Can I Buy Bitcoin with Afterpay?

You can try, but it is not something I would rely on. Afterpay does not sell Bitcoin in app, so the only practical attempt is using the Afterpay Card through Apple Pay. Afterpay Plus is the version that tends to work in more Apple Pay checkouts.

Apple Pay is only the wrapper. Afterpay still enforces merchant and category rules, and crypto is often tagged as financial or cash-equivalent spend, which BNPL programs commonly restrict. That is why it can approve once and then decline later.

If you want repeatable BTC buys, use bank transfer (ACH, Faster Payments, SEPA, PayID or your local rail) or a standard bank-issued Visa or Mastercard debit card to a regulated exchange, then buy once funds are credited.

How to Buy Crypto with Afterpay

If you want to buy Bitcoin with Afterpay, the only route I have seen work sometimes is using the Afterpay Plus Card in Apple Pay at checkout on a checkout that supports Apple Pay. Bitunix supports Apple Pay and says it serves 3+ million users globally, so it is a solid first place to run a small test.

If it clears, you have effectively bought crypto using Afterpay’s pay in 4 setup. If it fails, stop after one attempt. Afterpay Plus is built to work in more places than the standard card, but it still has merchant and product restrictions, and crypto purchases can fall into restricted categories.

My fallback is the native cash rail for my country, then buy once funds land: PayID (AU), ACH (US), Faster Payments (UK), SEPA (EU). It is less exciting than BNPL, but it clears more often.

Step by step to try Afterpay on Bitunix, then switch cleanly

1. Subscribe to Afterpay Plus and confirm your Afterpay Plus Card is active in the Afterpay app.
2. Add the Plus Card to Apple Wallet, so it shows up in Apple Pay.
3. Open Bitunix and go to Buy Crypto or One Click Buy.
4. Pick BTC (or USDT), enter a small test amount, select Apple Pay, then choose the Afterpay Plus Card in Apple Pay.
5. If approved, complete the buy. If declined, do not retry repeatedly.
6. Switch to your local deposit method (PayID, ACH, Faster Payments, SEPA), wait for funds to credit, then buy BTC on Spot.

Fees and Deposit Limits for Afterpay Plus

If you run Afterpay Plus through Apple Pay on Bitunix, your fees habe three layers: the Afterpay Plus subscription, any Afterpay late fees if you miss payments, and the Bitunix card purchase fee or spread shown at checkout. Afterpay says standard Afterpay has no interest or annual fees when you pay on time, while Plus costs $9.99 per month.

Your buying power is capped twice. Afterpay controls it with your Spend Limit (and optional Spend Cap, minimum $100). Bitunix then applies card style limits of $50 to $5,000 equivalent per transaction and a $5,000 equivalent daily limit, with KYC required for card purchases.

Once the purchase is done, Bitunix says crypto usually arrives within 10 minutes, but it can take up to 2 business days depending on the payment method. Trading fees start at 0.08% maker and 0.10% taker for spot, and 0.02% maker and 0.06% taker for futures at VIP 0.

Quick numbers to know:

• Afterpay Plus: $9.99 per month. Late fees may apply.
• Spend Cap: minimum $100 (you set this in-app).
• Bitunix card buy limits: $50 to $5,000 per transaction, $5,000 daily.
• Bitunix fees (VIP 0): spot 0.08% maker, 0.10% taker; futures 0.02% maker, 0.06% taker. 

Afterpay Cryptocurrency Policy

Afterpay is a BNPL checkout product, not a crypto service. In my testing, you cannot use Afterpay to buy Bitcoin “inside Afterpay.” The Afterpay Card is simply a digital card you add to Apple Pay, Google Pay, or Samsung Pay.

Afterpay Plus is the key detail for crypto attempts. Afterpay says the Plus Card can be used almost anywhere Apple Pay is accepted, but it also flags restricted merchants, including some financial-related transactions (for example money transfers). That restriction is why exchange deposits and crypto checkouts can approve sometimes and get blocked other times, even when Apple Pay shows up.

In practical terms, Afterpay’s policy position is “shopping first, finance categories limited.” If you are trying to buy crypto, treat Afterpay Plus Card as a single test payment, not a dependable funding rail.

Best Afterpay Alternative for Buying Crypto

If Afterpay Plus does not clear, the best alternative is bank transfer to a regulated exchange, then buy BTC after funds land. It is the least fragile rail for repeat buys.

If you want to buy Bitcoin using credit, stick to a bank-issued Visa or Mastercard with 3D Secure and online and international payments enabled. That is the card setup most major platforms document for card purchases, including Bitunix, Binance, and Kraken.

Do not plan around American Express. Many crypto checkouts simply do not support it, or they only list Visa and Mastercard.

What is Afterpay?

Afterpay is a buy now, pay later service owned by Block that lets shoppers split purchases into four instalments over six weeks in the Afterpay app, online, and in-store. Key products include the Afterpay Card and the subscription Afterpay Plus Card, which extends pay in 4 to more checkouts through digital wallets like Apple Pay.

Afterpay reports about 24 million active global customers and operates across Australia, New Zealand, the US, Canada, and the UK, where it is branded Clearpay.

Final Thoughts

Afterpay can sometimes work for a crypto buy through the Afterpay Plus Card in Apple Pay, but it is not a reliable Bitcoin rail because BNPL category rules can trigger random declines. 

If you want to test it, do one small Bitunix Apple Pay purchase first and stop if it fails, do not spam retries. 

For repeat buys, switch to bank transfer in your region and buy BTC after funds clear, then move coins off the exchange if you are holding long term.