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Head-to-head · Buy Now, Pay Later Platforms

Afterpay vs Splitit

  • Updated Oct 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Afterpay #3 in Buy Now, Pay Later Platforms 9.2/10 Pricing on request Free plan✓ 1 of 1 features Visit Afterpay
Splitit #6 in Buy Now, Pay Later Platforms 8.9/10 Pricing on request ✓ 1 of 1 features Visit Splitit

Afterpay leads on 0 checks, Splitit on 0, and 2 are even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreAfterpay · 9.2/10
  • Free planonly Afterpay

Afterpay scores higher on our rubric for buy now, pay later platforms: 9.2 against 8.9 out of 10; our editors rank them #3 and #6.

On merchant settlement, Afterpay gives you Scheduled where Splitit offers Next day.

Afterpay is the better fit for five-market omnichannel retailers. Splitit is the better fit for white-label card-linked installments.

  • Afterpay fits best

    Five-market omnichannel retailers

  • Splitit fits best

    White-label card-linked installments

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Side by side

Feature Afterpay 9.2/10 Visit ↗ Splitit 8.9/10 Visit ↗
At a glance
Editor score 9.2 8.9
Ranking #3 in Buy Now, Pay Later Platforms #6 in Buy Now, Pay Later Platforms
Best for Five-market omnichannel retailers White-label card-linked installments
Pricing model Paid Paid
Starting price Pricing on request —
Free plan ✓ (best) Not checked yet
Free trial — —
Deployment Cloud, Mobile Cloud
Platforms Web, iOS, Android Web
Integrations 4 integrations 7 integrations
Features Afterpay 1/1 · Splitit 1/1
Merchant dashboard ✓ ✓
Specs
Checkout channels Omnichannel Omnichannel
Repayment terms Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months monthly; biweekly; partial installments; pay after delivery; up to 12 installments
Merchant platforms Square, Magento, Shopify, WooCommerce BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud
Merchant settlement Scheduled Next day
Consumer regions Australia, Canada, New Zealand, United Kingdom, United States 100+ countries
Our review
Pros
  • 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
  • Uses shoppers’ existing credit cards for installment plans
  • Supports online, in-store, phone, and payment-link checkout
  • Offers white-label checkout and next-day merchant settlement
Cons
  • Merchant pricing requires contacting sales
  • Verified integrations focus on four merchant platforms
  • Eligibility and repayment terms vary by region
  • Requires consumers to have a credit card
  • Plan pricing requires a sales contact
  • Core merchant settlement timing may differ
Our verdict

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 →

Splitit is a buy now, pay later platform for merchants that want to offer installments through shoppers’ existing credit cards. It supports monthly and biweekly schedules, partial-payment plans with a larger upfront payment, and…

Read the review →
  1. AfterpayBuy Now, Pay Later Platforms 9.2Pricing on request
  2. SplititBuy Now, Pay Later Platforms 8.9Pricing on request

Strengths and trade-offs

  • 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

  • Splitit — where it wins

    • Uses shoppers’ existing credit cards for installment plans
    • Supports online, in-store, phone, and payment-link checkout
    • Offers white-label checkout and next-day merchant settlement

    Where it doesn't

    • Requires consumers to have a credit card
    • Plan pricing requires a sales contact
    • Core merchant settlement timing may differ
  • Afterpay9.2/10 · Pricing on request

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

    Visit AfterpayFull verdict →
  • Splitit8.9/10 · Pricing on request

    A flexible BNPL platform for branded, card-linked installments across sales channels.

    Visit SplititFull verdict →

More comparisons

All buy now, pay later platforms comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update