Afterpay Text – Is It a Scam?

What is the Afterpay Text Scam?

You just got a text from what looks like Afterpay — maybe it’s a verification code you never asked for, a warning that your account is restricted, or an exciting message saying you have thousands of dollars in credit waiting. Before you click anything or type anything back, read this article right now. This scam is actively surging in 2025 and 2026, and it’s costing victims real money. The protection guide at the bottom of this page will tell you exactly what to do.

Afterpay is a legitimate Buy Now, Pay Later (BNPL) service owned by Block Inc. — but criminals have been systematically exploiting its brand to run convincing phishing operations targeting both Afterpay users and people who have never even signed up. Fraud targeting Afterpay surged dramatically in 2025, with multiple distinct attack patterns now in active circulation. Afterpay itself has confirmed that unsolicited verification code texts are phishing attempts and can be safely ignored — but the scam goes far deeper than just annoying texts. In the most dangerous version, criminals are using breached personal data to open fraudulent Afterpay accounts in victims’ names entirely without their knowledge, making purchases while the victim gets left holding the bill.

How Did I Get Targeted by the Afterpay Text Scam?

You didn’t do anything wrong to end up on the receiving end of this — scammers cast extremely wide nets. Here’s how the different versions of this scam reach victims:

• Data breaches and purchased lists — Your phone number and personal details were almost certainly obtained through a past data breach or purchased from data brokers. Scammers use these lists to blast out fake Afterpay texts at scale via malspam-style SMS campaigns targeting anyone associated with the Afterpay brand.
• New-account fraud using your identity — In the more dangerous variant, criminals piece together your name, email, and address from breached data, register an Afterpay account with a phone number they control, and route all verification codes to themselves. The first you hear about it is when genuine Afterpay emails start hitting your inbox for an account you never created.
• Classic smishing with fake credit offers — Scam texts claim you have thousands of dollars in unclaimed Afterpay credit. Clicking the link leads to a phishing page that either harvests your banking credentials or attempts to install malware on your device via a malicious redirect.
• Account restriction and payment failure warnings — Fake texts claiming your payment failed or your account has been suspended are designed to trigger panic and make you click immediately without thinking — a classic social engineering tactic used across all major phishing operations.

What Does the Afterpay Text Scam Do?

The specific damage depends on which version of the scam you’re dealing with — but none of them are harmless. Here’s what each type of Afterpay text scam is actually designed to do:

• Credential harvesting — The fake “account restricted” or “payment failed” texts lead to convincingly branded fake Afterpay pages that harvest your username, password, and one-time passcode (OTP) simultaneously. With all three, attackers can bypass two-factor authentication entirely and take over your real account for unauthorized purchases.
• Banking credential theft — The most dangerous smishing variant redirects you to a fake bank login page after you “select your bank” on a phishing site. Victims have lost their full bank account balance this way. This is data collection of the most damaging kind.
• Identity theft through new-account fraud — Fraudulent Afterpay accounts opened in your name using your personal data can be used for purchases at real retailers, leaving you with disputed charges, damaged credit, and a complex fraud resolution process.
• Malware delivery — Some scam links attempt to install spyware or adware on your device via drive-by download, with trackers left behind to monitor your activity even after you close the page.

Never share a verification code with anyone — Afterpay will never call you and ask you to read back a code. Robocalls that claim your Afterpay account was hacked and ask you to confirm a six-digit code are always scams, and sharing that code gives attackers full account access.

What Should You Do?

If you received an unsolicited Afterpay text, delete it and block the number — do not click any links. If you already clicked a link or entered any details, change your Afterpay password immediately, contact your bank, enable two-factor authentication, and check for a fraudulent account in your name using Afterpay’s Unauthorised Activity form. If you think malware may have been installed, follow the full removal guide below this article right away.

Ventsislav Krastev

Ventsislav is a cybersecurity expert at SensorsTechForum since 2015. He has been researching, covering, helping victims with the latest malware infections plus testing and reviewing software and the newest tech developments. Having graduated Marketing as well, Ventsislav also has passion for learning new shifts and innovations in cybersecurity that become game changers. After studying Value Chain Management, Network Administration and Computer Administration of System Applications, he found his true calling within the cybersecrurity industry and is a strong believer in the education of every user towards online safety and security.

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• Windows
• Mac OS X
• Google Chrome
• Mozilla Firefox
• Microsoft Edge
• Safari
• Internet Explorer
• Stop Push Pop-ups

How to Remove Afterpay Text Scam from Windows.

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Step 1: Scan for Afterpay Text Scam with SpyHunter Anti-Malware Tool

1.1 Click on the "Download" button to proceed to SpyHunter's download page.

Download

Malware Removal Tool

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It is recommended to run a scan before purchasing the full version of the software to make sure that the current version of the malware can be detected by SpyHunter. Click on the corresponding links to check SpyHunter's EULA, Privacy Policy and Threat Assessment Criteria.

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1.2 After you have installed SpyHunter, wait for it to update automatically.

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1.3 After the update process has finished, click on the 'Malware/PC Scan' tab. A new window will appear. Click on 'Start Scan'.

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1.4 After SpyHunter has finished scanning your PC for any files of the associated threat and found them, you can try to get them removed automatically and permanently by clicking on the 'Next' button.

If any threats have been removed, it is highly recommended to restart your PC.

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Step 2: Boot Your PC In Safe Mode

2.1 Hold Windows key + R

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2.2 The "Run" Window will appear. In it, type "msconfig" and click OK.

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2.3 Go to the "Boot" tab. There select "Safe Boot" and then click "Apply" and "OK".

Tip: Make sure to reverse those changes by unticking Safe Boot after that, because your system will always boot in Safe Boot from now on.

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2.4 When prompted, click on "Restart" to go into Safe Mode.

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2.5 You can recognise Safe Mode by the words written on the corners of your screen.

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Step 3: Uninstall Afterpay Text Scam and related software from Windows

Uninstall Steps for Windows 11

1 Go to the search bar and type "Add or Remove Programs" and then click it.

2 Locate the software that you want to uninstall click on the three dots and click "Uninstall" to begin the process.

3 Follow the uninstall steps until the software has been effectively removed from your computer

Uninstall Steps for Windows 10 and Older Versions

Here is a method in few easy steps that should be able to uninstall most programs. No matter if you are using Windows 10, 8, 7, Vista or XP, those steps will get the job done. Dragging the program or its folder to the recycle bin can be a very bad decision. If you do that, bits and pieces of the program are left behind, and that can lead to unstable work of your PC, errors with the file type associations and other unpleasant activities. The proper way to get a program off your computer is to Uninstall it. To do that:

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1 Hold the Windows Logo Button and "R" on your keyboard. A Pop-up window will appear.

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2 In the field type in "appwiz.cpl" and press ENTER.

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3 This will open a window with all the programs installed on the PC. Select the program that you want to remove, and press "Uninstall" Follow the instructions above and you will successfully uninstall most programs.

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Step 4: Clean Any registries, Created by Afterpay Text Scam on Your PC.

The usually targeted registries of Windows machines are the following:

• HKEY_LOCAL_MACHINE\Software\Microsoft\Windows\CurrentVersion\Run
• HKEY_CURRENT_USER\Software\Microsoft\Windows\CurrentVersion\Run
• HKEY_LOCAL_MACHINE\Software\Microsoft\Windows\CurrentVersion\RunOnce
• HKEY_CURRENT_USER\Software\Microsoft\Windows\CurrentVersion\RunOnce

You can access them by opening the Windows registry editor and deleting any values, created by Afterpay Text Scam there. This can happen by following the steps underneath:

4.1 Open the Run Window again, type "regedit" and click OK.

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4.2 When you open it, you can freely navigate to the Run and RunOnce keys, whose locations are shown above.

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4.3 You can remove the value of the virus by right-clicking on it and removing it.

Tip: To find a virus-created value, you can right-click on it and click "Modify" to see which file it is set to run. If this is the virus file location, remove the value.

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Video Removal Guide for Afterpay Text Scam (Windows).

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Get rid of Afterpay Text Scam from Mac OS X.

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Step 1: Uninstall Afterpay Text Scam and remove related files and objects

1.1 Hit the ⇧+⌘+U keys to open Utilities. Another way is to click on “Go” and then click “Utilities”, like the image below shows:

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1.2 Find Activity Monitor and double-click it:

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1.3 In the Activity Monitor look for any suspicious processes, belonging or related to Afterpay Text Scam:

Tip: To quit a process completely, choose the “Force Quit” option.

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1.4 Click on the "Go" button again, but this time select Applications. Another way is with the ⇧+⌘+A buttons.

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1.5 In the Applications menu, look for any suspicious app or an app with a name, similar or identical to Afterpay Text Scam. If you find it, right-click on the app and select “Move to Trash”.

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1.6 Select Accounts, after which click on the Login Items preference.

Your Mac will then show you a list of items that start automatically when you log in. Look for any suspicious apps identical or similar to Afterpay Text Scam. Check the app you want to stop from running automatically and then select on the Minus (“-“) icon to hide it.

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1.7 Remove any left-over files that might be related to this threat manually by following the sub-steps below:

• Go to Finder.
• In the search bar type the name of the app that you want to remove.
• Above the search bar change the two drop down menus to “System Files” and “Are Included” so that you can see all of the files associated with the application you want to remove. Bear in mind that some of the files may not be related to the app so be very careful which files you delete.
• If all of the files are related, hold the ⌘+A buttons to select them and then drive them to “Trash”.

In case you cannot remove Afterpay Text Scam via Step 1 above:

In case you cannot find the virus files and objects in your Applications or other places we have shown above, you can manually look for them in the Libraries of your Mac. But before doing this, please read the disclaimer below:

Disclaimer! If you are about to tamper with Library files on Mac, be sure to know the name of the virus file, because if you delete the wrong file, it may cause irreversible damage to your MacOS. Continue on your own responsibility!

1: Click on "Go" and Then "Go to Folder" as shown underneath:

2: Type in "/Library/LauchAgents/" and click Ok:

3: Delete all of the virus files that have similar or the same name as Afterpay Text Scam. If you believe there is no such file, do not delete anything.

You can repeat the same procedure with the following other Library directories:

→ ~/Library/LaunchAgents
/Library/LaunchDaemons

Tip: ~ is there on purpose, because it leads to more LaunchAgents.

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Step 2: Scan for and remove Afterpay Text Scam files from your Mac

When you are facing problems on your Mac as a result of unwanted scripts and programs such as Afterpay Text Scam, the recommended way of eliminating the threat is by using an anti-malware program. SpyHunter for Mac offers advanced security features along with other modules that will improve your Mac’s security and protect it in the future.

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Click the button below below to download SpyHunter for Mac and scan for Afterpay Text Scam:

Download

SpyHunter for Mac

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Video Removal Guide for Afterpay Text Scam (Mac)

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Remove Afterpay Text Scam from Google Chrome.

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Step 1: Start Google Chrome and open the drop menu

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Step 2: Move the cursor over "Tools" and then from the extended menu choose "Extensions"

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Step 3: From the opened "Extensions" menu locate the unwanted extension and click on its "Remove" button.

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Step 4: After the extension is removed, restart Google Chrome by closing it from the red "X" button at the top right corner and start it again.

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Erase Afterpay Text Scam from Mozilla Firefox.

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Step 1: Start Mozilla Firefox. Open the menu window:

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Step 2: Select the "Add-ons" icon from the menu.

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Step 3: Select the unwanted extension and click "Remove"

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Step 4: After the extension is removed, restart Mozilla Firefox by closing it from the red "X" button at the top right corner and start it again.

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Uninstall Afterpay Text Scam from Microsoft Edge.

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Step 1: Start Edge browser.

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Step 2: Open the drop menu by clicking on the icon at the top right corner.

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Step 3: From the drop menu select "Extensions".

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Step 4: Choose the suspected malicious extension you want to remove and then click on the gear icon.

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Step 5: Remove the malicious extension by scrolling down and then clicking on Uninstall.

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Remove Afterpay Text Scam from Safari

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Step 1: Start the Safari app.

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Step 2: After hovering your mouse cursor to the top of the screen, click on the Safari text to open its drop down menu.

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Step 3: From the menu, click on "Preferences".

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Step 4: After that, select the 'Extensions' Tab.

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Step 5: Click once on the extension you want to remove.

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Step 6: Click 'Uninstall'.

A pop-up window will appear asking for confirmation to uninstall the extension. Select 'Uninstall' again, and the Afterpay Text Scam will be removed.

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How to Reset Safari
IMPORTANT: Before resetting Safari make sure you back up all your saved passwords within the browser in case you forget them.

Start Safari and then click on the gear leaver icon.

Click the Reset Safari button and you will reset the browser.

Eliminate Afterpay Text Scam from Internet Explorer.

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Step 1: Start Internet Explorer.

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Step 2: Click on the gear icon labeled 'Tools' to open the drop menu and select 'Manage Add-ons'

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Step 3: In the 'Manage Add-ons' window.

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Step 4: Select the extension you want to remove and then click 'Disable'. A pop-up window will appear to inform you that you are about to disable the selected extension, and some more add-ons might be disabled as well. Leave all the boxes checked, and click 'Disable'.

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Step 5: After the unwanted extension has been removed, restart Internet Explorer by closing it from the red 'X' button located at the top right corner and start it again.

Remove Push Notifications from Your Browsers

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Turn Off Push Notifications from Google Chrome

To disable any Push Notices from Google Chrome browser, please follow the steps below:

Step 1: Go to Settings in Chrome.

