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

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 across Marketplace categories, and isn't available for Cart purchases.

Afterpay for sellers

To be eligible for Afterpay, sellers must register for Pay Now and have a positive feedback rating of 98% or higher.

When a buyer pays with Afterpay, the seller is paid within 3 business days. Afterpay organises payment with the buyer.

You can use Afterpay as a payment option, when listing on the desktop site, on listings valued up to $2,000.

Note: a fee of 4.95% of the total purchase, including shipping costs, is charged. This fee is additional to any success fees you incur on a sale.

Refund an Afterpay payment

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

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

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

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

Afterpay for buyers

To use Afterpay, buyers must register an Afterpay account. To be eligible for Afterpay, 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.


Afterpay is only available on auction and buy now listings where the seller has offered it as a payment option, and can't be used for Cart purchases. Multiple items can be bought by purchasing them individually.

Afterpay is free for buyers, providing you pay instalments on time. Afterpay set individual credit limits per user. 

Afterpay is covered by Buyer Protection.

Category restrictions

Pet & animal categories that are auctions are available for Afterpay.

Categories that require the buyer to have a feedback rating of at least 2, to offer Afterpay:

  • 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

Marketplace categories that permanently restrict Afterpay

  • 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



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

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