Does Costco Accept Afterpay? (Payment Methods Online, In-Store)

If you enjoy shopping at Costco, you might be curious if Afterpay, a buy-now-pay-later financing service is accepted there. After all, it’s a practical method to balance out the expense of your products over time without paying interest. Does Costco accept Afterpay? Unfortunately, the answer is no. But there are alternative payment choices open to you. Keep on reading to find out more!

Quick Summary

Costco has many other payment options available for its customers but, unfortunately, you can not make purchases here through Afterpay. Costco accepts Zip, previously known as Quadpay, which allows its customers to pay for their purchases in installments. Moreover, Costco accepts their store cards, ATM cards, Visa and Mastercard, Samsung Pay, Apple Pay, and Google Pay.

Does Costco Accept Afterpay? (2023)

Unfortunately, Costco does not accept Afterpay in 2023.

But don’t give up hope.  Costco has a few more tricks to help you get those bulk deals. Costco now offers Zip, previously known as Quadpay, in place of Afterpay.

With Zip, you can divide your purchase price into four payments separated by six weeks which are interest-free. This allows you to pay for your purchases over a longer time frame and in installments.

You won’t suddenly feel the squeeze in your budget if you want to have big snack bags and huge jars of peanut butter.

Also, Costco accepts their own store cards in addition to Visa and Mastercard as well as other popular credit and debit cards. If you’re an innovative shopper, you can also use Samsung Pay, Apple Pay, or Google Pay.

Therefore, when you next find yourself exploring the shelves of Costco, don’t stress over how you will afford that big jar of Nutella. Just keep in mind that Costco has you covered with a variety of payment alternatives to let you take the products home.

Also Read: Does Costco Sell Visa Gift Cards?

Why Is Afterpay Not Accepted at Costco?

Costco does not accept Afterpay because the company offers its customers alternative payment options.

Costco is one of the biggest shops in the world, but it does not allow consumers to use Afterpay as a form of payment. Customers who use the popular “buy-now-pay-later” financing service can spread out their payments for their purchases over a few weeks or months.

Despite its widespread use, Costco does not currently provide Afterpay for both in-person and online transactions.

Customers can utilize alternative payment methods that Costco does provide, though. One of these choices is Zip, originally Quadpay. Customers may use Zip to pay for their products in four interest-free payments that are separated by six weeks.

Customers may now purchase products and cover the cost for them over time in affordable payments without paying interest.

Besides Zip, Costco also takes all popular credit and debit cards, such as Mastercard and Visa, as well as their own store cards. Also, they accept Contactless Payments, like Samsung Pay, Google Pay, and Apple Pay.

Which Other Retailers Take Afterpay?

Afterpay is accepted at Target and Bed Bath & Beyond retail stores.

If you like Afterpay and are curious about other places you can utilize this financing option, then look no further. Here are a few popular retailers that accept Afterpay.

Target comes first on the list. However,  Target only accepts Afterpay for online transactions made via as well as the Target application. But, if you have an Afterpay card, you may spend it without entering it into your account just like any regular debit or credit card. There is a $1 minimum and $1,000 maximum spending restriction on Afterpay at Target, so be careful of this while making purchases.

Next is Bed Bath & Beyond. You can use Afterpay in-store in addition to using it for online purchases. The first of your four payments is required at the point of purchasing, and the other three are taken out every two weeks. You also have the choice to pay more than you were supposed to in advance. Moreover, there is a $10 minimum for both in-person and online transactions, and Bed Bath & Beyond does not accept Afterpay for gift card purchases.

So, even though Costco might not accept it, there are many stores that accept Afterpay.

How can I use Afterpay?

Just install the application, create an account, and follow the instructions on the screen.

Imagine you are browsing the website of your favorite shop when you come across a beautiful new outfit that you simply must have. But you are aware that you do not have enough money in your bank account to make the payment, and you notice the Afterpay logo. So, you feel a sense of relief when you realize that you can buy the outfit now and pay for it later, interest-free.

So, how does it work? It is actually quite simple. With Afterpay, you can divide the price of your order into four simple payments, which you can extend over a six-week period. There will be no interest, whatsoever. Thus, you are allowed to take pleasure in some window shopping without having to worry about going broke.

