Instead of Afterpay
Afterpay alternatives
Afterpay gives eligible shoppers a structured way to buy from partner brands, paying in four installments over six weeks with the first payment upfront. Its app tracks payments, supports date changes, shopping lists, recommendations, and deals. Shoppers can use a digital Afterpay Card through Apple Wallet or Google Wallet in stores. Retailers get online, in-store, and in-app checkout, integrations, scheduled settlements, and a merchant dashboard.
- 1
Tabby
Free plan AndroidAPIiPhone+1Shoppers wanting cash services, deals, and price tracking — Tabby adds sending, saving, transfers, cashback, price comparisons, and payment plans up to 12 months.
- 2
ViaBill
Free plan AndroidAPIiPhone+1Shoppers needing longer repayments or a Mastercard — ViaBill offers four monthly payments, plans up to 24 months, and a Mastercard costing 29 DKK per month.
- 3
Atome
Free plan AndroidAPIiPhone+1Shoppers in Singapore and nearby Atome markets — Atome centers on three monthly payments, QR in-store checkout, Atome+ points, and longer plans with possible processing fees.
- 4
Billie
Paid AndroidiPhoneWebBusinesses selling to other businesses — Billie is a B2B product offering invoice payment, trade accounts, installments, and merchant-paid-upfront factoring.
- 5
PayJustNow
Paid AndroidiPhoneWebSouth African shoppers paid on salary dates — PayJustNow offers Pay in 3 tied to salary dates and Pay in 12 by debit order at South African partner stores.
- 6
Scalapay
Free plan AndroidAPIiPhone+1Merchants wanting Pay-by-Link and broad plugins — Scalapay supports three or four interest-free installments, Pay-by-Link, and assumes customers’ missed-payment risk.
- 7
Tamara
Free plan AndroidiPhoneWebSaudi and UAE shoppers needing up to 24 months — Tamara offers schedules from three to 24 months, no late fees, and online, in-store, and QR payments in Saudi Arabia and the UAE.
- 8
Affirm
Free plan AndroidAPIExtension+2 - 9
Klarna
Free plan AndroidAPIiPhone+1 - 10
Kueski Pay
Free plan AndroidAPIiPhone+1 - 11
Aplazo
Free plan AndroidAPIiPhone+1 - 12
Riverty
Free plan AndroidAPIiPhone+1 - 13
Sezzle
Free plan AndroidAPIiPhone+1 - 14
Oney
Free plan AndroidAPIiPhone+1 - 15
Sunbit
Free plan AndroidiPhoneWeb - 16
Zip
Free plan AndroidAPIExtension+2 - 17
Zilch
Free plan AndroidiPhoneWeb - 18
Addi
Paid AndroidiPhoneWeb - 19
FLOA
Paid AndroidiPhoneWeb - 20
Katapult
Paid AndroidAPIiPhone+1 - 21
Mondu
Paid APIWeb - 22
Payflex
Paid AndroidAPIiPhone+1 - 23
Snapmint
Paid APIWeb - 24
Alma
Paid Web5.0 Visit site
Readers may seek another service for a different schedule, market, checkout method, or buyer type. Afterpay serves consumers in Australia, Canada, New Zealand, the United Kingdom, and the United States, with Android, iOS, web, and API access. Compare how each alternative handles installment timing, fees, retailer availability, geographic access, cards, rewards, cash services, and business purchases. Check whether its merchant tools or consumer app match the way you shop or sell.
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