It works well until you have a return. I made a return to Lululemon for $106 and Afterpay is not crediting my account. They are holding to my money. It's not event that much. I don't recommend using them. I have been going back and forth with their rep Joyce for days now and she still hasn't credited my account. I don't trust them. I provided a receipt for the refund and still no resolution. Also, why don't they have a number to call? Red flag.