The only requirements include downloading the Afterpay app and creating an account. Then you can choose Afterpay as your payment option when checking out by adding it to your digital wallet. 

So, feel free to reward yourself with that beautiful outfit or the expensive bag you have had your eyes on.

Does Costco accept Buy-Now-Pay-Later payments?

Yes, Costco does accept Buy-Now-Pay-Later payments to facilitate its customers.

Costco provides a buy-now-pay-later financing plan through Zip, formerly known as Quadpay. Customers at Costco can use Zip to spread out their payments over a six-week period in four installments.

The procedure is easy and simple. First, Costco customers need to install the Zip app, and then look for Costco in the list, and then add the products they want to purchase online to the shopping basket in order to use Zip. Finally, customers can then press “Pay with Zip” to complete the transaction at the checkout. The app also notifies users to make the payment for additional customer convenience.

If a customer prefers to make their purchase in person, they may do so by choosing the in-store option on the Zip app, entering the full purchase amount, and then confirming it to create a virtual card. Afterward, this virtual card can be attached to Google Play or Apple Wallet for simpler access and to complete the transaction

Customers are asked to cover 25% of the whole cost up front, with the remaining amount being divided into three equal installments over the next six weeks. Every two weeks, these installments are automatically taken from the customer’s associated credit or debit card.

Also, Costco could impose certain restrictions on what can be bought using Zip financing. Therefore, customers must follow their payment schedule in order to avoid late fees and other penalties.

Also Read: Costco Airpods Return Policy.

What Other Payment Options Does Costco Accept?

Costco accepts all Visa Cards, ATM cards, Costco Anywhere Visa Card, mobile payments like Samsung Pay, Google Pay and Apple Pay.

Costco is one of the world’s largest wholesale retailers which allows a variety of payment options depending on where you visit. The multiple payment methods that Costco members can use at various locations are listed below:

Online Purchases at For purchases made online at, the company accepts Costco Shop cards, major Visa cards, MasterCard, Discover cards like Diners Club and JCB, the Costco Anywhere Visa Card by Citi, and the majority of PIN-based debit or ATM cards.

In-store U.S. Warehouse Purchases: For in-person purchases in U.S. warehouse sites, Costco takes Visa cards, the majority of PIN-based debit or ATM cards, including Costco Anywhere Visa Card by Citi, cash, Costco Shop cards, traveler’s checks, individual checks from Costco members, company checks from Costco members, EBT cards, as well as mobile payments through Google Pay, Samsung Pay, and Apple Pay.

Customers can utilize the Costco Anywhere Visa Card with all Visa cards Citi, the majority of PIN-based debit or ATM cards, and Costco Shop cards at Costco petrol stations.

Moreover, Costco might have certain specifications or restrictions on the use of particular payment methods, therefore it’s always advisable to verify with the store before purchasing anything. Furthermore, Costco shops outside of the US might not accept certain payment methods.

Key Takeaways

  • Although Afterpay is not accepted at Costco, there are still many other ways for customers to pay. Costco uses Zip, formerly called Quadpay, which enables customers to pay for items over time.
  • Moreover, Costco accepts all Visa, Mastercard, debit and ATM cards, Costco store cards, Samsung Pay, Apple Pay, and Google Pay. Shoppers in-store have the option of paying with cash, EBT cards, or cheques.
  • Lastly, it is important to remember that not all Costco stores may accept specific payment methods, so it’s advisable to double-check with the retailer in advance.

Frequently Asked Questions (FAQs)

Can I divide a payment?

Yes. The majority of payments can be done using several credit cards. For instance, it is acceptable to split your payment in half and use your Visa and Mastercard to make the purchase. You may either phone us at 1-866-921-7925 or pay through a Costco Travel account to do this.

What kind of payment does Costco reject?

Discover and MasterCard credit cards are not accepted in Costco locations, but you may use them to make purchases on and in the Costco phone app. Moreover, American Express credit cards are not accepted by Costco in person, online, or through the Costco app.

Does Costco allow online transactions?

Yes, the digital payment option is only available for transactions made at Costco warehouses (apart from gas stations and food courts).

Is PayPal Acceptable at Costco?

Unfortunately, neither Costco’s website nor any of their physical shops accept PayPal. You are able to utilize your PayPal balance in other ways to pay for things at Costco. With the help of PayPal, you may transfer cash online.