Side by side
Affirm vs Afterpay
Both stand on buy now, pay later platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidAPIExtension+2
Affirm offers both short-term split payments and monthly installment options, with consumer apps and merchant integration paths. Review the stated APR range, order limits, and repayment terms before choosing a plan.
Visit Affirm
Free plan AndroidAPIiPhone+1
Afterpay offers shoppers installment payments and payment-management features, while retailers can add checkout across several channels. Eligibility, possible late fees and possible finance fees are important considerations.
Visit AfterpayThe facts
| Affirm | Afterpay | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, API, Extension, iPhone, Web | Android, API, iPhone, Web |
| Lowest paid plan | Free or on request | Free or on request |
| Plans published | 3 | 2 |
| Maker | Not published | Not published |
| Website | affirm.com | afterpay.com |
| On buy now, pay later platforms | #1 of 26 | #2 of 26 |
Affirm: what it does well
- Pay in 4 has 0% APR.
- Affirm says it charges no late or hidden fees.
- Consumer access includes Android, iOS, web, and Chrome extension.
- Direct API supports Capture, Void, and Refund calls.
- Separate sandbox and live API environments are available.
What to know first
- Rates can reach 36% APR based on credit.
- Pricing is available on request.
- Consumer access is listed for three countries.
Afterpay: what it does well
- Pay in 4 spreads payments across six weeks.
- App tracks payments and allows date rescheduling.
- Digital Afterpay Card supports Apple Wallet and Google Wallet.
- Retailers can use existing point-of-sale equipment in-store.
- Business Hub combines transactions, settlements and reporting.
What to know first
- Eligibility is required for Pay in 4.
- Late fees may apply.
- Some transactions may have a finance fee.
- U.S. customers must be at least 18 and meet criteria.
Alternatives to Affirm Alternatives to Afterpay The whole list