To stop buy now, pay later (BNPL) offers, first identify who sent the message and where it appeared: a retailer or BNPL provider, by email, text, app push notification, or an advertisement. Then change that sender’s marketing settings, use the email unsubscribe link, reply STOP to supported marketing texts, and block nonessential push notifications in your phone settings. These steps reduce promotions; they do not cancel a balance, stop scheduled repayments, or necessarily suppress account, order, legal, fraud, or service notices.
Start with the sender and channel
A shopping app can show several different kinds of BNPL promotion. A retailer may advertise installment payments during checkout, while the BNPL company may send its own email, text, push alert, or personalized advertisement. The Federal Trade Commission notes that shopping apps commonly send sale alerts, discount codes, coupons, special promotions, and rewards through their apps and related communications: FTC guidance on using a shopping app.
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Look at the “From” address, text short code, notification title, or advertiser name before changing settings. A retailer’s marketing switch will not control messages sent directly by a BNPL provider, and a provider’s app setting will not remove a retailer’s checkout banner.
| Where the offer appears | Most likely control | What the change affects |
|---|---|---|
| Marketing email from the BNPL provider | Unsubscribe link in the email or the provider’s marketing settings | Future promotional email; account and legally required messages may continue |
| Marketing email from a retailer | Retailer account communication settings or that email’s unsubscribe link | That retailer’s promotions, not provider messages |
| Marketing SMS | The provider’s documented opt-out keyword, such as STOP where supported | Marketing texts from that sender; do not assume it disables every service text |
| BNPL app push alert | Provider communication settings and your phone’s notification permissions | Promotional push alerts; essential service notices may use separate categories |
| Retailer app push alert | Retailer notification settings or phone notification permissions | Retailer sale and checkout promotions |
| Personalized ads on other websites | Provider advertising or privacy control, plus browser/device ad preferences | Some interest-based advertising; it may not remove every contextual ad |
| Installment option shown at checkout | Retailer checkout preferences, account settings, or choosing another payment method | The visible payment option for that retailer; it does not erase an existing account |
What to check before opting out
Separate promotions from necessary notices
Marketing includes discounts, shopping suggestions, personalized advertisements, and invitations to use installment financing. Necessary notices can include order confirmations, account-security alerts, payment reminders, legal disclosures, fraud warnings, and changes to service terms. Providers may continue sending the second category even after you turn off marketing.
Record any payment obligations
Changing communication preferences does not settle an outstanding BNPL balance. Before silencing notifications, open each active order, note the amount due and due date, and keep another reminder method if you rely on push alerts. Missing a repayment because a notification was disabled can lead to fees, account restrictions, or other consequences under your agreement.
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Expect a short delay
Marketing systems may already have queued an email, text, or push message. A message that arrives shortly after an opt-out does not necessarily mean the setting failed. Check the account setting again, allow processing time, and contact the sender if promotional messages continue beyond a reasonable delay.
Afterpay in the United States: turn off marketing communications
Afterpay’s U.S. instructions provide separate controls for personalized advertising, marketing email, and marketing push notifications. The labels and availability can vary by app version or account, so use the current settings shown in your account.
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- Open Afterpay and select Account.
- Open Communication settings.
- Select Marketing Communications.
- Turn off the toggles for personalized ads, marketing emails, and marketing push notifications that you no longer want.
The exact labels are documented in Afterpay’s Marketing – Your Choices help page. Changes may take a short time to apply. Afterpay says important account, order, and service updates can still be sent.
Change personalized advertising on the website
For Afterpay’s web account, the documented route for personalized advertising is Account > Preferences. This control addresses personalized ads; it is not a universal block on every advertisement or retailer checkout option.
Unsubscribe from an Afterpay marketing email
Open a promotional email and use its unsubscribe link. If the link takes you to a preference center, disable the relevant marketing category rather than opting out of a notice you still need. Keep the email until you see confirmation or the preference change is reflected in your account.
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Stop Afterpay marketing texts
Afterpay’s notification instructions say to reply STOP to 23837: Afterpay notification help. Short codes can change, so verify the current number in the linked help page or in the message you received before sending the reply. Do not send sensitive account information in a text response.
