After asking “Does Afterpay accept Chime?”, a lot of answers came up that sounded well. However, this answer would still be of assistance to those who don’t find it fulfilling in getting the answers they deserve about the Chime and Afterpay integration.
Afterpay is a finance application that you use to purchase goods and services conveniently and fast. You make the purchase and pay with the cash in the account. It allows you to make payments in installments, the first is 25% of the cost of the purchase, and you can pay in three installments within six weeks.
The question now is, does Afterpay accept Chime? You will get to find out the answer in this post including 10s of other related questions and answers to Chime and Afterpay.
Does Afterpay Accept Chime?
The simple answer is that Afterpay accepts Chime and Chime cards. You can link your Chime account to Afterpay and make payments anytime directly from your Chime account. The best way to do this is through a Chime debit card because it is issued by Visa. The steps to add your Chime debit card to Afterpay are straightforward and require nothing more and these steps would be discussed shortly.
Afterpay is an Australian company that operates in other countries including the United States, Canada, France, New Zealand, Spain, and the United Kingdom while Chime is a US company only available to United States citizens alone.
However, Chime offers a Visa card linked to their digital banking app which you can use to link to your Afterpay to complete purchases anytime. The process is seamless for US citizens who have a Chime account and wouldn’t work for you outside the United States since it is geographically restricted.
How Does Afterpay Work With Chime?
Below are the steps to integrate Chime with Afterpay to make payments online.
- Log in to the AfterPay website.
- Create a new account if you are a new user
- Go to“My Account”
- Go to the “Payment Methods” section
- Search for the card icon
- Click Add a New card
- Add your card information, which includes the card number and route to complete the transaction.
- Confirm the information and click on “save.”
- You can now use your Chime account to make payments for your purchases.
Now that your card has been successfully linked, anytime you are to make a payment on the Afterpay platform, you can choose to pay with your Chime card and be sure that there is money in your Chime account which can be used to expensed towards your usage on Afterpay app.
How to Make Payments in Afterpay with Chime?
To make a payment in Afterpay, you must add your Chime debit card to Afterpay as we have discussed above there. After adding your Chime debit card, go to your Afterpay account and press on “Account“.
Your pending payments will be displayed, and you select the one you are paying for. After that, you will be redirected to another page, where you will choose the card you want to use to pay. In this case, choose Chime. Confirm the billing method and wait for some minutes for the payment confirmation.
Sometimes, when checking out with Afterpay, you would be required to choose your Chime card as the default repayment option so that you don’t have to do anything but it would be automatically debited from your Chime account on the duration and period you choose from you Afterpay partner website.
What are Eligibility Criteria to Use Afterpay?
Afterpay makes your online shopping experience convenient and pleasurable. It also allows you to pay for your purchases in installments. However, to be an Afterpay user and enjoy these privileges, you must meet the following criteria. They are:
- You must be not less than 18 years old. If you live in Nebraska or Alabama, you must be 19 years old to be allowed to be a user in Afterpay.
- You must be a legal member of the United States
- You must have a valid delivery address
- A functional phone number and email address
- Possess the authorization to use the credit or debit card allowed for payment at Afterpay.
What Kind Of Cards Does Afterpay Accept?
Afterpay accepts a couple of credit or debit cards that include; MasterCard, Visa, and American Express. Prepaid cards are not accepted because they are mostly not linked to a bank account. Also, cards from foreign banks are not accepted.
Your card also would need to accept digital/online banking in order for your card to work with Afterpay. Some cards only work on Automated Teller Machines and don’t work online. However, you can get it to work by writing to your bank or sending them a mail, or going to your mobile app to enable that.
Is Chime Considered a Prepaid Card?
No, Chime is not a prepaid card. It is a checking account, whose banking services are offered by the Bancorp banks. It offers a debit card that you can use for your transactions. This card is a product offered by Visa which is accepted worldwide on major websites that accept credit and Visa cards.
The card offers a direct debit to your Chime wallet which can be funded with any means that Chime provides to your account.
Can Afterpay Use Prepaid Cards?
No, Afterpay does not accept prepaid cards. Afterpay accepts bank checking accounts, including domestic debit and credit cards. You can use prepaid cards for manual payments on Afterpay, but you cannot save prepaid cards as a billing method. Also, Afterpay does not accept international savings accounts or cards.
Here are the payment methods that Afterpay accepts:
- Debit cards
- Credit cards
- Bank checking accounts
You can also use Afterpay to make payments in stores by using the Afterpay app or by adding your Afterpay card to your digital wallet.
What Does Buy Now And Pay Later Mean?
Buy now and pay later is a service that allows you to make purchases, pay for a specific part as a down payment and pay the remaining part over a reasonable period.
Afterpay allows you to pay for your purchases in four installments, but you must make an initial deposit of 25% of the purchase amount. The application will calculate the time you have to pay up. Normally the time you have to pay depends on the amount and nature of purchases.
Can You Use Afterpay With Chime?
The answer is No. You cannot use Afterpay with Chime because Chime have not provided an integration between Afterpay and Chime. However, Chime has its own afterpay solution that enables you to pay only 25% of your purchases and spread the balance for installment payment.
To get started with Chime afterpay product, you would need to be an existing user of Afterpay and ensure there is money in your Chime account or your cards to cover the first 25% installment payment. Then you can choose this option.
So in a nutshell, while Chime provides banking services to customers in the US, it does not offer direct integration with specific buy-now-pay-later platforms like Afterpay but it might work on an integration feature in the future if the feature is requested by their customers. If this is what you want to see in Chime and you are a customer, you can just write to them and if they get many people requesting for it I’m sure they are going to prioritize doing it.
Afterpay accepts Chime as a billing method. All you have to do is to add Chime into Afterpay and start paying for your pending purchases or making new purchases.