in store shopping. Just pay your first out of four payments up front. There is not interest or hidden fees, all you have to do is pay on time. You can even purchase gift cards, though they are limited. I am very happy with Afterpay. My only suggestion would be to extend the pay in 4, to pay in 6, or even pay in 8. This could be done for customers that have had a couple of pay in 4 contracts completed and have demonstrated that they are trustworthy to pay what they borrow back. Give them that as an incentive for their timely payments. It would help with every single type of purchases, especially big ones and/or multiple ones. In all, thank you Afterpay, you’re still awesome.

2 years ago, Candi.Mirage

Not just for people on a budget!

I use Afterpay to space out my payments so that it doesn’t all hit my credit cards at once, helping me to maintain low utilization on my cards when my statements are reported, because I can pay the smaller payments right back off every time I get paid. I like using it when I know my statement is about to come out, but I need to buy something right away, because my cards won’t show high usage since I’m sometimes not even charged the first payment until 2 weeks after my purchase! You have to be smart and make these payment plans work for you! Even if I accidentally missed a payment by a few days in the past, once I paid it off, my spending limit didn’t take long to shoot right back up. There’s only one pretty major thing I’ve recently been turned off by with AP. For the past couple of years, I’ve built a rapport and higher spending limit with them since I almost always use Afterpay anywhere it’s accepted. Lately they’re now not letting me use my account at some participating stores and declining the purchases for unexplained reasons even when I have plenty of spending credit available. But other than that, if you’re a smart shopper and not just using this to spend what you don’t have, it’s great !

9 months ago, amillixo

Extremely disappointed

I am extremely disappointed in this app & their customer service. I have been using their services for about 4-5 years now & have always paid my payments on time as I had them on auto-draft. I eventually earned my limit up to $2,600. This month my debit card expired & my bank sent me a new one & as soon as they did I logged into Afterpay & updated my card info. As soon as I changed my card information, they changed my limit to $50!!!!! They took $2,450 away from my limit bc my card expired!!!! When I FINALLY was able to get in touch with someone from customer service - they told me it changed due to a $10 payment being ONE day late due to my card being expired. I tried explaining that it was out of my control & I logged my new card in as soon as I received it in the mail. I was then told that there was nothing they could do because everything is controlled by the computers & that the best thing for me to do is to slowing build my limit again by making more payments. It took me YEARS to get to where I was to only be stripped of it in the matter of seconds due to something completely out of my control. 10/10 don’t recommend their services. Also, they don’t have a customer service phone number for a reason & that reason is because they can’t help you with ANYTHING. Very, very disappointed after all these years of loyalty to them. Would give ZERO ⭐️ if I could.

3 years ago, Caplmom

Ok App

My first two purchases went through without a hitch but the next purchase ($45) got declined even though I had what they stated was a possible spending limit. Thier disclaimer is ridiculous. If I'm going to get declined for further purchases then why even put that amount there. All other bnpl apps give you exact dollar amount you are allowed to spend. I had no issues with payments until I had to get a new debit card. I put the card in and I thought I made it my default card but when my payment was due they tried the old card ( it didn't let me take that one out) and the next day I get a text stating my payment didn't go through. I went in and immediately made the payment choosing the correct card. A week later I noticed that my spending limit went down to $16 even though I had only one account with a balance of $33 left. I do not plan on making another purchase ever again with Afterpay. Klarna and Zipit are much more user friendly. You can add and delete cards at anytime, the amount your allowed to spend is clearly displayed without a disclaimer and it is immediately impacted when you make a payment. Klarna allows you to change due dates and the dates can even be out by two weeks. The customer service woth afterpay is terrible as well. It took almost four days for them to respond to my email versus an immediate resolution with Klarna chat.

7 months ago, Jechua F

Great company terrible customer service

I started using Afterpay in the second half of 2023. I really did appreciate it and since I was using it so often, my rank did grow exponentially although during the holiday season, I was having a little bit trouble with my baking information I’ve tried to get in contact so I don’t have a late payment but the second, my payment was late they took all the money that I had for the four installment pay. I message customer service three days ahead of time that my card was not working and I wanted to change it recently. I’ve had another issue and I’ve been on delivered for the past six days, I don’t understand how you expect to run a company and then once the customer makes one mistake treat them so terribly I’m still not able to change my card and to be honest after I’m done paying all my debts, I’m gonna delete the app because this is ridiculous and a bad habit so if you’re reading this, I wouldn’t recommend Afterpay unless you 100% need it. Don’t be using it for every day needs only for something that you really need at this point in time to be honest if you really don’t have it, you shouldn’t be spending it point blank, I appreciate it my time with Afterpay but I think it’s time for me to start spending based on what I have and what I have

2 years ago, Life Driven by Google

Simple. Secure. Endless Choices.

