Does Afterpay Accept Netspend Cards?

Afterpay is a popular payment service in Australia and New Zealand that allows customers to purchase items in four installments without any interest or other fees. Many shoppers are curious if they can use a Netspend card with Afterpay, but unfortunately, it is impossible. This is because Afterpay does not accept prepaid cards, foreign debit, or foreign credit cards for payment.

Netspend is American financial services and payment technology company that offers prepaid Visa cards and Mastercard debit cards with direct deposit of paychecks. The company also provides features such as check cashing, text alerts, mobile check deposits, and money transfers. However, these debit cards cannot be used with Afterpay due to their status as foreign cards.


Does Afterpay Accept Netspend Cards?

No, Afterpay does not accept Netspend cards because Afterpay does not accept prepaid cards, foreign debit, or foreign credit cards. You can not use a US Netpspend card on Afterpay because Afterpay is an Australian company that does not accept US cards.

To read about the Netspend overdraft limit, read our article.

While it may seem inconvenient that Afterpay does not accept Netspend cards, there are still several ways for users of these cards to purchase items through the platform. For example, some banks offer accounts that act like prepaid debit cards, such as NetSpend but are linked directly to the user’s checking account. In this case, the account holder would have access to funds in the checking account rather than having a limited balance on their prepaid card. These accounts can be used with Afterpay since they are considered standard bank accounts instead of foreign or prepaid ones.

Additionally, many banks offer unique credit products such as low-limit credit lines or temporary credit approval programs, which allow customers to shop online using a standard credit card even if they do not have one issued by the bank itself. These services can provide access to purchases made through Afterpay while avoiding problems associated with foreign or prepaid cards, which this platform does not accept.

Afterpay vs. Netspend

Netspend and Afterpay are both financial services companies, but they have significant differences. Here are some key points to consider:


  • Netspend is a prepaid debit card provider that allows you to deposit funds onto a card and use it like a traditional debit card to make purchases, pay bills, and withdraw cash.
  • With Netspend, you can add money to your account through direct deposit, online transfer, or loading cash at participating retail locations.
  • Netspend offers a mobile app that allows you to manage your account, check your balance, and view your transaction history.
  • Netspend charges various fees, such as monthly maintenance, transaction, and ATM withdrawal fees.
  • Netspend offers additional services such as overdraft protection, early direct deposit, and a savings account.


  • Afterpay is a buy now, pay later service that allows you to split the purchase cost into four interest-free payments.
  • Afterpay works with retailers to offer this service at checkout, allowing you to pay for your purchase in installments over six weeks.
  • Afterpay does not charge interest on the payments, but you may be charged late fees if you miss a payment.
  • Afterpay does not require a credit check to use their service, but they may use alternative methods to assess your ability to repay.
  • Afterpay does not offer a physical card or bank account and does not provide other financial services beyond their buy now, pay later service.

In summary, Netspend is a prepaid debit card provider that allows you to manage your money and make transactions. At the same time, Afterpay is a buy now, pay later service that lets you split the purchase cost into installments.

While Netspend cannot be used directly with Afterpay due to its status as a foreign card provider, there are still several options for those who wish to buy items through this payment service without access to a traditional credit or debit card from an Australian bank. Banks often provide unique products such as low-limit credit lines or temporary credit approval programs that can be used for purchases through platforms like Afterpay while avoiding issues related to prepaid and foreign cards. Customers should contact their bank or financial institution for information about what options may be available to use an alternative form of payment when shopping through afterpay that will work successfully without issue.

Daniel Smith

Daniel Smith

Daniel Smith is an experienced economist and financial analyst from Utah. He has been in finance for nearly two decades, having worked as a senior analyst for Wells Fargo Bank for 19 years. After leaving Wells Fargo Bank in 2014, Daniel began a career as a finance consultant, advising companies and individuals on economic policy, labor relations, and financial management. At, Daniel writes about personal finance topics, value estimation, budgeting strategies, retirement planning, and portfolio diversification. Read more on Daniel Smith's biography page. Contact Daniel:

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