Affirm vs Afterpay

Shopify

Klarna

TaxCloud

Sezzle

Cloud ERP

Compare Affirm and Afterpay based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Klarna is a payment processing platform designed to help businesses offer a secure checkout experience to customers with several payment methods. Shoppers can use the application to manage purchases, report returns, and communicate with customer service agents.


Calculate, collect, and file your sales tax with ease using TaxCloud. Ensure 100% accuracy across all 13,000+ US jurisdictions. Delegate tax reporting to us and save hours each month. Say goodbye to manual filing and let TaxCloud automate it for you.

BizAutomation Cloud ERP Software offers a suite of integrated business management applications for small to medium-sized businesses. It includes order management, supply chain, inventory control, accounting, CRM, manufacturing, and project management on one platform. Utilizing a Data-Mirror architecture for faster performance via direct T-SQL stored procedures, it removes the need for multiple applications and supports integration with various marketplaces and e-commerce platforms.

Affirm is tailored to merchants looking to increase average order value and repeat purchase rate. Regardless of industry or size, Affirm removes price as a barrier, turning browsers into buyers.

Activity Dashboard

Credit Card Processing

Electronic Payments

Real-Time Data

Reporting & Statistics

Affirm

Web-based

Founder of The Mandated Reporter School

This feature is great because it allows customers to break their monthly payments into smaller increments. This is a win for both my business, and the clients that I service.

Operations Coordinator

I love the features the software has to offer. The ability to use the software anyway and online has great ease of access.

Architecture

Frustrating user experience – The process feels inefficient and adds unnecessary stress to customers.

I have been with them for at least five years. Very easy to use with outstanding customer service.

Agent

It has been very easy to use and the process is super fast. I will definitely recommend to friends and family.

Administration

I have nothing but positive to say here and am thankful they were there for me when I was getting my feet off the ground starting my business.

Fulfillment specialist

Overall I love to use affirm when I am running low on my budget and really need to make a serious purchase. It helps me manage my money and allows me to buy the item I want without breaking the bank.

Affirm is really good and the overall site/app is amazing.

Co Owner

This software is the top player in the space in my opinion. Their interface and experience is top notch, for me personally as a user, and also to my customers.

Technical Recruiter and Marketing Manager

I love that since Affirm came out. They have given people more options on how and where to spend their money.

Business Development Manager

Super convenient and easy to use. Handy when it comes to large purchases.

It's easy to set up and to deal with. Reliable until you need customer service.

Logistics Manager

Affirm can get people into debt. While you are making smaller payments, they tend to overspend making multiple purchases.

They took forever to answer, and we got tired to wait for answers.

Reliability Technician 

The software is easy to navigate. But the actual program itself is amazing.

Admin

Sometimes, I'd have a backend issue with reporting being delayed, but it was infrequent.

Freelancers

Large Enterprises

Mid Size Business

Small Business

Sezzle is a payment processing solution that helps merchants manage options for buying now and paying later via installments. It offers mobile applications for Android and iOS devices, which allows users to handle payments and view specific brands according to requirements.

Zip affords customers the opportunity to make immediate purchases while opting to spread the payment over time using a series of installment payments without interest.

Shopify is a commerce platform that allows anyone to easily sell online, at a retail location, and everywhere in between

Afterpay is an installation payment solution that provides an additional payment option for customers. With Afterpay, businesses can allow customers to pay for any product in installments payments over 6 weeks.

ACH Payment Processing

Data Security

Debit/Credit Card Processing

Mobile Payments

Multiple Payment Options

Online Payments

Partial Payments

Payment Fraud Prevention

Recurring/Subscription Billing

Reporting/Analytics

Self Service Portal

Afterpay

Owner

Afterpay has been a great way for my sales to increase by 60. I love them as a merchant and as a consumer.

Integration was very easy even if you were not good with computers. Very helpful and my customers love the option.

That it’s super easy to use. The customer service from start to finish was great.

Desing/Marketing Manager

There are no analytics tracking, and the dashboard is confusing to navigate.

owner

Afterpay is very easy to use. Customer love it and love how easy it is.

Delivery Driver

The best is this app is so sophisticated and a breeze to navigate.

Trust for our customer, its amazing how customer relate with afterpay and also with the afterpay store directory.

I love when I added this back in 2018 it instantly added to sales within my company. A lot of consumers are dealing with the pandemic and need to place orders on a payment plan, this helps.

I love the easy use and being able to have this option for my customers.

Owner 

Easy to use  and my customers love if they like options to pay.

Director of Ecommerce

We love how afterpay makes quick and easy transactions for our customers.

Soap Maker

So easy to use, as a customer and merchant. Great customer service too.

Internal Advisor

You have the ability to buy a product now and make payments later. That is a very good thing to have, especially during the time's we're all living in, money is a problem, and this makes it easier.

I dislike the 3 business days that you must wait before payout.

The integration process was easy. Customers like the available option.

Head of E-Commerce & Marketing

Customers often get confused on how to check out using Afterpay (via our Shopify powered site).

Small business owner

Ease of use is the only compliment, but they make this easy because they willing To steal your money.

I wouldn’t say that I have anything negative to.

Afterpay screenshot: Afterpay connects merchants with the world's best shoppers. And no application fees mean more businesses sign up with Afterpay than any other payment service.

Afterpay screenshot: Afterpay offers shoppers an all-inclusive application to access their favorite brands, manage their budgets, and pay in 4 with one touch.

Affirm vs Afterpay Comparison (2026)

Affirm

Afterpay

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives