Best Affirm Alternatives in 2026
The top Affirm alternatives are Klarna, Afterpay and Zip: 15 buy now, pay later platforms our editors would look at instead of Affirm, in our ranking order.
Affirm: A flexible BNPL option for merchants needing online, in-store, and longer-term financing. Where it falls short: merchant pricing is customized and requires contacting sales.
Switching from Affirm? For most buy now, pay later platforms buyers the best Affirm alternative is Klarna, built for global omnichannel merchants. Afterpay has a free plan.
Why People Look for an Affirm Alternative
- 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
Quick Picks by What You Need
- Best overallKlarna9.4
Global omnichannel merchants
Visit Klarna - Best free optionAfterpay9.2
Has a free plan
Visit Afterpay
All 15 Affirm Alternatives, Ranked
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
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Best forGlobal omnichannel merchants
- Better than Affirm:
- Editor score 9.4 vs 9.3
A broad omnichannel BNPL option with contract-based pricing and country-dependent availability.
9.4/10★★★★★Visit Klarna -
Best forFive-market omnichannel retailers
An omnichannel BNPL platform with flexible repayment terms and merchant reporting.
9.2/10★★★★★Visit Afterpay -
Best forUS, Australian, and NZ merchants
An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.
9.1/10★★★★★Visit Zip -
Best forEstablished European merchants
A European BNPL provider for merchants needing omnichannel financing options.
9.0/10★★★★☆Visit Oney -
Best forWhite-label card-linked installments
A flexible BNPL platform for branded, card-linked installments across sales channels.
8.9/10★★★★☆Visit Splitit -
Best forGulf-region omnichannel merchants
A broad omnichannel BNPL platform for merchants selling across Saudi Arabia, the UAE and Kuwait.
8.8/10★★★★☆Visit Tabby -
Best forUS and Canadian ecommerce merchants
A flexible BNPL option for US and Canadian merchants with omnichannel checkout.
8.7/10★★★★☆Visit Sezzle -
Best forSaudi and Gulf merchants
A Gulf-focused BNPL platform with omnichannel checkout, integrations, and merchant tools.
8.6/10★★★★☆Visit Tamara -
Best forNorthern and Central European merchants
A broad European BNPL platform with flexible payment options and sales-led pricing.
8.5/10★★★★☆Visit Riverty -
Best forFrench and Western European merchants
A merchant-focused BNPL platform with omnichannel checkout and scheduled settlement.
8.4/10★★★★☆Visit Alma -
Best forEuropean retailers needing broad plugins
A broad European BNPL platform with plugins, APIs, and omnichannel checkout.
8.3/10★★★★☆Visit Scalapay -
Best forFrench merchants wanting white-label credit
A French-focused BNPL platform for white-label, omnichannel merchant financing.
8.2/10★★★★☆Visit FLOA -
Best forB2B merchants needing invoice financing
A specialized B2B payment option with upfront settlement and credit-risk protection.
8.1/10★★★★☆Visit Billie -
Best forEuropean B2B invoice payments
A European B2B payments platform combining deferred invoices, installments and trade accounts.
8.0/10★★★★☆Visit Mondu -
Best forSingapore and Malaysia merchants
A Singapore- and Malaysia-focused BNPL option with online, QR, and API checkout.
7.9/10★★★★☆Visit Atome
Affirm Alternatives: Common Questions
What is the best alternative to Affirm?
Klarna: #1 in our Buy Now, Pay Later Platforms ranking, with an editor score of 9.4 out of 10. A broad omnichannel BNPL option with contract-based pricing and country-dependent availability.
Is there a free alternative to Affirm?
Yes. Afterpay, Zip, Oney, Tabby and Sezzle have a free plan or a free tier (6 of the 15 alternatives on this page).
Why do people look for Affirm alternatives?
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.
How do I switch from Affirm?
Export your data from Affirm (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel Affirm.
