Afterpay scores 4/5 for encryption, 3/5 for privacy, and 4/5 for track record. Overall safety score: 3/5.

What are the privacy concerns with Afterpay?

Afterpay security review covering payment protections, data privacy, and fraud prevention. Is Afterpay safe to use?

Has Afterpay been hacked before?

See our detailed analysis of Afterpay's past security incidents and track record at The Opt-Out Project.

Is Afterpay Safe? Security Review

Name: Is Afterpay Safe? Security Review
Item: Afterpay
Rating: 3
Author: The Opt-Out Project

Category: Payment App Company: Block, Inc. Reviewed February 10, 2026

3/5

Overall Safety Score

★ ★ ★ ★ ★

Verdict: Afterpay is reasonably safe with standard encryption and no interest charges. Being owned by Block brings corporate stability but also broader data sharing within the Block ecosystem.

Afterpay is a buy now, pay later service now owned by Block (formerly Square). It splits purchases into four interest-free installments and is popular among younger consumers.

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Security Ratings Breakdown

Category	Score	Rating
Encryption	4/5
Privacy	3/5
Track Record	4/5

Security Features

Fraud detection and prevention systems
PCI-DSS compliant payment processing
Two-factor authentication
No interest or hidden fees (late fees only)
Order dispute resolution process

Privacy Concerns

Purchase data shared within the Block/Square ecosystem
Shopping behavior tracked for merchant analytics
Marketing based on purchase patterns
Data retained even after account closure

Past Security Incidents

No major data breaches of Afterpay specifically as of 2025
Parent company Block disclosed the 2022 Cash App Investing breach, which did not affect Afterpay

How to Stay Safe Using Afterpay

Only use for purchases you have budgeted for
Enable two-factor authentication
Review Afterpay's data sharing settings
Monitor payment schedules to avoid late fees

Safer Alternatives

Klarna (wider global availability)
Affirm (longer payment terms available)
Sezzle (similar four-payment model)

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Last updated: February 10, 2026