Are you about to make a large purchase at Target and are unsure of your payment options?
Perhaps you’ve just installed Afterpay for the first time and are eager to begin shopping.
Target, as one of the most popular retailers in the country, is a popular choice for Afterpay customers.
Continue reading to learn about the disadvantages, benefits, limitations, and restrictions.
Does Target Accept Afterpay?
Yes, Target accepts Afterpay, but only for online transactions.
All you need to do is simply choose it as your preferred payment method on Target.com or within the Target mobile app.
One of the few disadvantages is that Target stores frequently limit the amount you may spend using “buy now, pay later” payment methods.
Target’s Afterpay purchases have a $1 minimum and a $1000 maximum.
When you’re adding items to your Target shopping cart online, be careful not to surpass the maximum.
To use the service, you must meet the following according to Afterpay’s US Terms of Service, whether you’re shopping at Target or elsewhere:
- You must be at least 18 years old
- A legal resident of the United States
- Eligible to own a debit card
What Is Afterpay?
Afterpay is a digital payment option that allows you to buy now and pay later, allowing you to get the products you desire without having to pay in full right once.
When you make a purchase using the app (which you can set up on your phone and/or connect to your Apple Pay or Google Pay accounts), the total amount is divided into four equal installments, which you must pay in full every two weeks.
At the time of purchase, the first payment (25 percent of the total purchase price) is due.
As long as you make all of your payments on time, Afterpay will be completely free to use.
How Can I Shop At Target Using Afterpay Service?
Using your digital wallet, shopping on Target.com or in the Target app is straightforward.
Here are some simple measures to take:
1. Register For An Afterpay Account
Before you do anything further, ensure sure your account is active.
To sign up, go to the Afterpay US website or download the app to your phone.
2. Begin Your Shopping
You’re all set after your account is created.
Simply go to Target.com or download the Target mobile app and start shopping.
Just keep in mind that your total should not surpass $1000.
3. Select Afterpay At Checkout
When you begin the checkout process with Target, Afterpay will appear as one of your payment options, just like any other digital payment method.
If it’s not on the list or you can’t select it as an option, make sure your order total falls within the minimum-to-maximum range.
4. Finish Your Order And Start Making Payments
When you use Afterpay to pay for something at Target, you’ll be charged the first payment (25 percent of the entire cost) up front.
Then you’ll have to make your second payment two weeks later.
This will happen three times until you have made all of your payments.
The app will give you reminders to make sure you don’t forget about your payment deadlines.
You can also set up automatic payments so you don’t have to worry about missing a payment!
What Are Some Of The Benefits Of Afterpay?
Here’s a rundown of the benefits of the time-saving Afterpay digital service:
- Purchase now and pay later
- It’s completely free as long as you pay on time.
- Never pay interest on everything you buy
- Helps you avoid the headache of obtaining a credit card
- Regardless of your credit score, you can download and use
- You can include it in your digital wallet.
The ability to buy what you want now and pay for it later is by far the most significant benefit of using Afterpay.
Afterpay works similarly to a credit card in that it allows customers to get the products they want and need without having to pay the whole price up front.
Afterpay, unlike a credit card, does not require credit checks or applications from its customers.
What’s more, what’s even better?
Interest is never charged by the service.
That’s correct.
You will only be charged a fee if you fail to meet a payment deadline.
So, if you’re okay with money and know you’ll be able to pay every two weeks, Afterpay is a terrific alternative to a credit card, at least for daily purchases and modest investments.
How Do I Setup My Afterpay?
The fastest and easiest way to get started with Afterpay is to download the app from the App Store or Google Play Store, depending on your mobile device.
Once the app has been downloaded, perform the following steps:
- Simply launch the app and input your login credentials.
- Select the Card tab and follow the on-screen instructions to enter your credit card information.
- Set up an account with your Afterpay Card.
- Start using your app during checkout.
How Do I Use Afterpay To Shop Online At Target?
- At checkout, choose Afterpay as your mode of payment.
- Log in to your Afterpay account if you haven’t previously to finish the transaction.
- Give the Afterpay payment details for first-time users.
- Create an account with Afterpay if your first order is accepted.
- The next step is to download the Afterpay app and set a password.
Does Afterpay Charge Any Transaction Fees?
There are no additional expenses associated with using Afterpay if you make all of your scheduled payments on time.
To pay for the acquired item in four payments, you will simply have to pay its usual price.
When installments aren’t paid on time, there is a $10 late payment cost, and an extra $7 fee for those that aren’t paid within seven days.
Who Is Eligible To Use Afterpay In Target?
Target.com or any other approved retailer in the United States must comply with the following requirements for Afterpay checkout:
- You must be at least 18 years old if you live in Alabama or Nebraska.
- You must be a US citizen or a DC resident in order to apply.
- You should be in a position to get into a legally binding agreement.
- Must provide an operational United States address.
- Your email and phone number must be active.
- It is required that you have a credit or debit card issued in the United States.
How Afterpay Aids Your Online Shopping At Target?
All retailers in the United States that accept Afterpay as a form of payment are listed in the Afterpay mobile app.
Using Afterpay is as simple as downloading the app and shopping at an approved online retailer.
Using the app, you’ll be able to find the name of a nearby store so that you can buy and pay later without feeling self-conscious.
