Affirm vs Afterpay Refund Process

Affirm

• To request a refund, you must first contact the store where you made the purchase.
• Affirm cannot issue refunds or cancellations without confirmation from the store.
• The store's own return policy determines if a return is possible and the refund amount.
• If the store provides store credit instead of a refund, you are still responsible for your Affirm payments.
• Any interest you have paid is not refundable.

Afterpay

• The merchant must process the refund in their system first.
• Returns are always subject to the merchant's refund policy, which can be found on their website or by contacting them directly.
• Always allow up to 7 calendar days for the merchant to respond to your enquiry if goods are not received.

Affirm

• Contact the store directly where you made the purchase to request a refund.
• The store will inform you if a return is possible and the refund amount based on their policy.
• Once the store processes the return, they will notify Affirm.
• Affirm will then apply the refund to your loan balance, starting with the final payments.
• If you have already made payments, the amount will be refunded to your original payment method within 3-10 business days.
• You can check the status of your refund by signing into your Affirm account and selecting the purchase.

Afterpay

• Contact the merchant directly for their refund policy.
• Reach out to the merchant/seller first to find out what has happened and request tracking information if goods have not been received.
• If it has been more than 7 calendar days since the order date and you have received no response from the merchant, you can raise a dispute from your app.
• Check your emails for notifications from Afterpay, as an email is always sent to let you know a refund is on its way.

Affirm

• Refund to original payment method
• Check

Afterpay

• original card used for payments
• Afterpay account

Affirm

• If a partial refund is less than your loan balance, the refund amount will be deducted from your remaining balance, potentially resulting in fewer remaining payments or a lower final payment.
• If a partial refund is greater than your loan balance, the remaining balance will be canceled, and the leftover amount will be sent to your original payment method.

Afterpay

Not available

Affirm

• If you are unable to resolve the issue with the store, you can open a dispute with Affirm.

Afterpay

• If goods haven't been received and the merchant has not responded within 7 calendar days of contact, a dispute can be raised from the app.
• Once a full dispute has been raised, a second dispute for the same order cannot be raised.
• For some merchants (e.g., Prezzee for Gift Cards), you must contact them directly for help and cannot raise a dispute.
• A dispute can be canceled via the app if goods are delivered or a refund is received from the store after the dispute was raised.

Affirm

• While waiting for your refund, you should continue to make any payments that are due to avoid them becoming overdue.
• It can take 21 days or longer for a store to process a return and for Affirm to update your account.

Afterpay

• Some merchants, such as those selling gift cards (e.g., Prezzee), require you to contact them directly for help, and disputes may not be able to be raised.
• Once a full dispute has been raised, you will not be able to raise a second dispute for the same order.
• If goods are delivered or a refund is received from the store after raising a dispute, you can notify Afterpay to cancel the dispute via your app.