Afterpay vs Zip

Afterpay9.2Visit Zip9.1Visit

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

vs

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

• Afterpay fits best

  Five-market omnichannel retailers

• Zip fits best

  US, Australian, and NZ merchants

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Side by side

Feature	Afterpay 9.2/10 Visit ↗	Zip 9.1/10 Visit ↗
At a glance
Editor score	9.2	9.1
Ranking	#3 in Buy Now, Pay Later Platforms	#4 in Buy Now, Pay Later Platforms
Best for	Five-market omnichannel retailers	US, Australian, and NZ merchants
Pricing model	Paid	Free plan + paid
Starting price	Pricing on request	—
Free plan	✓	✓
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Integrations	4 integrations	5 integrations
Features Afterpay 1/1 · Zip 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	2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms
Merchant platforms	Square, Magento, Shopify, WooCommerce	BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce
Merchant settlement	Scheduled	Scheduled
Consumer regions	Australia, Canada, New Zealand, United Kingdom, United States	United States; Australia; New Zealand
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	Online, in-store, and in-app checkout support Reporting, refunds, payouts, and dispute management Plugins, SDK access, APIs, and scheduled settlement
Cons	Merchant pricing requires contacting sales Verified integrations focus on four merchant platforms Eligibility and repayment terms vary by region	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	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 →	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

• 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

• 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

• Afterpay9.2/10 · Pricing on request

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

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

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

  Visit ZipFull verdict →