In addition to Target, you may use Afterpay at Amazon, Walgreens, and Kroger.
Is Every Order On Target Approved by Afterpay?
Orders are not always approved by Afterpay.
Afterpay is dedicated to promoting fiscal responsibility.
Even if the order amount is less than your predicted spending limit, it is conceivable that your order might be rejected.
This is because Afterpay considers a number of variables when approving orders.
In addition to your own spending limit, the retailer where you are purchasing may impose additional restrictions.
Afterpay takes a lot of variables into account when deciding which orders to authorize.
For instance, the longer you’ve been an Afterpay shopper and the more orders you’ve successfully repaid, the more probable you are to be able to spend more.
What Do I Need To Consider When Using Afterpay?
Here’s what you need to consider when using Afterpay:
- Is there enough money on your card? (Look to see the first installment amount of the order value available to spend on the card you are using).
- How long have you been using Afterpay? (After order approval is tighter in the first 6 weeks).
- If it is beneficial to pay down some of the amount you owe (not compulsory).
- Whether the value of the order you’re attempting to place may aid in lowering the total value of your shopping basket (not compulsory).
- The number of orders you have with Afterpay, and are presently “open” (not compulsory).
Is It Safe To Use The Afterpay Card In My Digital Wallet?
Yes.
Using an Afterpay card on your digital wallet is safe and secure.
Afterpay demands authentication of the user for any payment through Apple Wallet or Google Wallet app.
Let’s have a deeper look.
1. Purchasing Through Apple Wallet
Every transaction with Apple Pay requires identification using either Face ID, Touch ID, or your device passcode.
2. Purchasing Through The Google Wallet App
For purchases exceeding $50, Google Pay will ask you to unlock your smartphone using your preferred authentication method.
With a locked screen, you will only be able to execute a limited number of transactions under $50 before your device will require unlocking to continue.
Can I Use My Afterpay Card To Return An Online Purchase From Target?
With Afterpay, you must follow the store’s online return policy if the store does not allow online returns in-store.
With Target, you can return online purchases paid for through Afterpay.
Here’s how to do it:
With a valid receipt, you can exchange or return the item in store.
Target.com purchases made with Afterpay can be mailed back to them using their online return center.
Returns must adhere to the firm’s return policy.
To return an item to a Target store or our online return center, follow these steps:
- Use your Target account to log in.
- To select your order, go to Target.com/Orders or the Target app/Purchases.
- Find and select the order.
- Then select Return item.
Choose one of the following options:
- Return to store:
- Take the barcode to the store and have their staff process your return.
- Return by mail:
- Choose a return item
- Choose a reason for the return from the drop-down menu, then click Continue.
- Select Continue after selecting Replace item or Refund item.
- Choose your shipping address.
- To add or update an address, go to your account.
- Select Submit, then Print Mailing Label from the drop-down menu and follow the prompts to print your mailing label.
- Include the original product, as well as any packaging and extras.
- Target may charge you for the initial purchase amount if you return the wrong product and they’ve already processed your refund.
- Attach the return label to the package’s exterior.
- Drop off your package at a UPS-approved location. To find a drop-off site, go to ups.com/dropoff.
How Do I Mail Back An Online Purchase From Target Through The Afterpay App?
If you’re expecting a return, you can postpone a payment.
- Select the ‘Orders‘ icon in the Afterpay app.
- Return to an order by selecting it and scrolling down to see the order details.
- Choose ‘Return Order‘.
- Select ‘Mailing a return‘.
- Choose the appropriate return information.
- After you’ve finished, you’ll receive confirmation that the payment was successfully transferred.
Where Can I View My Previous Target Afterpay Purchases?
Your Target online purchase history is accessible through the Afterpay app’s Orders page and your online account.
To see all the data about an order, tap it.
This includes payment dates, repayments made, and more.
Can I Pay Target Less Than The Full Installment Amount?
Yes, you can “Pay what you can, when you can” with Afterpay.
You can, however, use the pay part payment feature, which is new and only works when you log in via the Afterpay URL rather than their mobile app.
Here’s how to go about it:
- Visit afterpay.com to access your account.
- Select Payment Schedule.
- Select View Order.
- Just below the order summary, click the new ‘Make a payment‘ button.
- A new screen appears, where you may enter the amount you wish to pay, which can be the entire installment or the entire remaining order value if desired. The payment schedule is updated to reflect your payment history.
What Happens If I Am Unable To Make A Timely Afterpay Payment To Target?
Do not panic.
There’s no Afterpay ‘blacklist!’
But, if you miss a payment, Afterpay will instantly pause your account and you won’t be able to buy anything more through their service until your pending payments are settled.
Your spending limit may also be reduced; this is because their system considers a variety of criteria, including late payments, when determining spending restrictions.
If you miss a payment, it could affect your Pulse Rewards tier.
You may be barred from using their service permanently if you are still unable to make your Afterpay payment for an extended period of time.
You can contact their customer care team for further details.
All of Afterpay’s actions are ultimately aimed at assisting you with spending responsibly.
Is It Possible To Register Afterpay During Target’s Checkout Process?
Yes.
Even during checkout, the Target store makes it simple to sign up for Afterpay.
The procedure is simple and takes only two minutes.
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