Introduction to Afterpay and Clearpay

Afterpay and Clearpay are Buy Now Pay Later (BNPL) payment methods you can offer your customers through
Cybersource
. The pay later service enables online customers to purchase a product immediately and pay for it later with four equal repayments. The repayments are interest-free, as long as the customer pays on time.

Supported Services

These are the API services you must integrate with to process a transaction using Afterpay and Clearpay:
  • Options
  • Session
  • Authorization
  • Capture
  • Sale
  • Refund
  • Authorization-reversal
  • Check status

Requirements

Your merchant account must be configured to process Afterpay and Clearpay payments. Contact your
Cybersource
 account manager for further details.

Supported Countries and Currencies

Afterpay is available in Australia, Canada, New Zealand, and the United States. Clearpay is available in the United Kingdom. This table shows the country codes and currency codes supported by Afterpay and Clearpay.
Supported Countries and Currencies
Country
Country Code
Currency
Currency Code
Australia
AU
Australian dollar
AUD
Canada
CA
Canadian dollar
CAN
New Zealand
NZ
New Zealand dollar
NZD
United Kingdom
GB
United Kingdom pound
GBP
United States
US
United States dollar
USD

Afterpay and Clearpay Workflow

This workflow describes the sequence of events that comprise a successful Afterpay and Clearpay payment.

Figure:

Workflow
  1. The customer begins to checkout on the merchant site.
  2. The merchant sends a session API request. See Create a Session.
  3. Cybersource
     returns a redirect Afterpay or Clearpay URL to the merchant and a token.
  4. The merchant redirects the customer to the unique Afterpay or Clearpay URL for the customer to complete the payment.
  5. The customer logs into their Afterpay or Clearpay account and completes the checkout. The customer is then redirected back to the merchant site.
  6. The merchant sends an authorization API request with the token from the session response. See Authorizations.
  7. Cybersource
     returns an
    AUTHORIZED
     response.
  8. The merchant sends a capture API request to complete the payment. See Captures.
  9. Cybersource
     returns a
    SETTLED
     response.