Afterpay lets buyers buy items now and pay later – in four fortnightly interest-free payments. Sellers receive the full amount (less transaction fees) upfront.

Afterpay is only available for general Marketplace categories, and isn't available for Cart purchases.

Learn more about buying and selling with Afterpay, in our tools guide.


  • Afterpay is free for buyers, providing instalments are paid on time – and offers Buyer Protection.
  • Available on auction and Buy Now listings, where the seller has offered it as a payment option.
  • Can be used for transactions up to $2,000.00.
  • Cart purchases can't use Afterpay. Multiple items can be bought by purchasing them individually.

To use Afterpay, buyers must register an Afterpay account. 
To be register, buyers must:

  • live in NZ
  • be at least 18 years old
  • be capable of entering into a legally binding contract 
  • have a valid and verifiable email and mobile number
  • use a NZ debit or credit card to make the purchases.

Individual credit limits are set by Afterpay. See their website for more details.

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Buyers can buy now and pay across four instalments. Afterpay handles receiving payments from the buyer.

  • To receive payment via Afterpay:
    • Register for Pay Now (feedback rating of 98% or higher required).
    • Select it as a payment option when creating a listing in an eligible category.
  • Payments received appear instantly in your Pay Now & Afterpay account.
  • Afterpay can be used on purchases up to $2,000.00.


A transaction fee of 4.95% is automatically deducted from the total payment amount (including shipping). Success fees may also apply.

Afterpay fees are refunded automatically when a full or partial refund is made.

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Refunding Afterpay payments

  1. Go to Sold from My Trade Me.
  2. Select the listing, then select Payment details & refunds.
  3. Select Issue refund.
  4. Select the amount you'd like to refund, and follow the prompts to confirm.

To refund an Afterpay payment, head to our Desktop site.

To refund an Afterpay payment, head to in your browser.

To refund an Afterpay payment, head to in your browser.


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Restrictions & exclusions

Auctions in 'Pets & animals' categories are eligible for Afterpay.


Buyers must have a feedback rating of 2 or higher to pay with Afterpay in these categories.

  • Parts & accessories categories for Cars, Boats & marine, Caravans & motorhomes, Motorbikes and trailers
  • Car stereos
  • Computers
  • Electronics & photography
  • Gaming
  • Gemstones
  • Jewellery (under Antiques & collectables)
  • Mobile phones
  • Phonecards
  • Royal family
  • Watches


Afterpay can't be used for these categories.

  • Alcohol related
  • Businesses for sale
  • Earthmoving machinery
  • Food & beverage
  • Forklifts & pallet movers
  • Harvest & post-harvest
  • Horses & ponies
  • Hunting & shooting
  • Livestock
  • Poultry
  • R18 - Adult
  • Tobacco-related
  • Tractors
  • Trailers & transportation
  • Travel
  • Events & activities
  • Wine
  • Banknotes
  • Coins

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Learn about using Afterpay on Trade Me – for buyers and sellers.

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