Buy Now Pay Later

Metro 2 Integration for Afterpay

Integrate Afterpay (part of Block/Square) merchant data with Metro2 for credit bureau reporting. Afterpay does not report BNPL transactions to US credit bureaus natively. This Metro2 integration enables merchants to report Afterpay pay-in-4 and installment payments under their own furnisher ID. Metro2 connects via the Square Payments API with OAuth authentication (Afterpay is fully integrated into the Square ecosystem). Afterpay charges merchants approximately 2-6% + $0.30 per transaction.

How It Works

Afterpay merchant data is accessed via the Square Payments API (OAuth authenticated) and through Square webhook events. Metro2 maps BNPL payment data to Metro 2 Base Segment format and submits to Equifax, Experian, and TransUnion under your merchant furnisher ID.

Afterpay

Metro2

Credit Bureaus

Benefits

Enable Credit Building

Afterpay does not report to US credit bureaus natively. This integration gives customers credit for on-time Afterpay payments.

Square Ecosystem

Connect via the Square Payments API with OAuth. Afterpay is fully integrated into Block's payment infrastructure.

Pay-in-4 Reporting

Report Afterpay's signature pay-in-4 installment plans as installment tradelines on credit reports.

Merchant-Controlled

Report under your own furnisher ID for direct control over tradeline data and customer relationship.

CFPB Compliance

Stay compliant with evolving CFPB BNPL reporting guidance through Metro 2 compliant submissions.

Data Fields That Sync

Metro2 maps these fields from Afterpay to Metro 2 format automatically.

Customer demographics and identification
Installment terms and payment schedule
Payment records, amounts, and dates
Account status and delinquency
Original purchase amount and merchant reference
Square/Afterpay order and payment identifiers

Get Set Up in 4 Steps

Connect Square/Afterpay

Set up OAuth authentication with the Square developer platform. Afterpay data is accessed through the Square Payments API (POST /v2/payments).

Configure Webhook Events

Set up Square webhook endpoints to receive real-time Afterpay payment events and status updates.

Map Afterpay Products

Configure how Afterpay pay-in-4 and installment plans map to Metro 2 account types and reporting fields.

Start Reporting

Validate test data and begin credit bureau submissions under your furnisher ID.

Frequently Asked Questions

Does Afterpay report to credit bureaus?

No. Afterpay does not report BNPL transactions to US credit bureaus natively. This Metro2 integration is the way to get your customers' Afterpay payments reported.

Is Afterpay now part of Block?

Yes. Afterpay is part of Block (formerly Square). The API integration goes through the Square Payments API platform. This integration works with Afterpay merchant data within the Square ecosystem.

How does the Square API connection work?

Afterpay is fully integrated into Block's Square platform. Metro2 connects via OAuth authentication to the Square Payments API, using POST /v2/payments (CreatePayment) and related endpoints to access Afterpay transaction data.

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Ready to Connect Afterpay?

Start reporting to credit bureaus from Afterpay today. Our team will help you get set up quickly.