“This app was ideal for me not only because I was working as a temp at the time I came across it so being able to pay on a certain date and only have to put the first payment down I knew when I needed to work to pay for that purchase and they were very generous with credit, the stores are endless from small local/national businesses to Big Box to CVS/Convenience!! & even LUXE like my Personal Fave Alex and Ani, Pandora, SKETCHERS & MORE! Earn Cash Back, Rewards Increase by Stacking Eligible Coupons, Free Delivery Flash Sales by Tier the more you use it how much $ complete the four payments NO INTEREST pay it in 1-2-3-4 payments you choose. Go for the Highest Tiers to have access to extra rewards coupons and special deals based off your views. Do not turn away if you were rejected from one of the other type of four payment companies unlike those companies where they check your credit I have an income that is regular and I should not have been refused by affirm or sezzle up I don’t even think that exists anymore but affirm is and ready to pull your credit. Oh🙄 well DUH MY POINT IS THAT AFTERPAY - NO CREDIT CHECK & NO INTEREST!!!!!.” Kaitlyn G.

2 years ago, Panache54

Great Option!

After Pay is an excellent option for financing big or small purchases. After pay does not hit you with a bunch interest or gouging fees for using their service. You also have the option to pay in full. I’m finding I prefer using AfterPay over my credit cards. I watch my credit report and I discovered that Credit Reporting agencies ie Experian, TransUnion report negatively if you charge 1$ over half of your balance on your credit cards. That’s insane and very oppressive and controlling. As long as I’m current and pay on time should be what counts. Plus I pay my total balance monthly. I highly recommend After Pay. There are some similar companies like After Pay but their methods and how their service is managed is frustrating. You can’t get a live person to help you with issues. They are not as organized with reminders and alerts like After Pay. I’ve mainly used After Pay for small things because I don’t want to use my credit cards but I recently purchased a home and will be using it for more substantial items. After Pay has been a good thing for me and I highly recommend!

2 years ago, jasmbak5

Sooooo Amazing especially when on a budget

After pay is an amazing way to pay as you go! Sometimes I just can’t make the payment all at once, whether it be the kids needed something, a new bill or even prices going up….. so once I found out about after pay I started using it where I could to help spread out some of my payments until the next pay day or at least until I was able to make a little extra side money! You always want to make sure you never miss a payment! It is still very a bill that needs to be payed even after you receive the products! And I’m sure it will very much go on your credit if you don’t! And nobody wants that. It’s convenient for me in this season of my life where I took a big pay cut! You can even reach certain tiers when paying your bill on time and with that earn rewards! So you save money, you get the product to you before you fully pay it off, you earns rewards and you can use it for many of your popular places in store or online; I mean who would want to try and utilize this option 🙌🏽! Thank you 🙏 Afterpay, for even being an option!

1 year ago, Emspar94

Very Unforgiving and Unhelpful

This was my absolute go-to app for pay in 4s. I was struggling a lot last year (finally seeing the light at the end of the tunnel) and this app saved me. I forgot to pay one payment on time, paid it the next day (I forgot to update my card on file). That was my mistake; however, they dropped my spending power by HALF. That’s insane to me. I literally paid it the next day. Other apps (like Klarna) just try again and work with you. Anyway, I had a second payment in the form of an e-check and realized another charge came out of that bank and it was going to bounce. I tried to work with them and even paid the next installment to rectify the situation. Their app claims to be there to help. The customer service agents did not understand my questions when I was very clear and gave me very automated responses. I paid twice the amount and ended up not being able to use the app and had my rewards status taken away. This is the most unforgiving an app could be. These types of apps usually exist to help people and this one did until it didn’t. I tried everything to keep a good history with them and by any other app’s standards, it is a good history. This is a heartless app and the customer service agents are unhelpful. Use Zip or Klarna if you can help it. They have more variety of where you can use their services too.

3 years ago, JackieBangBang

Shopaholic’s Dream

I love Afterpay. A little TOO much lol. I’m thankful that it only allows me to have only 4 open orders at a time because I have an insane shopping problem. But it’s so convenient and easy to use. My credit is not that great either and they didn’t check my credit or add any ridiculous additional charges (if they charge anything at all). I wish I could use Afterpay to build my credit tho! Lol. I’m impressed with the variety of stores that allow you to pay with AP. I used it through Finish Line for shoes, Buy Buy Baby, and I recently purchased the DB Method squat machine using AP. I’m hoping to get a nice tv! The app and site are easy to use and viewing your orders and payment schedules is not complicated at all. You can also change the payment date or get an extension. I’m also very pleased with their response to refunds. I had a package from Finish Line get stolen and I was able to get a refund easily without dealing with anyone but Finish Line. No having to go and file any reports or claims or making any annoying phone calls. All smooth sailing. I love this dang app so much LOL.

5 years ago, FTGW21

Very Frustrating

I first started using Afterpay last month when I made a rather large order. The idea and the concept is really cool but the app is a pain to use. I made the first payment on my order two weeks later as scheduled and it gave me a notification saying that the payment went though and it gave me my new remaining balance. Two days later, me email gets bombarded with emails from Afterpay saying that my payment was declined and they had tried to take the payment over and over again when it didn’t work the first time. When I first authorized the payment on the app, I had the money to cover the payment. When they tried over and over again to make the payment, it overdrafted my checking account and put me in the negatives screwing me over for groceries. Just recently, I had to make a switch to a new debit card through my job and when I tried to add it to my payment methods, it kept saying “Oops! There was an error in your billing information! Please try again!” Even though all of my info was correct. I went to the customer support section and found out that until the first order that you made is completely paid off, you can’t add another payment method! This service is not convenient at all and is a massive headache to try to use. I am going to pay off what I owe and I’m never using Afterpay again. I definitely would NOT recommend them to anyone.