How to Switch from Affirm
- Export your data from Affirm (most tools have an export in their settings).
- Sign up for the alternative; start on its free plan or trial if it has one.
- Import your export and set up the integrations your team relies on.
- Run both side by side for a short while, then cancel Affirm.
Affirm vs Each Alternative
| # | Tool | Free plan | Paid from | Checkout channels | Repayment terms | Merchant platforms | Merchant settlement | Score |
|---|---|---|---|---|---|---|---|---|
| 2 | Affirm | Yes | Omnichannel | 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments | Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion | 9.3 | ||
| 1 | Klarna | Omnichannel | Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available | Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce | Scheduled | 9.4 | ||
| 2 | Afterpay | Yes | Omnichannel | Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months | Square, Magento, Shopify, WooCommerce | Scheduled | 9.2 | |
| 3 | Zip | Yes | Omnichannel | 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms | BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce | Scheduled | 9.1 | |
| 4 | Oney | Yes | Omnichannel | 3, 4, 6, 10, and 12 installments; financing up to 60 months | PrestaShop, Magento 2, Salesforce | 9.0 | ||
| 5 | Splitit | Omnichannel | monthly; biweekly; partial installments; pay after delivery; up to 12 installments | BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud | Next day | 8.9 | ||
| 6 | Tabby | Yes | Omnichannel | 4 interest-free payments; up to 12 monthly payments; longer Saudi Arabia plans up to 12 monthly payments | Shopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce, ExpandCart | Scheduled | 8.8 | |
| 7 | Sezzle | Yes | Omnichannel | Pay in 4: 25% down payment plus three payments every two weeks over six weeks; other options may run from 3 to 48 months | Shopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, Wix | Scheduled | 8.7 | |
| 8 | Tamara | Omnichannel | 3, 4, 6, 9, 12, and 24 months | Shopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, Network International | Scheduled | 8.6 | ||
| 9 | Riverty | Omnichannel | 14 days; 30 days; monthly invoice; 3 equal payments over 60 or 90 days; fixed installments over 3, 6, 12, or 24 months | Shopify; Magento; WooCommerce; Shopware; PrestaShop; Lightspeed; JTL; OXID eSales; Myshop; Divide.o | Scheduled | 8.5 | ||
| 10 | Alma | No | Omnichannel | 2x, 3x, 4x, 10x, 12x, D+15, D+30 | Magento 1, Magento 2, PrestaShop, Shopify, Wizishop, WooCommerce, Salesforce Commerce Cloud, Proximis, WSHOP | Scheduled | 8.4 | |
| 11 | Scalapay | Omnichannel | Pay in 3: first payment at purchase, then after 1 and 2 months; Pay in 4: first payment at purchase, then after 1, 2, and 3 months | BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1, Magento 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX, WooCommerce | Scheduled | 8.3 | ||
| 12 | FLOA | Omnichannel | 3X, 4X, 10X or more | Magento, PrestaShop, WooCommerce, Shopify, Adobe Commerce | 8.2 | |||
| 13 | Billie | Omnichannel | 7 to 120 days; 30 to 120 days for buyer-facing pay-later terms; installments; pay on account | Klarna, Adyen, Stripe, Kustom, Mollie, Shopware, JTL, WooCommerce | Same day | 8.1 | ||
| 14 | Mondu | Omnichannel | 30, 45, 60 or 90 days; installments over 3, 6 or 12 months | Shopify, Shopware 5, Shopware 6, Magento 2, WooCommerce, JTL, Stripe and REST API | Scheduled | 8.0 | ||
| 15 | Atome | Yes | Omnichannel | Pay-in-3: first payment at purchase, remaining payments monthly; Pay-in-6: first payment one day after purchase, remaining payments every 30 days | Easy Store; Magento 1 & 2; OpenCart; Salesforce SFRA; Salesforce Site Genesis; Shopify; Wix; WooCommerce; open API | 7.9 |
Head-to-Head
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update