Step 2: In Settings, select “Advanced Settings”:

Step 3: Click “Content Settings”:

Step 4: Open “Notifications”:

Step 5: Click the three dots and choose Block, Edit or Remove options:

Remove Push Notifications on Firefox

Step 1: Go to Firefox Options.

Step 2: Go to “Settings”, type “notifications” in the search bar and click "Settings":

Step 3: Click “Remove” on any site you wish notifications gone and click “Save Changes”

Stop Push Notifications on Opera

Step 1: In Opera, press ALT+P to go to Settings.

Step 2: In Setting search, type “Content” to go to Content Settings.

Step 3: Open Notifications:

Step 4: Do the same as you did with Google Chrome (explained below):

Eliminate Push Notifications on Safari

Step 1: Open Safari Preferences.

Step 2: Choose the domain from where you like push pop-ups gone and change to "Deny" from "Allow".

Afterpay Text Scam-FAQ

What Is Afterpay Text Scam?

The Afterpay Text Scam threat is adware or browser redirect virus.

It may slow your computer down significantly and display advertisements. The main idea is for your information to likely get stolen or more ads to appear on your device.

The creators of such unwanted apps work with pay-per-click schemes to get your computer to visit risky or different types of websites that may generate them funds. This is why they do not even care what types of websites show up on the ads. This makes their unwanted software indirectly risky for your OS.

What Are the Symptoms of Afterpay Text Scam?

There are several symptoms to look for when this particular threat and also unwanted apps in general are active:

Symptom #1: Your computer may become slow and have poor performance in general.

Symptom #2: You have toolbars, add-ons or extensions on your web browsers that you don't remember adding.

Symptom #3: You see all types of ads, like ad-supported search results, pop-ups and redirects to randomly appear.

Symptom #4: You see installed apps on your Mac running automatically and you do not remember installing them.

Symptom #5: You see suspicious processes running in your Task Manager.

If you see one or more of those symptoms, then security experts recommend that you check your computer for viruses.

What Types of Unwanted Programs Are There?

According to most malware researchers and cyber-security experts, the threats that can currently affect your device can be rogue antivirus software, adware, browser hijackers, clickers, fake optimizers and any forms of PUPs.

What to Do If I Have a "virus" like Afterpay Text Scam?

With few simple actions. First and foremost, it is imperative that you follow these steps:

Step 1: Find a safe computer and connect it to another network, not the one that your Mac was infected in.

Step 2: Change all of your passwords, starting from your email passwords.

Step 3: Enable two-factor authentication for protection of your important accounts.

Step 4: Call your bank to change your credit card details (secret code, etc.) if you have saved your credit card for online shopping or have done online activities with your card.

Step 5: Make sure to call your ISP (Internet provider or carrier) and ask them to change your IP address.

Step 6: Change your Wi-Fi password.

Step 7: (Optional): Make sure to scan all of the devices connected to your network for viruses and repeat these steps for them if they are affected.

Step 8: Install anti-malware software with real-time protection on every device you have.

Step 9: Try not to download software from sites you know nothing about and stay away from low-reputation websites in general.

If you follow these recommendations, your network and all devices will become significantly more secure against any threats or information invasive software and be virus free and protected in the future too.

How Does Afterpay Text Scam Work?

Once installed, Afterpay Text Scam can collect data using trackers. This data is about your web browsing habits, such as the websites you visit and the search terms you use. It is then used to target you with ads or to sell your information to third parties.

Afterpay Text Scam can also download other malicious software onto your computer, such as viruses and spyware, which can be used to steal your personal information and show risky ads, that may redirect to virus sites or scams.

Is Afterpay Text Scam Malware?

The truth is that PUPs (adware, browser hijackers) are not viruses, but may be just as dangerous since they may show you and redirect you to malware websites and scam pages.

Many security experts classify potentially unwanted programs as malware. This is because of the unwanted effects that PUPs can cause, such as displaying intrusive ads and collecting user data without the user’s knowledge or consent.

About the Afterpay Text Scam Research

The content we publish on SensorsTechForum.com, this Afterpay Text Scam how-to removal guide included, is the outcome of extensive research, hard work and our team’s devotion to help you remove the specific, adware-related problem, and restore your browser and computer system.

How did we conduct the research on Afterpay Text Scam?

Please note that our research is based on independent investigation. We are in contact with independent security researchers, thanks to which we receive daily updates on the latest malware, adware, and browser hijacker definitions.
Furthermore, the research behind the Afterpay Text Scam threat is backed with VirusTotal.
To better understand this online threat, please refer to the following articles which provide knowledgeable details.