2 years ago, bhvbbbn

There’s no point in this system.

My afterpay was approved. I’m thinking great this is perfect especially with back to school shopping coming up, price jumps and gas prices I’ll be able to get some shopping done worry free … WRONG. I’m approved a dollar amount, after my first purchase I try again you know now that I kno I’ve been approved.. purchases are declined. Not an outlandish amount total purchase was under $80 leads to an installment of under $ 20 declined still I reach out to customer support, I’m given a very vague response. Ok w.e I’m thinking I get it the stores are all different. Declined again and now I notice my approved balance has lowered.. i reach back out and was given a response “ it was lowered due to multiple declined purchases “. so I’m being penalized because afterpay isn’t allowing the purchases..How am I supposed to use something that I’m approved for but yet being denied. How am I supposed to know if my purchases will be approved or not without trying?Especially when I just used it? How am I supposed to advantage of this installment service if I’m denied and then given a lower amount that. Ultimately, is going to be denied and just continuously lowered and then, I’m gonna be held accountable and penalized for that, THE CUSTOMER??! HORRIBLE. 0/10 WOULD NOT RECOMMEND I’ll pay off my current purchase and will not come back.

4 months ago, Macklin1993

Horrible customer service

If I could give 0 stars I would, customer service is horrible. My account got frozen because I got picked at random for review to make sure I wasn’t fraudulent (which I can appreciate) they ask me for my driver license and a copy of my bank statements I share them both. They tell me after reviewing my names don’t match when they do but not only do my names match it matches on my bank statements too. The only difference is my legal last name is hyphenated I never go by it unless it’s for legal purposes. Since Afterpay does NOT go through the credit union I didn’t see the need to use my full legal name. Now they ask me for a copy of my birth certificate, I said sorry I don’t see why you can’t use what I gave you as there is a huge hacker increase all around ( I don’t know exactly whose messaging on the other line) they proceed to tell me that they are highly confidential but I’m sorry again I’m not comfortable sending it cause let’s be honest what’s next my social security number? If my job and my taxes which go through the IRS can use my name as is without needing me legal hyphenated name why can’t Afterpay use it how it is?! With the same address attached that I’ve been at for ten years!!! SO THEH CLOSED MY ACCOUNT!!! not only did they close it but I can’t remove my cards from my account either WILL NEVER USE AGAIN!!!

2 years ago, Queen Carol

Such a helpful way to shop

Now anyone who knows when you amortize anything, that’s a breakdown of you paying something overtime. A.k.a. this is layaway. It’s a very simple concept. It’s a very simple program. But in today’s age where paychecks and expenses are so fragmented, they are not as straight line as they should be, it really helps out when you do want to purchase something for yourself or a gift or it’s the holidays that you can have a new way to do layaway. Afterpay makes it very easy to see when the payments are due. You get a text message. Or you may get an email or both. The reminders don’t feel like you’re being hassled. There’s simply letting you know hey you have a payment coming up. I love seeing how much I’m able to borrow but it also lets me know that unless I have the money to pay back it’s best not to borrow everything all at once all the time. And the emails let you know that if you need some extra time all you have to do is contact them and they are more than willing to work with you. So I really love this app and this program.

3 months ago, Infinitespit

Would be five but something’s need to be better

I’ve had afterpay for a while now and though it’s a good with a wonderful pay in 4 concept I have to give it three stars for the way it operates. Let’s just say it’s not taken everywhere and I’m glad that they started to allow monthly payments as well. The only issue I really have with it is how much your balance will drop if your 24 hrs late on a payment. You can change your payment date but at best you can push it 7 days out. There has been a few times where my due date came up before I got paid and I couldn’t change my payment date to the date I needed to make a payment. As a result I made the payment one day after it was due and my balance went from 1000 down to 260. I think the penalty needs to occur after atleast 48-72 hrs of a missed payment. I also feel that if some unforeseen event happens you should be able to workout something as to where you won’t miss a payment and your balance won’t be effected or we should get a one time late payment forgiveness on your current pay in 4 cycle. These things I’m sure will probably never happen but it’s just my opinion and the reason why I gave 3 stars.

10 months ago, Katrinapet

Bot operated almost

My phone was broken and the only way I could log in was through my phone number. I managed to remember my password thankfully but they had already emailed me to pay several times. With no help to login at all. I ended up paying off my fees, they don’t tell you once you’ve completed ur fees that ur account will be closed just because you didn’t pay it back for a while. It’s understandable i do get it it but it’s more of the fact that u just receive a red alert after trying to purchase telling you you’ve been blocked and to pay off all your fees. I messaged support and I wasn’t surprised with the customer service. “ we can confirm your account was repaid and closed” not correct I stated with reaching them out that I just wanted to know what was going on and they declined their services for future use; “unresponsible spending” is far from the truth due to no access and the ways they make it impossible for you to sign in. I hope they become more realistic. I just wanted to close my account which it won’t even let you after you pay it off or already told them to. I recommend klarna because I had the same issue with them and they did help me and understand me. They also take away your rewards aren’t allowed to gift it to anyone at-least.

