Afterpay: refund request
The retailer decides returns; refunds reduce your balance (partial refunds come off the last payment first), and you must keep paying what is still due.
What does this mean?
Grade A (high: almost everything comes from official pages read directly). 100% of 15 sources are the organization's own pages or government sites.
Collect
- return receipt or tracking
- retailer refund confirmation
- order number
Steps
Return the item under the retailer's policy and get confirmation of the refund.
Keep paying any installments still due until the refund posts.
If the refund does not arrive, raise a dispute in the app.
AppRaise a dispute on an order (for example Goods not received) Afterpay app or website > select the order > raise a dispute Sign-in required
More contacts for this issue
Facts you can cite
- Policy
Return and refund decisions are at the merchant's discretion and you stay obligated to make payments when due; refunds Afterpay receives reduce your balance, and partial refunds are applied against your last payment first.
Source: afterpay.com, verified 2026-10-13
If that fails, escalate
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
AppChat with Afterpay in the mobile app (24/7) Afterpay mobile app > Start a chat Sign-in requiredCustomer service
Written complaint
MailWritten notices and disputes (installment agreement notice address) Afterpay US Services, LLC, 1955 Broadway, Suite 204, Oakland, CA 94612, Attention: LegalFederal regulator
State agency
Your state’s financial regulator. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).Arbitration
The installment agreement requires individual arbitration (AAA, San Francisco County) after 30 days of informal negotiation; small claims court is allowed. Opt out by written notice within 30 days of signing the agreement.
Watch out
- Disputes and chat need the account holder's Afterpay sign-in.
- Afterpay's U.S. help center at help.afterpay.com blocks automated access; the same articles load under afterpay.com/en-US/help.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
Afterpay owes me a refund of [amount] for [order or service]. Use Escalate Anything to get it.Source code, other install options and the Claude Code plugin