Disable Afterpay push notifications on your phone
Afterpay says push notifications can be disabled in its own settings. You can also open your phone’s system Settings, choose Notifications, select Afterpay, and turn off notifications or only the promotional categories your phone exposes. System-level blocking prevents the app from delivering push alerts, including ones you might otherwise want, so preserve another way to monitor due dates.
Do not confuse Afterpay marketing controls with AutoPay
AutoPay controls how an installment is collected; they do not control advertising. To disable AutoPay for a particular Afterpay order, open the relevant order and choose Turn off Autopay. After that, you must make each payment manually on or before its due date. The procedure and consequence are described in Afterpay’s AutoPay help article.
Turning off AutoPay is appropriate only when you intentionally want manual payments. It is not a method for removing BNPL promotions, hiding a checkout option, or closing an account.
Removing an Afterpay card is a payment task, not an advertising opt-out
Afterpay’s payment-method instructions use My Afterpay > settings icon > Payment methods. A card can be removed only when no active orders are associated with it. If an active order uses that card, change the order’s payment method first. See Afterpay’s card-management instructions.
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Those instructions do not say that deleting a saved card suppresses marketing or removes installment choices at checkout. Removing a card can also interfere with AutoPay, so treat it as account and payment-method maintenance rather than a communications setting.
Affirm: adjust notifications and marketing-data sharing
Change notification preferences through your account or support
Affirm’s Privacy Notice says people who no longer want notifications about the service—including account alerts, scheduled-payment reminders, legal-compliance messages, or nearby deals—may adjust preferences in their account or contact Affirm. The notice does not establish one universal menu path for every account, so look under the current account areas labeled Notifications, Communication, or similar, or ask support for the exact route shown for your account.
Affirm also says it may close or limit access if a customer opts out of crucial notices required to provide the service. You remain responsible for amounts owed even if you stop receiving reminders. Keep a separate calendar or banking alert for every due date when reducing notifications.
Limit disclosure to merchants for marketing
Affirm’s privacy notice describes a Data Sharing setting under Other Settings for opting out of disclosure to merchants for marketing. The notice says this setting was previously called Personalized Services before August 29, 2025. This choice concerns sharing information with merchants for marketing; it does not establish that every Affirm promotion, retailer advertisement, or checkout financing option will disappear.
Manage an Affirm payment method separately
Affirm provides in-app and website instructions for adding or removing a payment method in its payment-method help article. If the method is used for AutoPay, Affirm recommends replacing it so automatic payments continue. Removing or replacing a card changes payment processing, not your marketing subscription, and does not erase a balance.
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When the offer comes from a retailer
If the sender is a store rather than the BNPL provider, open the retailer’s account and inspect Communication, Marketing, Privacy, and Notification sections. Turn off sale alerts, financing promotions, personalized recommendations, or rewards messages individually when the app offers separate switches. Use the unsubscribe link in retailer emails and the retailer’s documented SMS opt-out for texts.
A retailer can continue displaying a financing choice at checkout even after its promotional messages are disabled. The checkout presentation is part of the retailer’s payment interface, not necessarily a marketing notification subscription. To avoid using BNPL for a purchase, select another payment method at checkout; do not assume that silencing messages changes the payment options shown.
Control each delivery channel
- Confirm the sender’s domain before clicking an unsubscribe link. If a message looks fraudulent, access the provider or retailer by typing its known address into your browser instead.
- Use the message’s unsubscribe link or the account’s marketing center. Select only the categories you want to stop.
- Keep account, security, order, and repayment emails enabled when possible, or create a mail rule that separates them from promotions rather than deleting everything.
SMS
- Use the exact opt-out keyword and destination documented by that sender. Afterpay’s U.S. instruction is STOP to 23837; another provider may use a different short code or process.
- Do not assume that replying STOP to one sender opts you out of a retailer and a BNPL provider at the same time.
- If texts continue, save the sender number, date, and message, then use the provider’s support channel. Avoid replying with account numbers, passwords, or one-time codes.
App push notifications
- First check the app’s own communication categories so you can disable promotions while retaining security or payment alerts.
- Use the phone’s notification settings when the app does not provide useful categories. This is a broad block and may also suppress important reminders.