8 months ago, __jazmine_

Don’t fall on hard times!

This app is great I really loved using it while I had it but unfortunately I fell on hard times due to my house catching fire and losing everything. They have a section where you can submits a hardship request so you have time to pay them back. I submitted that form and was set on a payment plan so I didn’t lose my account I even sent in pictures for proof, there wasn’t a specific date that I had to be caught up by so I figured as long as I get the account paid I’d be able to use them again. WRONG even though before my tragedy I was on time with all of my payments and always paid my balances off they didn’t take that into consideration. So what’s the point in reaching out for help? I don’t think this is fair as I have a good payment history I just needed afterpay to work with me while I recoup from losing every owned. The app is great but make sure these people get their money no matter what. P.S paying your balance doesn’t mean they will let you use your account again so keep that in mind, they will take your money no problem but they will lock you out of your account.

2 years ago, Mamatomyboo

Tempted to remove a star

I am tempted to only give 4 stars because the one (and only way IMO) Afterpay could better is if there were an option to use it to improve credit. I get that to some people that it’s a perk to not have Afterpay hurt your credit, but there’s also the other side of people that could definitely use the perk of having it reflected on our credit. I am a very responsible person and no matter what, I find a way to cover all of my bills every month. The problem is, I am a single mom of 4, I work 4 jobs, I can’t remember what sleep feels like and I have sticky notes to remind me to look at sticky notes because I have so much to remember that it’s hard to get it all done. So having Afterpay automatically take the money from my account is like the best thing in the world for me. Now if I could just get the credit bureaus to see that I do pay my bills so I can start recovering from my ex crashing my credit score… life would be perfect. But other than that, I love Afterpay. So many great stores and I see more every time I pop in.

2 years ago, Sherry$59

love afterpay

i love afterpay because it give me away to get the thing i want and pay easy payments the only thing i do not like you pay on some thing and went reach out to the seller they do notRespond you're paying on things and post to be delivered in a timely manner and they're not being delivered to reach out to him you get no answer I would like to know how do you get to talk after pay customer careIf they can get in touch with the seller to deliver your products I'm on my last payment for products from totes & caringI have not got my stuff yet it's been since December here is the almost the end of January and I reached out to them three or four times and still have not received my item or any way to make this right so you need to fix some type of problems when you allowing people to use your service I will keep on using after pay because I enjoyed some of the service liked it to other people thank you for allowing me to use your service happy customer but not a happy customer. ms Baker

6 months ago, ajmr560

Used to be a good app

This has been my go-to app for years due to the convenience, and I even earned the ability to sign up early for the “Afterpay plus” card in addition to having 0 payment upfront. In the past several months their actions have caused me to lose trust in this app. First of all, even though I had spent THOUSANDS of dollars with this app and had not missed a payment on a single installment, they cancelled my access to the Afterpay Plus card for missing one $5 payment (the monthly fee for the card itself) due to the card it was linked to being expired. They refused to let me rectify the issue or regain access to the card, and their reasoning was because they “take responsible spending very seriously.” I have literally missed ZERO payments and attempted to rectify the second I found out something was wrong. Secondly, I got a notice that they are getting rid of the rewards program and with that, the ability to pay $0 upfront, which is the main reason why I used Afterpay vs other pay in 4 apps such as Zip or Klarna. Whatever new rewards program they’re coming up with, if it doesn’t include this or something better, I will never be using this app for any purchase ever again and will switch to a company that actually treats its loyal customers right.

2 years ago, Shay nonamous

I wasn’t given Pulse Rewards (even thought I elected to)

I’ve made 2 different purchases using Afterpay and I love the concept. All of my payments have been on time because it’s taken directly from my bank account. I should have 40pts for each of these purchases totaling 80pts all together but it says zero. I go to the rewards section to confirm I did register for pulse rewards and I am. I reached out to someone and I felt like they didn’t even read my message because the answer made no sense and it didn’t really relate to my issue/ question. I was told about 6 month cycle and that I have to current orders… which I already knew and is not what I even wrote to them about. He was no hep at all and then might as well have said “have fun figuring it out bc we don’t care, BYYYYEEEEEEEEE.” I asked why my points weren’t accruing. I then asked if they could go into more detail.. I asked do the points reset after 6 months or something ? And I’ve gotten no response. I haven’t even had this for 6 months - but if they’re referring to their own type of 6 month cycle I don’t understand when that starts or ends either. My issue isn’t even anything serious or complicated … just want some help understanding why my points haven’t accrued and if I can get them redeemed… that’s all…

1 year ago, Anchicinco

No able to use the first 6 weeks

i usually don’t write reviews but this is crazy.. so I’m new to the app everything looking good.. going smooth until when I tried to make a purchase it kept saying I was not approved.. which was kinda weird because they had already pre approved for 600.. I contact support and they had told me "within the first 6 weeks you are limited of what you can spend" so I replied back saying "ok can you guys give me a sure amount that I can spend so I can go ahead and start building more purchase power" they had replied back "we can’t give you an amount but we do make fresh decisions each time you try pay in 4 options" so I went back to finish line.. saw some 55$ Nike shorts, and i was thinking they have to approve this like cmon it’s just 55.. and when I proceeded to my order.. I was not approved.. for a 55$ purchase.. so they say you’re limited, but from what it looks like.. you can’t use afterpay until you’ve had it for 6 weeks.. i like the app it’s good and can be very useful for me getting my business equipment.. but saying I’m approved for 600 and not letting me actually use the 600 is crazy… other than that the app is great hope you guys can fix this

