You can ask to close your account through the app, but Afterpay will not process the closure until you have paid everything you owe, and your financial obligations survive even after the account is formally closed.
This analysis describes what Afterpay's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The survival of liability after account closure means outstanding obligations do not disappear when you close your account, and the prohibition on closing to avoid an investigation may affect your ability to exit the service during a dispute.
Closing your Afterpay account does not extinguish any money you owe; your payment obligations continue after closure, and Afterpay will not complete the closure process until outstanding balances are paid.
How other platforms handle this
Use another user's account or share your account with another person;
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If you do not have a social security number you may still be eligible to open a limited Revolut personal account.
"You may request to close or deactivate your Account at any time via the mobile app. If you owe any payment or amount to Afterpay, Afterpay will not close or deactivate your Account until that payment or amount due has been made, but we may limit your ability to make additional transactions using your Account. You may not close or deactivate your Account to evade an investigation. You will remain liable for all obligations related to your Account even after the account is closed or deactivated.Excerpt from Afterpay's Terms of Service
(1) REGULATORY LANDSCAPE: The survival of financial obligations after account closure is standard in consumer credit and payment service agreements and is generally enforceable.
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The survival of liability after account closure means outstanding obligations do not disappear when you close your account, and the prohibition on closing to avoid an investigation may affect your ability to exit the service during a dispute.
Closing your Afterpay account does not extinguish any money you owe; your payment obligations continue after closure, and Afterpay will not complete the closure process until outstanding balances are paid.
ConductAtlas has identified this type of provision across 264 platforms. See the full comparison.
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