# Affirm, PayPal Payments vs Splitit Comparison | | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Star Rating** | 4.3 out of 5 | 4.4 out of 5 | 4.1 out of 5 | | **Total Reviews** | 48 | 2,739 | 20 | | **Largest Market Segment** | Small-Business (83.3% of reviews) | Small-Business (64.8% of reviews) | Small-Business (72.2% of reviews) | | **Entry Level Price** | No pricing available | $0 per month | No pricing available | --- ## Top Pros & Cons ### Affirm Pros: - Affordable (2 reviews) - Ease of Use (2 reviews) Cons: - Credit Score (1 reviews) - High Fees (1 reviews) ### PayPal Payments Pros: - Ease of Use (474 reviews) - Easy Payments (326 reviews) Cons: - High Fees (234 reviews) - Expensive (196 reviews) ### Splitit Cons: - Fraudulent Activities (1 reviews) - Late Fees (1 reviews) --- ## Ratings Comparison | Rating | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Meets Requirements** | 8.3 (20 reviews) | 9.0 (2228 reviews) | 8.1 (13 reviews) | | **Ease of Use** | 8.5 (21 reviews) | 9.1 (2259 reviews) | 8.1 (13 reviews) | | **Ease of Setup** | 7.7 (11 reviews) | 8.9 (719 reviews) | 8.8 (11 reviews) | | **Ease of Admin** | 7.8 (9 reviews) | 8.4 (330 reviews) | 8.7 (10 reviews) | | **Quality of Support** | 7.6 (19 reviews) | 8.3 (2104 reviews) | 8.2 (13 reviews) | | **Has the product been a good partner in doing business?** | 7.4 (9 reviews) | 8.1 (327 reviews) | 9.5 (10 reviews) | | **Product Direction (% positive)** | 6.3 (19 reviews) | 8.3 (2197 reviews) | 7.3 (13 reviews) | --- ## Pricing ### Affirm #### Entry-Level Pricing No pricing available #### Free Trial No information available ### PayPal Payments #### Entry-Level Pricing Plan: On Website - Basic Price: $0 per month Key Features: - Accept credit cards and PayPal on your site - Swipe cards in your store and on the go - Create and email invoices for fast payment [Browse all 3 editions](https://www.g2.com/products/paypal/pricing) #### Free Trial No ### Splitit #### Entry-Level Pricing No pricing available #### Free Trial No information available --- ## Features Comparison By Category ### Payment Gateways | Product | Score | Reviews | |---|---|---| | **Affirm** | N/A | N/A | | **PayPal Payments** | 8.7/10 | 2085 | | **Splitit** | N/A | N/A | #### Payment Options | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Coupons, Discounts, Promotions, and Gift Cards** | Not enough data | Feature Not Available | Not enough data | | **Recurring Billing** | Not enough data | Feature Not Available | Not enough data | | **Instant Payment** | Not enough data | 9.0 (1615 reviews) | Not enough data | | **Accepted Credit Cards and Debit Cards** | Not enough data | 9.2 (1629 reviews) | Not enough data | | **ACH Payments and eCheck Processing** | Not enough data | 8.4 (1178 reviews) | Not enough data | | **Split Payments** | Not enough data | 8.4 (1110 reviews) | Not enough data | | **Real-Time Payments** | Not enough data | Feature Not Available | Not enough data | | **Multi-Currency** | Not enough data | 9.0 (609 reviews) | Not enough data | | **Online payment portal** | Not enough data | 9.1 (627 reviews) | Not enough data | #### Administration | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Reporting/Dashboards** | Not enough data | Feature Not Available | Not enough data | | **User, Role, and Access Management** | Not enough data | Feature Not Available | Not enough data | | **Payout Time** | Not enough data | 8.5 (1523 reviews) | Not enough data | | **Manual Payment Entry** | Not enough data | 8.6 (1365 reviews) | Not enough data | | **Dispute Resolution** | Not enough data | Feature Not Available | Not enough data | | **Omnichannel** | Not enough data | 8.6 (496 reviews) | Not enough data | | **Levels 1 & 2** | Not enough data | 8.5 (479 reviews) | Not enough data | | **Level 3** | Not enough data | 8.4 (466 reviews) | Not enough data | #### Security | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **PCI Compliance** | Not enough data | 8.6 (648 reviews) | Not enough data | | **Fraud Protection Tools** | Not enough data | Feature Not Available | Not enough data | | **Data Tokenization** | Not enough data | 8.7 (1171 reviews) | Not enough data | | **Two-Factor Authentication** | Not enough data | 8.8 (1361 reviews) | Not enough data | | **POS Verification** | Not enough data | 8.7 (483 reviews) | Not enough data | #### Development | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Customization (Fields, Objects, and Layouts)** | Not enough data | 8.4 (1291 reviews) | Not enough data | | **APIs** | Not enough data | Feature Not Available | Not enough data | | **Accounting Software Integration** | Not enough data | 8.5 (1110 reviews) | Not enough data | | **E-Commerce Software Integration** | Not enough data | 8.7 (1209 reviews) | Not enough data | #### Platform | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Performance and Reliability** | Not enough data | 8.9 (1473 reviews) | Not enough data | | **Internationalization - Currency/Language** | Not enough data | 8.9 (1351 reviews) | Not enough data | | **Internationalization - Operating Country** | Not enough data | 8.9 (1329 reviews) | Not enough data | | **API / Integrations** | Not enough data | 8.7 (1084 reviews) | Not enough data | | **PCI Regulation Compliance** | Not enough data | 8.6 (1075 reviews) | Not enough data | | **Supplemental Technology** | Not enough data | Feature Not Available | Not enough data | | **Accounting integration** | Not enough data | 8.6 (477 reviews) | Not enough data | | **E-commerce Integration** | Not enough data | 8.8 (506 reviews) | Not enough data | #### Agentic AI - Payment Gateways | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Autonomous Task Execution** | Not enough data | 9.1 (71 reviews) | Not enough data | | **Cross-system Integration** | Not enough data | 8.8 (69 reviews) | Not enough data | | **Decision Making** | Not enough data | 8.8 (70 reviews) | Not enough data | ### Installment Payment and Buy Now Pay Later (BNPL) | Product | Score | Reviews | |---|---|---| | **Affirm** | 8.7/10 | 19 | | **PayPal Payments** | 9.1/10 | 221 | | **Splitit** | 7.5/10 | 13 | #### Administration - Installment Payment and Buy Now Pay Later (BNPL) | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Email Notifications** | 8.3 (12 reviews) | 9.1 (188 reviews) | 8.5 (11 reviews) | | **Invoicing** | Feature Not Available | 9.1 (181 reviews) | 7.6 (11 reviews) | | **Customer Portal** | 9.0 (12 reviews) | 8.9 (186 reviews) | 7.1 (11 reviews) | | **Loyalty Management** | 8.3 (10 reviews) | 8.7 (173 reviews) | 6.9 (8 reviews) | #### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL) | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Payment Gateway** | 8.8 (14 reviews) | 9.0 (190 reviews) | 7.3 (11 reviews) | | **Payment Tracking** | 9.1 (15 reviews) | 8.9 (188 reviews) | 7.4 (11 reviews) | | **E-commerce Integration** | 8.3 (16 reviews) | 9.0 (174 reviews) | 7.3 (11 reviews) | | **Payment Scheduling** | 9.1 (16 reviews) | 8.9 (178 reviews) | 7.7 (10 reviews) | #### Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Adaptive Learning** | Not enough data | 9.5 (38 reviews) | Not enough data | | **Proactive Assistance** | Not enough data | 9.3 (38 reviews) | Not enough data | | **Decision Making** | Not enough data | 9.4 (38 reviews) | Not enough data | ### Payment Processing | Product | Score | Reviews | |---|---|---| | **Affirm** | N/A | N/A | | **PayPal Payments** | 8.8/10 | 794 | | **Splitit** | N/A | N/A | #### Payment Processing | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Encryption** | Not enough data | 9.3 (271 reviews) | Not enough data | | **Credit Card Processing** | Not enough data | 9.1 (239 reviews) | Not enough data | | **Mobile Payments** | Not enough data | 9.3 (248 reviews) | Not enough data | | **Digital Wallet Integration** | Not enough data | 9.2 (255 reviews) | Not enough data | #### Administration | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Reporting & Analytics** | Not enough data | 9.0 (229 reviews) | Not enough data | | **E-commerce Integration** | Not enough data | 9.1 (239 reviews) | Not enough data | | **Processing Fees** | Not enough data | 7.4 (288 reviews) | Not enough data | | **POS Integration** | Not enough data | 8.9 (212 reviews) | Not enough data | | **Omnichannel** | Not enough data | 8.6 (496 reviews) | Not enough data | | **Levels 1 & 2** | Not enough data | 8.5 (479 reviews) | Not enough data | | **Level 3** | Not enough data | 8.4 (466 reviews) | Not enough data | #### Payment Options | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Multi-Currency** | Not enough data | 9.0 (609 reviews) | Not enough data | | **Online payment portal** | Not enough data | 9.1 (627 reviews) | Not enough data | #### Security | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **POS Verification** | Not enough data | 