2 years ago, cynful buyer

Great and convenient

I love Afterpay, I never thought of using this app before because I thought it would be complicated and have undercover fees. But to my surprise Afterpay is just wonderful! I live on a budget pay check to pay check and having 3 kids and bills it makes it hard to get things you want or need. Well Afterpay makes it easy for people like myself to get things we want and need without sacrificing our pockets. I really love that I can pay for things in 4 easy to handle payments every 2 weeks which is perfect if you’re like me who gets paid every 2 weeks , which Is why it’s hard to keep money put aside since we have to stretch the money for that time. I’m so happy to have this app now, there are no hidden fees nor crazy late fees and I believe you can even set up your own days that you feel works best for the automatic payments! Simply awesome! I knew everyone can benefit from Afterpay! I love it! Thank you Afterpay for changing my life so I can Have the flexibility of buying without have to stay broke lol!

4 years ago, Bookobsessedgrl

Convenient

Easy to use interface, helps locate a variety of stores big & small businesses and offers certain discounts regularly for use when buying from one of their participants. Payments are spread out over a 4 payment schedule. As each payment is gets close to being due they send reminders to you of the actual due date as well as the price for that installment. You can pay it off completely with no additional charges or pay more than one payment at a time which is assigned to the correct purchase installment. I’d say it sorta resembles an online Lay-Away program only in this modern day and age you get to receive & begin enjoying your purchases right away as long as you pay the first payment upon checkout. This app handles it all beautifully, all the info you could need or are looking for is readily accessible within the app and I’ve yet to come across any glitches or issues. Only request I’d have is that it would be convenient to be able to forward a detailed receipt via email if for any reason you need to.

2 years ago, TheOtherWhiteMe

THANK THE GODS!!!

AfterPay has been a Godsend for me! I’ve been a customer for over a year & it’s just the best thing ever. I’ve been able to purchase really nice items that I would otherwise not be able to afford…especially today when prices have skyrocketed on just about everything! (thanks pResident O’Biden🤬). Anyway, their customer service is also excellent & they never charge interest or other fees.🎉 There’s been a few times where I needed to push back a payment date until payday. It happens to the best of us & AfterPay has always been understanding & helpful. I have outstanding student loans so my credit isn’t great. AfterPay doesn’t care. If u make ur payments on-time, they’ll up ur credit limit without question. Affirm doesn’t do that. In fact, I don’t even qualify for Affirm. I do have an account with Sezzle but they don’t even have half of the stores that AfterPay does. In short, AfterPay is the way to go for those of us that love to shop but aren’t swimming in cash! 🏊🏻‍♀️💵 Cheers to Afterpay…a shopaholic’s best friend!🍾🥂😍

2 months ago, Staceylbeck

Disappointed after recent changes

I have been an active user of AfterPay for years now, I am on a single income managing bills as well as only getting paid once a month. This service was GREAT! At first there was levels you would reach when reaching certain requirements. I reached the highest to where you had wonderful features like postponing the first payment (taken out automatically when used) to two weeks. Then the AfterPay Plus card was made available to me buy only paying a certain amount a month to be able to use AfterPay anywhere ApplePay was offered. It’s been upsetting to see the changes lately to where all of these wonderful features has been taken away to where I can’t use it like I use to and well I really depended on it to better manage my finances with only getting paid once a month and no other income to reply on besides my own so these features was super helpful to not have to use any credit cards and basically not going into debt in this economy rising it was super helpful to use this with groceries and even certain bills. Now that all these features have been disabled I just don’t see myself using this as much anymore and will be using another service that offers better options.

4 years ago, cadencedsilver

Convenient and simple once you get used to it

Streamlined app that makes it easy to find the stores you’re looking for and even easier to keep track of what you’ve purchased, when payments are due, and how far you are into your payment plan. The only drawback is that not every website that partners with this uses Afterpay in the same way, so you have to navigate it a bit through trial and error to figure out what you’re doing. For example, some websites have Afterpay listed specifically as a form of payment, but then don’t link to your app to login- and others don’t have Afterpay listed as an option, you have to have the Afterpay card set up on your phone as a form of Apple Pay and then keep the app open while you’re using Apple Pay on the store’s app (this is how Lululemon does it). I thought it wasn’t linked for Lululemon for a while, and then thought that it was broken as a payment system until I did enough trial and error to figure it out. Once you’ve gotten the hang of it, though, it’s smooth sailing.

