Affirm vs Zip

Affirm9.3Visit Zip9.1Visit

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

Zip #4 in Buy Now, Pay Later Platforms 9.1/10 Free plan Free plan✓ 1 of 1 features Visit Zip

• Affirm fits best

  Merchants needing flexible financing

• Zip fits best

  US, Australian, and NZ merchants

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Side by side

Feature	Affirm 9.3/10 Visit ↗	Zip 9.1/10 Visit ↗
At a glance
Editor score	9.3	9.1
Ranking	#2 in Buy Now, Pay Later Platforms	#4 in Buy Now, Pay Later Platforms
Best for	Merchants needing flexible financing	US, Australian, and NZ merchants
Pricing model	Paid	Free plan + paid
Starting price	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	5 integrations
Features Affirm 1/1 · Zip 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	2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms
Merchant platforms	Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion	BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce
Merchant settlement	Not checked yet	Scheduled
Consumer regions	United States, Canada, United Kingdom	United States; Australia; New Zealand
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	Online, in-store, and in-app checkout support Reporting, refunds, payouts, and dispute management Plugins, SDK access, APIs, and scheduled settlement
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	Transactional pricing starts at 5.9% + 30¢ per transaction Custom solutions are aimed at enterprise businesses Consumer availability centers on the US, Australia, and New Zealand
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 →	Zip provides buy now, pay later payment services for merchants and consumers across online, in-store, and in-app checkout. Its merchant offering suits businesses in the United States, Australia, and New Zealand that need installment… 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

• Zip — where it wins

  • Online, in-store, and in-app checkout support
  • Reporting, refunds, payouts, and dispute management
  • Plugins, SDK access, APIs, and scheduled settlement

  Where it doesn't

  • Transactional pricing starts at 5.9% + 30¢ per transaction
  • Custom solutions are aimed at enterprise businesses
  • Consumer availability centers on the US, Australia, and New Zealand

• Affirm9.3/10 · Pricing on request

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

  Visit AffirmFull verdict →
• Zip9.1/10 · Free plan

  An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.

  Visit ZipFull verdict →