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Affirm vs Afterpay Comparison (2026)

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Good recommendations?

Affirm

Afterpay

Overview

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.

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.

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Video & Screenshots

No screenshots yet

Pricing

Starting from

No pricing info

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

No pricing info

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.8

Value for money

Ease of use

Features

Customer support

83%

would recommend this app

4.6

309

247

Value for money

Ease of use

Features

Customer support

82%

would recommend this app

Pros

“What I like with Affirm is the low promotional APR they provide plus the generous purchasing power they give borrowers.”

Leziel C.

Personal User

“I loved using affirm during the time I used them they are actually a vital player in me starting my business approving credit when I needed it to buy and secure inventory for purchase.”

April W.

Administration

“I like that many Affirm merchants offer 0% APR financing through Affirm, making it an affordable way to spread out payments without incurring extra costs.”

Leah L.

Study Coordinator

Pros

“The invoicing and payment reminders help ensure that I never miss a due date. While I have occasionally experienced minor bugs and issues, they have been infrequent and usually resolved quickly.”

Brooks L.

Customer Service Payment Support

“I also appreciate the convenience of tracking payments through the app and the transparency of the payment schedule.”

Brooks L.

Customer Service Payment Support

“It offers excellent value for money by allowing purchases to be split into manageable installments without paying everything upfront.”

Brooks L.

Customer Service Payment Support

Cons

“What I did not like is the length of time to for low APR for purchases.”

Leziel C.

Personal User

“It can be a little intensive in the screening ,and less likely to approve then other similar software”

Eric J.

Welding lead

“The way they separate each purchase and money spent is a bit annoying.”

Lola R.

Creative Editor

Cons

“They threatened to freeze my account due to my request of updating my phone number after sending them my drivers license showing my full name & address, phone bill from carrier which proves number change, Canadian government ID, address and date of birth.”

Laila S.

CEO

“however if you have a bank issue that isn’t your fault and you miss one payment you lose all your pay in 4 credit you build up and the customer service doesn’t care.”

Nicole R.

Owner

“Suck and i am not a person to skip a payment but my bank account was hacked and they do not take into accoton timely payment they punish us”

PAULA E.

Bookkeeper