2 years ago, 001133 maria

Wow

Spend money a lot with Afterpay for over 3 years!! , paid on time , was mint , my job laid me off all of a sudden from 5 days a week to 2 days a week. when I had I think 2 last payment of $48 and the other was like $12 I was late 3 -5 days and they drop me from mint just like that , no customer service # I tried calling ahead to have them move payments around to my payday.. number don’t work. And now they drop my spending to $75 with no earn of rewards till after Jan.. they mark you late the day payment is due if it doesn’t come out your card. Not next day Same day smh. It not that I didn’t have the money. It was just not available when it was due. I had to use extra money to cover bills. With Klarna they generous with moving your due date weeks .. it helped so much. I had things due with them also .. so now I mostly use Klarna and I’m now working full time. But the joy of me shopping now is mostly gone. Thanks after pay it’s all good the more people spend.. but to help understand things happen no working number to call anyone was insane. Lost a good shopper I was supporting small businesses. Never again .. I’ll just use Klarna or I’ll just pay full price from now on .. last time using this service

2 years ago, NouveauMoi

Annoying issue with app

Everytime I go to checkout and pay with afterpay, there is no option to pay with afterpay. I can pay with debit/credit card, paypal, or klarna is always there to select. I am literally on the afterpay app at checkout and afterpay is not an option to select for payment. At the very bottom there is a button that says Buy Now Pay Later and it’s always grey and when you select it it says you can pay with afterpay at checkout, when I am literally at checkout. You can’t go to the next part which is to review your order until you finish at checkout where afterpay should be a payment option when using the app! Like come on these little technical difficulties are ridiculous and make me want to quit using afterpay and switch to klarna since that option is always at checkout. This is supposed to be shopping made easy and it’s a bit of a hassle when your at checkout and their setup to finalize purchase has so many tech issues. Also, afterpay I guess recently started added money to the total to “include tax and shipping” for what? Shipping is free so that’s weird and unnecessary.

4 years ago, PhoenixD1026

Great App

This is the only App I’ll ever write a review on! It’s great! I’ve never been able to shop more comfortably in my life! I’ve been using after pay for a while now and I have been able to redo my whole wardrobe and then some! I recommend this app/payment method for anyone who is hesitant to shop. They split the payments in 4! And you pay every other week... and with all these new updates they make it a lot easier if you need to make smaller payments in between, reschedule a payment for whatever reason or pay your items off early if you can! I definitely RECOMMEND Afterpay. Also the most professional rather than those other Apps (I won’t say). I may have had one issue with Afterpay but it wasn’t even there fault it was the company using Afterpay. But they are super fast with refunds and great on customer service if ever there is a issue. USE THEM! Only negative I have: I wish they had more electronic, household, and shoe stores. And if we could put our favorite stores in a list or put a star by them that would be great!

2 years ago, Mursk16

Avoid at all costs

Update: Afterpay finally did give me a customer service phone call and issue me a refund. I am grateful for that. I am upgrading my review to 2 stars. The experience was unpleasant but i’m glad that I finally got my money back. Original Review: Please, for your own good, stay away from Afterpay. I purchased an item using Afterpay, and the item was never shipped. I filed a dispute 3+ weeks ago. They have done nothing to advance the dispute or update me. I have messaged Afterpay multiple times, asking very simple questions (when did you reach out to the merchant? Has it been more than two weeks? Did they reply to you? When will you advance the dispute beyond the inquiry phase?) and they have not answered any of these questions. They only reply with a generic “we are working to resolve your dispute, please be patient.” They have no customer service phone number. They have no live chat for customer service. All you can do is email them and pray. In other words, they serve their customers very poorly. I should have known it was a red flag when my credit card company would not let me enter my card into Afterpay’s payment system. Stay away at all costs.

2 years ago, ThatB***h

I love it but …. Meh

I love after pay I would give it five stars but I noticed they don’t have as much stores available as Klarna does and you hardly even get any type of discounts at all and if you do you have to spend a crazy amount of money just to get these discounts in one store which I think it’s ridiculous because I’ve purchased many things and I haven’t got one good deal on the other hand Klarna I literally only made one purchase with them and completed it and they gave me $10 off my next purchase for whatever store and I didn’t have spend any amount of money at all or anything just to get that $10 off and I’ve only made three purchase with them so far and I’ve gotten multiple discounts and Cashback I will definitely not be using Afterpay after I Pay off whatever I have left on Afterpay I really wished I would’ve started using Klarna before I got involved with afterpay also on Klarna after so many purchases which I’ve only done five or four you get to choose to do monthly payments also I purchased over 10 things in Afterpay and I have not gotten that type perks like this

2 years ago, Tigermomeyes

A blessing

Honestly I got this app right before Christmas last year! It helped soooo much during the holidays and took of so much up front financial burdens! I was able to pay in 4 payments instead of all up front! Trust me!!! If you don’t have this app get it! It’s a MUST HAVE for everyday purchases or big purchases! I bought my corner dinning room table, lights for my house, lamps and so much more! I also bought all my kids school clothing and supplies! Just take a look and I swear to you you won’t regret it! If I had to say one thing I didn’t like was when they took away my ability to not pay anything up front. I had purchased a lot of items and was excited when I got mint and had that ability. Then they took it and said they changed that till you have the app a year. I feel like if I earned it and proved that I pay on time every time then I definitely shouldn’t have to wait a year for that. However, that aside I still absolutely love this app. So thank me later 😊

5 years ago, chee-0703

Love this company!!!