8.7 (483 reviews) | Not enough data | #### Platform | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Accounting integration** | Not enough data | 8.6 (477 reviews) | Not enough data | | **E-commerce Integration** | Not enough data | 8.8 (506 reviews) | Not enough data | ### Payments Orchestration | Product | Score | Reviews | |---|---|---| | **Affirm** | N/A | N/A | | **PayPal Payments** | 9.3/10 | 65 | | **Splitit** | N/A | N/A | #### Architecture | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Unified API** | Not enough data | 9.2 (49 reviews) | Not enough data | | **POL** | Not enough data | 9.1 (48 reviews) | Not enough data | | **Integrations** | Not enough data | 9.5 (51 reviews) | Not enough data | #### Processing | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Validation** | Not enough data | 9.4 (51 reviews) | Not enough data | | **Automation** | Not enough data | 9.4 (51 reviews) | Not enough data | | **Cross Border** | Not enough data | 9.3 (50 reviews) | Not enough data | | **Routing** | Not enough data | 9.5 (50 reviews) | Not enough data | | **Reconciliation** | Not enough data | 9.5 (50 reviews) | Not enough data | #### Risk & Compliance | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Failed payments** | Not enough data | 9.1 (48 reviews) | Not enough data | | **Tokenization** | Not enough data | 9.2 (50 reviews) | Not enough data | | **Compliance** | Not enough data | 9.4 (50 reviews) | Not enough data | #### Analytics | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Consolidation** | Not enough data | 9.3 (50 reviews) | Not enough data | | **Optimization** | Not enough data | 9.4 (50 reviews) | Not enough data | | **Fraud** | Not enough data | 9.0 (50 reviews) | Not enough data | #### Agentic AI - Payments Orchestration | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Autonomous Task Execution** | Not enough data | 9.5 (41 reviews) | Not enough data | | **Cross-system Integration** | Not enough data | 9.6 (41 reviews) | Not enough data | ### SAP Store | Product | Score | Reviews | |---|---|---| | **Affirm** | N/A | N/A | | **PayPal Payments** | 9.8/10 | 19 | | **Splitit** | N/A | N/A | #### Agentic AI - SAP Store | Feature | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Autonomous Task Execution** | Not enough data | 9.7 (18 reviews) | Not enough data | | **Multi-step Planning** | Not enough data | 9.7 (18 reviews) | Not enough data | | **Cross-system Integration** | Not enough data | 9.8 (18 reviews) | Not enough data | | **Adaptive Learning** | Not enough data | 9.8 (18 reviews) | Not enough data | | **Natural Language Interaction** | Not enough data | 9.9 (18 reviews) | Not enough data | | **Proactive Assistance** | Not enough data | 9.8 (18 reviews) | Not enough data | | **Decision Making** | Not enough data | 9.9 (18 reviews) | Not enough data | --- ## Categories **Shared Categories (1):** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Unique to PayPal Payments (4):** [Payments Orchestration Software](https://www.g2.com/categories/payments-orchestration), [SAP Store Software](https://www.g2.com/categories/sap-store), [Payment Processing Software](https://www.g2.com/categories/payment-processing), [Payment Gateways](https://www.g2.com/categories/payment-gateways) --- ## Reviewer Demographics ### By Company Size | Segment | Affirm | PayPal Payments | Splitit | |---|---|---|---| | **Small-Business** | 83.3% | 64.8% | 72.2% | | **Mid-Market** | 14.3% | 23.1% | 27.8% | | **Enterprise** | 2.4% | 12.2% | 0% | ### By Industry #### Affirm - **Retail:** 21.4% - **Health, Wellness and Fitness:** 14.3% - **Consumer Electronics:** 11.9% - **Automotive:** 9.5% - **Consumer Goods:** 4.8% - **Alternative Medicine:** 2.4% - **Apparel & Fashion:** 2.4% - **Construction:** 2.4% - **Consumer Services:** 2.4% - **Electrical/Electronic Manufacturing:** 2.4% - **Other:** 26.2% #### PayPal Payments - **Information Technology and Services:** 6.9% - **Marketing and Advertising:** 6.7% - **Computer Software:** 6.7% - **Retail:** 5.4% - **Internet:** 3.7% - **Accounting:** 2.9% - **Education Management:** 2.7% - **Apparel & Fashion:** 2.3% - **Financial Services:** 2.3% - **Higher Education:** 2.2% - **Other:** 58.1% #### Splitit - **Consumer Goods:** 22.2% - **Luxury Goods & Jewelry:** 16.7% - **Consulting:** 5.6% - **Management Consulting:** 5.6% - **Internet:** 5.6% - **Health, Wellness and Fitness:** 5.6% - **Education