Resumen del cargo
AFTERPAY charges are installments from a pay-in-4 purchase — four equal payments, two weeks apart. The store you bought from never appears on your bank statement; only Afterpay does.
What is the Afterpay charge?
A charge from Afterpay typically reflects a payment you authorized for a 'Buy Now, Pay Later' purchase. Afterpay splits purchases into four installments, automatically charged every two weeks.
Bundled Payments and Pre-Authorizations
If you have multiple Afterpay installments due on the same day for different orders, Afterpay may bundle them into a single transaction on your bank statement.
When you make a new purchase, Afterpay may also place a temporary pre-authorization hold to verify your card, which is voided shortly after.
I didn't use Afterpay, why am I charged?
If you are certain you did not make an Afterpay purchase, contact your bank immediately to report a fraudulent transaction. Someone with your card information may have created a fraudulent account.
Dispute Rights & Fraud Prevention
If you suspect this charge is fraudulent or billing in error, you have strict federal rights protecting your account.
Always review your statement carefully and take action within 60 days.
What should I do if I don't recognize this charge?
First, check with family members or anyone authorized on your account. If the charge remains unrecognized, contact your bank immediately to report it. Under the Fair Credit Billing Act (FCBA), you have 60 days from the statement date to dispute unauthorized credit card charges.
How long does it take for a disputed charge to be removed?
Once you file a dispute, your bank must acknowledge it within 30 days and resolve it within two billing cycles (not exceeding 90 days). During this time, the disputed amount is usually placed on a provisional hold, meaning you do not have to pay it.
Referencia independiente no afiliada con Afterpay (Block, Inc.). Las descripciones varían según el banco.
Fuentes verificadas
- Afterpay — official site https://www.afterpay.com
- Afterpay — billing statements FAQ https://www.afterpay.com/help-center?ref=unknowncharges