I hesitated to buy any items that I couldn’t pay for or that I had wanted for a long time that were a little out of my price range. I came across Afterpay and absolutely love that I can now get the items I want and pay in four separate payments instead of all at once!!! This allows me to buy things I never could afford before because if payment installments I now do not need to take a large chunk of money and splurge once or twice a year instead I can buy whatever I want and pay over the course of the month. For the average working person this is an awesome app and awesome way to love a little luxuriously more than maybe you could have before this app was invented. I make my payments on time and am never charged any extra paying only for the items I purchased but if you are late the fee is not real exorbitantly high. Thank u Afterpay you guys seriously rock!!! You carry a lot of my favorite brands and look forward to the day that you have Too Faced cosmetics added to your growing list!!!

3 years ago, mechellelastchance

I liked it in the beginning

I started with Afterpay right before Christmas getting items paying before the payment date and even paid the things off early. Then I got one more thing made the first payment when it was due made the second payment when it was due the third payment is due on the 30th of January. I tried to get something else a few days ago and they declined it and said due to my payment history they couldn’t approve me for it ( $59) so I reached out to them and told them they got something mixed up and I guess whoever got the email got mad so they told me I had to find another payment method and that I couldn’t use Afterpay but that they aren’t saying I will never be able to use Afterpay. I wouldn’t recommend Afterpay to nobody I know because I wouldn’t want them to be treated the way they treat me. I don’t want to use Afterpay after all this mess they got with them. I know I paid off my stuff and paid faithfully on time. You learn from your mistakes!!! I truly think that they see that they’ve made a mistake but they haven’t said anything to me. I have my bank app I checked it and I see when and what was paid. So with that being said everyone be careful. I don’t know what Afterpay got going on

4 years ago, dontwannausemynamelmao

great!!!

i never write reviews but dang afterpay is great like i have bought so so much stuff from places i usually wouldn’t because just a pair of jeans can be like $70 but with their plans i can buy like 7 things and have a $70 two week payment plan like if you still want to have money on the side but also buy things you can afford, use this app! like i am so grateful for this app i wouldn’t have most of the things i do today if it wasn’t for this app or apps like this. it’s so affordable!! i was happy when i found out this was even a thing and i’m still happy with how affordable it all is. and as someone else said i like how it tells you in advance when something is due. i’ve never been late but i’ve also read they give a TEN day grace period if you’re late with payments, AND the late fee is only $8. i also like that if you want you can pay some or all of it in advance. like idk it makes me happy this is so affordable and i can finally get the things i want. thanks to whoever made this for real.

5 months ago, ArleitheHooman

Afterpay Has Been Ruined

Well, Sezzle/Klarna here I come I guess? Always good to try something new. I’ve been using Afterpay regularly since around 2017 and have always made my payments on time. Afterpay offered a robust rewards program and gave good customers who spent money with them and made timely payments a myriad of great benefits. CUT! THAT IS ALL OVER NOW. The main draw of the rewards program (and of Afterpay itself) was that if you proved you were a trustworthy customer, you could get “mint” and would then be allowed to make purchases with the first payment due in 2 weeks instead of that day. Afterpay has now taken this away- So for a summary of the three, Klarna allows you defer payments more often and is usable at almost any store on the internet; Sezzle doesn’t have a minimum order number; and Afterpay has none of those benefits and has just decided to decimate the benefits they DID offer. I am deleting this app, downloading Sezzle, and will not be using Afterpay again unless their new rewards program brings back the deferred first payments. There’s simply no reason to- these benefits were what made Afterpay better than Sezzle or Klarna and now it’s not better than those two, it is worse.

5 years ago, AlohaCCC

Easy to Use and Practical!

I was fairly new to using Afterpay, having to go online each time to check my payment schedule or my order information, it was so slow and glitchy as my connection is not that great. Also in making a payment. I wasn’t sure if I could make a payment early and when I logged in on the server, again it was a slow a glitchy process. I didn’t even realize there was an app!! Downloaded it, and within seconds I had my orders there for me, with my payments shown and what is still owed on a little color circle ⭕️ chart. Also it lists it in a linear traditional way which is where you can click on it to enter your payment. It tells you at a glance what is owed in a dollar value statement and lists in various days out. It is so very easy to use. And I really like that you can search and look for retailers on there that accept Afterpay as a payment method. It is a top notch app. I have absolutely no complaints. Anyone who has an Afterpay account needs this app. Thank you!!!

3 months ago, HeideW61

Beware they do not protect you as a buyer

On 4/6/24, I placed an order on Temu. I was scammed. Temu provided a tracking number from UPS that showed on Temu’s website shipped. I decided to check on UPS website for the update after close to 3 weeks. UPS website stated a label was created but the package was never sent to UPS to be shipped. I filed a complaint with Afterpay and provided them with proof of the tracking number which Temu provided Afterpay with the same tracking number. Afterpay stated even though they have the evidence that a shipment was never completed they don’t get involved in shipping disputes. I was like are you kidding me? I have a great customer relationship with Afterpay. I always pay on time never had an issue and this is how you treat a loyal customer. You don’t protect your customers at all. I filed a complaint with my bank where Afterpay takes the money from and sent them the tracking info. The bank confirmed I was scammed and immediately issued a refund saying Afterpay has a responsibility to protect their customers and if they won’t do it the bank said they protect their own. Shame on you Afterpay for being in business with a company who scams your loyal customers while you sit and watch.