Management:** 5.6% - **Consumer Services:** 5.6% - **Construction:** 5.6% - **Computer Software:** 5.6% - **Other:** 16.7% --- ## Alternatives ### Alternatives to Affirm - [Sezzle](https://www.g2.com/products/sezzle/reviews) — 4.6/5 stars (122 reviews) - [Klarna](https://www.g2.com/products/klarna/reviews) — 3.2/5 stars (57 reviews) - [Afterpay](https://www.g2.com/products/afterpay/reviews) — 4.1/5 stars (41 reviews) - [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) — 4.4/5 stars (22 reviews) - [Bread Pay](https://www.g2.com/products/bread-pay/reviews) — 4.0/5 stars (6 reviews) - [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews) - [Sunbit](https://www.g2.com/products/sunbit/reviews) — 4.9/5 stars (139 reviews) - [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews) — 4.2/5 stars (10 reviews) - [ViaBill](https://www.g2.com/products/viabill/reviews) — 4.2/5 stars (17 reviews) - [Credit Key](https://www.g2.com/products/credit-key/reviews) — 4.7/5 stars (34 reviews) ### Alternatives to PayPal Payments - [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (366 reviews) - [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews) - [BlueSnap](https://www.g2.com/products/bluesnap/reviews) — 4.1/5 stars (107 reviews) - [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews) - [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews) - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (449 reviews) - [WePay](https://www.g2.com/products/wepay/reviews) — 3.6/5 stars (68 reviews) - [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 3.8/5 stars (36 reviews) - [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews) - [Paytm Business](https://www.g2.com/products/paytm-business/reviews) — 4.5/5 stars (282 reviews) ### Alternatives to Splitit - [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews) - [Sezzle](https://www.g2.com/products/sezzle/reviews) — 4.6/5 stars (122 reviews) - [Klarna](https://www.g2.com/products/klarna/reviews) — 3.2/5 stars (57 reviews) - [Afterpay](https://www.g2.com/products/afterpay/reviews) — 4.1/5 stars (41 reviews) - [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) — 4.4/5 stars (22 reviews) - [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews) — 4.2/5 stars (10 reviews) - [Partial.ly](https://www.g2.com/products/partial-ly/reviews) — 4.4/5 stars (15 reviews) - [ViaBill](https://www.g2.com/products/viabill/reviews) — 4.2/5 stars (17 reviews) - [Laybuy](https://www.g2.com/products/laybuy/reviews) — 4.3/5 stars (10 reviews) - [Four](https://www.g2.com/products/four/reviews) — 4.1/5 stars (10 reviews) --- ## Top Discussions ### Affirm - Title: [What is special about Affirm?](https://www.g2.com/discussions/what-is-special-about-affirm) — 1 comment > **Top comment:** "The flexibility of integration and wide range of financing options we can offer to our customers as a merchant " ### PayPal Payments - Title: [What is PayPal Credit used for?](https://www.g2.com/discussions/what-is-paypal-credit-used-for) — 8 comments, 5 upvotes > **Top comment:** "Instead of using your main bank card online, you can use the PayPal credit card, keeping your bank details more private." - Title: [Allow visa gift card](https://www.g2.com/discussions/allow-visa-gift-card) — 8 comments, 3 upvotes > **Top comment:** "I think there is a reason why not only PayPal but other services also doesn't allow Visa gift card because I also have tried with many other services." - Title: [PayPal Is NOt Returning USD 40,000 they kept for 180 Days After account suspension](https://www.g2.com/discussions/paypal-is-not-returning-usd-40-000-they-kept-for-180-days-after-account-suspension) — 7 comments, 1 upvote > **Top comment:** "I have one similar story - https://www.reddit.com/r/paypal/comments/jeuc6o/victory_funds_returned_after_a_long_battle_with/" - Title: [how to add money to paypal](https://www.g2.com/discussions/how-to-add-money-to-paypal) — 5 comments, 1 upvote > **Top comment:** "To add using cash You can go to Walmart Walgreens 711 Dollar General & many other stores and simply tell the cashier you'd like to reload your PayPal card ..." - Title: [Approved paypal credit](https://www.g2.com/discussions/45405-approved-paypal-credit) — 4 comments, 1 upvote > **Top comment:** "lal16877@gmail.com,reciev paypal" ### Splitit No discussions available for this product. --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/affirm-vs-paypal-vs-splitit)