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Ineligible for Afterpay

I'm trying to activate Afterpay on my website but it says 'Your account is not currently eligible for Afterpay.' I can't seem to figure out why and how to fix the problem. Any ideas??

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Square Community Moderator

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Hi @TwoTeachersGift,

 

Thanks for writing in and welcome to our community!

 

While we can't look into why your account may be ineligible, take a look here as well as Afterpay's Merchant Terms. You might also want to check that your Square account is ready to take payments by checking for any outstanding notifications in your Dashboard

 

Please let us know how you go!

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Square Community Moderator

Best Answer

Hi @TwoTeachersGift,

 

Thanks for writing in and welcome to our community!

 

While we can't look into why your account may be ineligible, take a look here as well as Afterpay's Merchant Terms. You might also want to check that your Square account is ready to take payments by checking for any outstanding notifications in your Dashboard

 

Please let us know how you go!

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Hey Anyone can help me?

I'm trying to connect my Afterpay account with my Square account, I am an original Square Member and having trouble linking them together on my website. 

On my website I just keep having this comment linked to the after pay section in the checkout settings: "Your account is not currently eligible for Afterpay. Learn moreScreen Shot 2022-03-27 at 12.03.15 pm.png

Please if someone can give me some information how to fix this? Thanks 😁

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Square Community Moderator

Hi @PiercedUpAus,

 

I'm sorry to hear you're having trouble adding Afterpay to your site! I've merged your message to this thread where someone had a similar question. We can't look into your account, or see why you might see this message. Review Afterpay's Terms of service, and reach out to our support team on 1800 760 137 (Mon-Fri, 9am-5pm Melbourne time) so we can take a look at your account. 

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Square Champion

Hi @PiercedUpAus,

 

As a business who has suffered this 'ineligibility' nightmare with Afterpay ourselves, let me give you some tips.

 

For context, we're a barbershop in Brisbane who have had Afterpay since we opened in 2020 (in store only at the start). 

 

We used Squarespace as our online store to sell hair and skin care products (not services, obviously!) – when Squarespace announced Stripe was integrating Afterpay, we were very excited because it was a huge thing our customers wanted for our online products. We immediately set it up, and got hit with the same message.

 

I contacted Stripe (who blamed Afterpay), essentially our business fell under the 'Services' category in Afterpay's merchant terms (in which case made us ineligible to use Afterpay on our online store despite using them instore for years) .... wtf right? How can we be providing services (ie haircuts) via our website was my question!? We're selling retail products. Which are not excluded in their terms. It wasn't rocket science taking this into account. And we wouldn't be the only one in this boat.

 

After weeks of back and forth between Stripe and Afterpay (Afterpay was useless btw), Stripe finally conceded and could see we were not doing anything dodgy and this was merely a weird grey area so I managed to convince them to change our category to 'Retail' or whatever it fell into in our profile.

 

All worked fine for a few weeks until randomly our website stopped showing Afterpay. Sure enough, they had re-assigned our account back to the services category which was ineligible, so I had to go through it all over again. Extremely. Frustrating.

 

Now that Square owns Afterpay, I suspect it will still be on Afterpay to sort this on their end (but if my experience with Stripe is still relevant, Square may also be able to override the business category on their end (which doesn't affect your overall Afterpay account it seems anyway).

 

Long story short, if you're selling physical goods that are not prohibited under Afterpay's merchant terms (read them carefully because they are quite expansive in nature), then reach out to Afterpay and explain this grey area of being a serviced base instore business, with an online store for physical goods. This was our issue, Afterpay has no issue servicing us instore, but because they categorise us as a service business overall, this carried through to online sales and made our account ineligible. Shows how stupid it can be having blanket rules like this that don't have real life scenarios considered.

 

This is an excerpt from Afterpay's terms specific to this topic:

 

Restricted Goods. You must not, without prior written permission from Afterpay, allow the Services to be used to purchase Restricted Goods or Services, as defined below, via Your Website or in-Store. If You are allowing the Services to be used to purchase any goods or services which Afterpay considers, in its reasonable discretion, to be dangerous, inappropriate or high risk, Afterpay reserves the right to prohibit the use of the Services to purchase such goods. You must notify us of any intention to commence advertising or offering Restricted Goods or Services for sale.

Restricted Goods or Services” means:

(i)              Gift cards, open loop cards or reloadable debit cards, payment cards that can be used at any location that accepts cards authorized by the payment card’s network, cash, or cash equivalents;

(ii)             Goods or services that infringe third party Intellectual Property, including without limitation counterfeit goods and pirated content;

(iii)            Dangerous goods, being goods that cause damage, harm or injury, including without limitation, recreational drugs or derivatives from drugs (chemical or herbal), psychoactive substances, equipment to facilitate drug use, weapons, ammunition, explosive materials and fireworks, instructions for making explosives or other harmful products, tobacco, e-cigarettes, and vaping products;

(iv)           Adult goods, online streaming services and other content formats deemed offensive or of a sexual nature;

(v)            Alcoholic beverages;

(vi)           Gambling or gambling-related content;

(vii)          Prescription drugs, regulated products, illegal drugs and testosterone boosters or sexual enhancement products;

(viii)         Products that enable dishonest behavior, including without limitation hacking software or instructions, fake documents and academic cheating products;

(ix)           Services, in the following categories:  Pay-to-remove services; No-value-added services; “Experiences”; Financial services; Ticketing services; Software services; Health services; Auto services; Cleaning services and Other personal services;

(x)            Without limiting the above, any goods or services which are required by law to be sold to Customers over 18 years of age.

Proud Australian Square Super Seller and users of Square AppointmentsSquare POSSquare OnlineSquare ReaderSquare Stand

We use Square with integrations for Xero by AmakaPrintful / We have used Squarespace • Shopify • WooCommerce • QuickBooks and more!

Dieter Slicke is a boutique barber shop by appointment only with our own range of Australian made hair and skin care products
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LOL same story here...I gave up on square .Kepp my afterPay on my Website and let clients login on it if their want to...

But I also added ZipPay now and do not have any problem with them ( I do headlight Restoration and Mobile Detailing) so not selling any products at all. Also changed my scanner from square to Zeller (less fees) so its a win win for me and staff square dont want my business fine by me

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LOL same story. I have Merchant account with Afterpay and use it on my WIX webpage (but its more or less useless then people do not pay on my web for the service I provide (ok some do) but square refuses to give me access to POP so people can swipe their digital Car.

I gave up asking I using ZipPay now and use Zeller terminal (less fees also)

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