Personalized advertising
Ads shown on a third-party site may be controlled by the BNPL provider’s advertising preference, the retailer’s privacy setting, or your browser and device advertising controls. Turning off personalized advertising generally reduces interest-based targeting; it does not guarantee that you will never see a BNPL advertisement. Contextual ads can still appear because of the page you are viewing.
Why offers can continue after you opt out
The message was already queued
Email and notification systems can prepare a campaign before your preference change. Wait for processing, then check whether a new message is promotional or an account notice.
More than one company is communicating
A retailer, a BNPL provider, a bank, and an advertising platform can each have separate permissions. Make a short list of every sender visible in the messages and repeat the appropriate opt-out with each one.
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You disabled only one channel
Turning off email does not automatically disable SMS, push notifications, or advertisements. Review the channel table above and make a separate change for each unwanted route.
The message is service-related
A payment reminder, order update, fraud alert, or legal disclosure may continue because the provider considers it necessary to operate the account. Do not classify a due-date notice as marketing merely because it mentions the provider’s product.
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The app or account labels changed
App updates, regional rules, and account status can change menu names. Search the current account for Account, Communication, Marketing, Privacy, or Notifications. If no control appears, use the provider’s official help center or support rather than relying on an old screenshot or a menu path from another country.
A practical opt-out workflow
- Capture the evidence. Note the sender, subject or message text, date, and channel. This prevents you from changing the wrong account.
- Classify the purpose. Decide whether it is a promotion, personalized ad, account notice, order update, repayment reminder, security alert, or legal message.
- Open the sender’s official settings. Use the provider or retailer app and look under Account, Communication, Marketing, Privacy, or Notifications.
- Disable only the unwanted category. Leave essential account and payment notices on when the service lets you separate them.
- Apply channel-specific controls. Unsubscribe from email, use the documented SMS keyword, and adjust app or phone push permissions.
- Protect repayment tracking. Record every due date and amount before disabling reminders or AutoPay. AutoPay changes require manual payment planning.
- Verify the result. Reopen the settings, look for confirmation, and allow a short processing period. If another sender continues, repeat the workflow for that sender.
Common mistakes and safer fixes
| Mistake | Why it fails | Safer fix |
|---|---|---|
| Deleting the BNPL app | It may not cancel marketing subscriptions, an account, or an outstanding balance. | Change communication preferences first and keep access to payment records. |
| Removing every saved card | Active orders may prevent removal, and AutoPay can stop working. | Manage the payment method only when that is your goal; replace an AutoPay method when required. |
| Turning off all phone notifications | You can miss security alerts or due-date reminders. | Disable promotional categories or create a separate repayment reminder. |
| Assuming one unsubscribe covers all apps | Retailers and providers maintain separate mailing and messaging lists. | Identify each sender and opt out with that sender. |
| Ignoring a continuing message | It may be a required service notice rather than marketing. | Read the message purpose, check settings, and contact official support if it is clearly promotional. |
| Using an old menu path | Labels and settings vary by region, account, and app version. | Follow the current in-account labels and official help documentation. |
Privacy choices beyond notification settings
Marketing preferences answer “How may this company contact me?” Privacy and data-sharing preferences answer “May this company disclose or use information for marketing?” They are related but not identical. For example, Affirm’s Data Sharing control concerns disclosure to merchants for marketing, while a notification toggle concerns messages sent to you. You may need both settings to reduce targeting and direct contact.
Historical comparisons of BNPL privacy controls, such as the 2023 Consumer Reports case study, can help explain why controls differ between apps, but they are not a current settings inventory: Consumer Reports’ 2023 BNPL privacy case study. For present-day steps, rely on the provider’s current account controls and help pages.
What turning off offers does—and does not—do
- It can do: reduce promotional email, marketing texts, push alerts, personalized ads, and retailer sale notifications, depending on which controls you change.
- It cannot automatically do: cancel an order, forgive a balance, stop a scheduled payment, remove a payment method tied to an active order, or guarantee that every checkout will stop displaying BNPL.
- It may not do: suppress account, order, security, legal, fraud, or repayment notices that the provider considers necessary.
The most reliable approach is therefore targeted: identify the sender, classify the message, disable the matching marketing channel, and maintain an independent system for payment due dates.
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