4 years ago, concrete kimmy

All Star Team *************

I Am very very Pleased with this app . I haven’t had a app that is as easy , fun & secure as this app is . I’ve had nothing but 1 tragedy after another for the last two years . I won’t give u my sob Story ‘ I will tell you how this app has helped my family out of Hard hurtful trying Death filled years not to mention help keep us clothed, Clean & that has Made it possible for my Husband to get the Life saving medicine for his dying liver ‘ Now being able to afford the medication his liver is now Healing & I’m looking forward to many more Beautiful years with him adding to our 27 years . Every store that uses this app has also played a part In our lives moving & breathing it forward. Yes Breathing it forward now Soon I can pay it forward. Thanks To Afterpay I have A beautiful future to live dream and Care about all because of this app . I cannot Say enough great things about this app. Thank you & Many many Great blessing to those that make this possible Thank you a million times over !

2 years ago, MissHollyg9

It was Great until…

Afterpay has been a great help to a single parent like myself having to stretch everything to go a long way and working around my tight budget. I thought everything was very neat with the perks you earn with every payment you make, but beware if you miss a payment, even if it’s outside of your control. I never had to use the change payment date until I realized one of my payments landed on a day before I get paid for the week. I was unable to even use that feature since it was the last payment on it. Apparently, that is the exception to that feature which sounds very dumb in my opinion. Of course, I made the payment as soon as I was paid. Obviously, it did no good since it was late by that time happened. I lost all my hard earned credit with my payments, and it cuts you off of even using the app anymore, just from ONE missed payment after DOZENS of EARLY AND ON TIME PAYMENTS. It’s sad because I really enjoyed this app, but I will be deleting it after I complete my final payments on the orders I’ve already purchased previously.

5 months ago, Rayrayb35

Unable to get ahold of anyone

Afterpay has been a really good alternative to a credit card. I have been very happy until recently. I had a charge on my bank account from afterpay that did not match any of my purchases . When I tried to reach out they have no phone number to call , only chat. I understand that is they way things go now , but it took them 5 days to respond to my inquiry. I let them know I will have to file fraud on my account if I hadn’t heard back in a reasonable time . I also had to cancel my credit card because I wasn’t sure if my card had be compromised. When they finally responded they asked for the order # . They also informed me that if I filed fraud that It will effect my afterpay account. Very frustrating! I had to file fraud because I had no way to verify within a reasonable amount of time if the charge was valid. I also explained that I didn’t have an order # because the charge didn’t match any of the purchases I had made, and that was the reason for my inquiry. I will be finishing out the rest of my orders and deleting my account. I will be using pay pal pay in 4. At least they have customer service that you can talk to.

Description

Buy now pay later, with Afterpay Afterpay offers app-only shopping benefits to give you more access to the brand deals you love. Shop online and in-store in the Afterpay app and split the cost of your orders - pay in 4 interest-free* payments. With our shopping app you can browse stores, brands, products, discounts, and gift cards across fashion, beauty, home, toys, tech and more. New brands and deals added daily! Check out our 700k+ five-star reviews for more reasons to start shopping on Afterpay. NEW Pay it in 6 or 12 months** Get more payment flexibility from Afterpay with monthly payments. Now you can choose to shop big-ticket items on your list and pay over 6 or 12 months at participating brands. Exclusive shopping Pay in 4 at more of your favorite brands, only in the app. Our app-only brands feature app-only categories, including fashion and tech. Explore daily curated shopping guides and inspirational content to see what our editors are shopping now. Browse a large selection of gift cards for top brands that you can buy now and pay later for. Manage your orders Review current and past Afterpay orders and payments history. Change your payment schedule or pause payments when you report a return. Link Afterpay to your Cash App account and manage your orders in Cash App. Get sale and price drop alerts Receive push notifications when your favorite brands go on sale and get price drop notifications on items you love. Save them in-app and we’ll alert you when the price drops so you don’t miss a deal. Use Afterpay in stores Find shopping, travel, tech and beauty retailers offering Afterpay in stores, and shop confidently knowing how much you are pre-approved to spend. Just open the app and simply add your Afterpay card in your virtual wallet and tap to purchase. Increase your spending limit Unlock more when you’re shopping with the Afterpay app and pay on time. We’re committed to making sure that our community feels empowered and in control of their finances by promoting good spending and budgeting behavior. 24/7 customer support Get support anytime you need by using our customer support chat, available anytime, only in the app, and access FAQs. By using the Afterpay app, you agree to the applicable Terms of Use (https://www.afterpay.com/en-US/terms-of-service) and Privacy Policy (https://www.afterpay.com/en-US/privacy-policy). *You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. For access to in-store, additional verification may be required. Late fees may apply. View our installment agreement for complete terms: https://www.afterpay.com/en-US/installment-agreement. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license. **You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank, Member FDIC. A down payment may be required. APRs range from 6.99% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states. Valid debit card, accessible credit report and acceptance of final terms required to apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. Complete terms can be found here (https://www.afterpay.com/en-US/loan-agreement).