Why is Target Afterpay not Working in 2023

Excited about shopping at Target using Afterpay for your purchases but it doesn’t seem to work all of a sudden?

If you are at a Target store ready to check out using Afterpay and it does not function as expected, you can feel the same frustration that customers have when their Target gift card doesn’t go through.

Fret not, fellow shoppers! There’s still hope for a smooth shopping experience and I am here to ensure the same through this article. So, let’s get into the details and figure out what’s happening with Target and Afterpay.

Does Target accept Afterpay?

Target is offering Afterpay, but in the United States, it’s only available for online, and not in-store, purchases. However, if you’re a resident of Australia or New Zealand, you may use Afterpay both online and in-store.

Target Logo

I also found out that by using Afterpay, you can split the whole cost into four equal installments without any interest and the steps to pay with Aftepay at Target aren’t that complicated. To make a purchase online, just choose Afterpay as the payment option and you’re all set.

Why is Target Afterpay not working?

Short Answer: Target Afterpay is not working because you have exceeded the spending limit, you are trying to use it in-store in the US, there are issues with your card, or there are technical issues. 

afterpay logo

1. Maximum limit reached

The internet store has a one-dollar minimum purchase policy. Sounds reasonable, right? However, here’s the catch: your total expenditure is limited to $1,000. So, even if your cart meets that $1 minimum, going over the $1,000 limit would make Afterpay unavailable during checkout.

Target’s in-store purchases have their own set of policies if you are shopping in New Zealand or Australia. You must pay at least $100, and like before, no more than $1,000. This means that you have to spend at least $100 to use Afterpay but avoid going overboard.

2. In-store Afterpay is not offered in the US.

Several Afterpay customers in the United States have discovered the hard way that Afterpay can’t be used for in-store purchases at any Target location in the country. It is a bummer for sure, but it’s something to keep in mind if you are planning to shop at a Target store.

3. Issues with your card

It turns out that Afterpay issues at Target could often be traced back to problems with your payment card. When the time comes for you to pay, you must ensure that there is sufficient money in the account you have specified.

In addition, your shopping experience won’t go as planned if your card is put on hold or if there are any limits or blocks placed on it. I would recommend double-checking with your bank to rule out any card-related problems before you go shopping.

4. Technical issues

Once in a while, Afterpay has issues due to technical difficulties that make it difficult to work properly. These issues include everything from annoying glitches to server outages and even the occasional internet connectivity problem.

If the issue is with Target, you will need to give them time to fix it. But if it is related to your internet, you have to roll up your sleeves and troubleshoot. Rebooting your router, experimenting with another device or website, or checking your WiFi settings are some of the things you could do to make Afterpay work seamlessly.

What happened to Target Afterpay?

Sadly, you can no longer utilize Afterpay as a payment option when purchasing items in-store at Target in the United States.

Target stores decided to stop accepting Afterpay in-store, and while I did some digging on the same, it still remains a mystery. What I can say for sure is that you won’t find Afterpay as a payment choice there anymore.

But hey, don’t lose hope just yet, especially if you’re an online shopper like me. Afterpay is still an option for American customers making purchases on Target’s website. So, while it’s a bummer for those of us who appreciated the convenience of Afterpay in-store, at least the online option is still available.

Now here’s an interesting fact: Target is actively accepting Afterpay in their physical stores in countries like Australia and New Zealand. Therefore, if you are using Afterpay at a Target store and find yourself at one of these locations, you may continue using Afterpay without any issues.


Final Words

Whether you’re a fan of shopping in-store or prefer the online experience, now that you know the ins and outs of paying with Afterpay at Target, shopping there should feel like a walk in the park!