Why Is Afterpay Not Functioning On My Site?

Explanation:

There are several reasons as to why an error may occur on your Magento-based site’s checkout page when Afterpay as the payment method is attempted.

Please refer to the Action section to further understand and resolve the challenge.

Actions:    

Please review and follow the various reasons and solutions below:

• Incorrect API Credentials
  • Causes:
    • Invalid or outdated Afterpay API keys or Merchant IDs.
    • Sandbox credentials used in production, or vice versa.
  • Solution:
    • Go to Stores > Configuration > Sales > Payment Methods > Afterpay.
    • Double-check the Merchant ID and Public/Private API keys.
    • Ensure you're using live credentials in production and sandbox credentials in staging.
• Afterpay Not Enabled in Admin
  • Cause: Afterpay is disabled in the backend config.
  • Solution:
    • Go to Stores > Configuration > Sales > Payment Methods > Afterpay, enable the module.
    • Save and flush cache.
• Plugin or Extension Not Installed or Outdated
  • Causes:
    • The official Afterpay module for Magento isn’t installed or is not the latest version.
    • Conflicts with other installed extensions.
  • Solution: Please ensure the official Afterpay plugin is installed, also to check Afterpay's official Magento documentation for version compatibility.
• Customization on Magento CE Causing Conflicts
  • Cause: Custom code and modules on Magento Community Edition interfering with Afterpay logic or checkout flow.
  • Solution:
    • Please isolate the custom module by disabling it temporarily, revert any custom templates or JS files that override default payment or checkout behavior, and check if customization overrides layout XML that might remove or move Afterpay blocks.
    • Compare with a clean CE install and test behavior, and co-ordinate with the developer to refactor custom logic to be compatible with Afterpay’s integration points.
• SSL Certificate Issues
  • Cause: No HTTPS - Afterpay requires secure connections.
  • Solution:
    • Ensure SSL certificate is installed and site is accessible via HTTPS.
    • Update Magento’s base URL settings to use https://.
• Country or Region Restrictions
  • Cause: Afterpay disabled for certain countries or regions.
  • Solution:
    • In Afterpay config, set “Allowed Countries” to either “All” or the specific countries supported by your Afterpay account.
    • Check if shipping/billing addresses fall within those allowed regions.
• Minimum/Maximum Order Value Limits
  • Cause: Order total outside Afterpay limits.
  • Solution: Check the cart subtotal and adjust the cart to fall within the limits.

Related Links: 

• Magento Forum
• Afterpay Magento Integration Guide