Affirm vs Afterpay

Affirm9.3Visit Afterpay9.2Visit

Higher score Affirm #2 in Buy Now, Pay Later Platforms 9.3/10 Pricing on request Free plan✓ 1 of 1 features Visit Affirm

vs

Afterpay #3 in Buy Now, Pay Later Platforms 9.2/10 Pricing on request Free plan✓ 1 of 1 features Visit Afterpay

• Affirm fits best

  Merchants needing flexible financing

• Afterpay fits best

  Five-market omnichannel retailers

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Side by side

Feature	Affirm 9.3/10 Visit ↗	Afterpay 9.2/10 Visit ↗
At a glance
Editor score	9.3	9.2
Ranking	#2 in Buy Now, Pay Later Platforms	#3 in Buy Now, Pay Later Platforms
Best for	Merchants needing flexible financing	Five-market omnichannel retailers
Pricing model	Paid	Paid
Starting price	Pricing on request	Pricing on request
Free plan	✓	✓
Free trial	—	—
Deployment	Cloud, Mobile, Browser extension	Cloud, Mobile
Platforms	Web, iOS, Android, Chrome extension	Web, iOS, Android
Integrations	15 integrations	4 integrations
Features Affirm 1/1 · Afterpay 1/1
Merchant dashboard	✓	✓
Specs
Checkout channels	Omnichannel	Omnichannel
Repayment terms	4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments	Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months
Merchant platforms	Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion	Square, Magento, Shopify, WooCommerce
Merchant settlement	Not checked yet	Scheduled
Consumer regions	United States, Canada, United Kingdom	Australia, Canada, New Zealand, United Kingdom, United States
Our review
Pros	Pay in 4 plus installment terms extending up to 36 months Omnichannel support spans online checkout, stores, telesales, and APIs Integrates with 15 listed ecommerce platforms and includes a merchant portal	Pay in 4 plus 3-, 6-, 12-, and 24-month terms Online and in-store payments across five supported markets Business Hub includes disputes, integrations, plugins, and reports
Cons	Merchant pricing is customized and requires contacting sales Settlement timing varies by integration and payment method Consumer coverage is limited to the United States, Canada, and United Kingdom	Merchant pricing requires contacting sales Verified integrations focus on four merchant platforms Eligibility and repayment terms vary by region
Our verdict	Affirm is a buy now, pay later platform for merchants and consumers. It supports Pay in 4 interest-free payments every two weeks, as well as installment financing with terms from 6 weeks to 36 months. Merchants can offer payment options… Read the review →	Afterpay is a buy now, pay later platform for merchants and consumers, supporting online checkout financing and in-store payments. Merchants can offer Pay in 4 over six weeks or longer monthly repayment options of 3, 6, 12, or 24 months in… Read the review →

Strengths and trade-offs

• Affirm — where it wins

  • Pay in 4 plus installment terms extending up to 36 months
  • Omnichannel support spans online checkout, stores, telesales, and APIs
  • Integrates with 15 listed ecommerce platforms and includes a merchant portal

  Where it doesn't

  • Merchant pricing is customized and requires contacting sales
  • Settlement timing varies by integration and payment method
  • Consumer coverage is limited to the United States, Canada, and United Kingdom

• Afterpay — where it wins

  • Pay in 4 plus 3-, 6-, 12-, and 24-month terms
  • Online and in-store payments across five supported markets
  • Business Hub includes disputes, integrations, plugins, and reports

  Where it doesn't

  • Merchant pricing requires contacting sales
  • Verified integrations focus on four merchant platforms
  • Eligibility and repayment terms vary by region

• Affirm9.3/10 · Pricing on request

  A flexible BNPL option for merchants needing online, in-store, and longer-term financing.

  Visit AffirmFull verdict →
• Afterpay9.2/10 · Pricing on request

  An omnichannel BNPL platform with flexible repayment terms and merchant reporting.

  Visit AfterpayFull verdict →