# Afterpay vs PayPal Payments Comparison
---
## AI Generated Summary
- **G2 reviewers report** that PayPal Payments excels in overall user satisfaction, boasting a significantly higher G2 Score compared to Afterpay. Users appreciate its ease of use for collecting payments and transferring money efficiently, highlighting features like the auto bank transfer that streamline transactions.
- **Users say** that PayPal Payments offers a more robust implementation experience, with many recent reviewers noting how simple and quick the setup process is. This contrasts with Afterpay, which, while easy to use, has fewer recent reviews indicating its setup experience.
- **Reviewers mention** that PayPal Payments provides a wider range of features that cater to small businesses, such as invoicing and payment tracking, which are highly rated. Users find these tools essential for managing their finances effectively, while Afterpay is more focused on consumer installment payments.
- **According to verified reviews** , PayPal Payments shines in its integration capabilities, with users praising its compatibility with various local payment gateways. This makes it a versatile choice for businesses looking to expand their payment options, whereas Afterpay is primarily recognized for its partnerships with specific retailers.
- **Users appreciate** the quality of support offered by PayPal Payments, which is rated slightly higher than Afterpay. Reviewers have noted that the support team is responsive and helpful, enhancing the overall user experience, while Afterpay's support, although decent, does not receive the same level of praise.
- **Reviewers highlight** that Afterpay provides a unique advantage for consumers with its installment payment plans, making it easier to manage purchases from various retailers. Users enjoy the predictability of payments, but this consumer-focused approach may not meet the broader needs of businesses compared to the comprehensive features of PayPal Payments.



| | Afterpay | PayPal Payments | 
|---|---|---|
| **Star Rating** | 4.1 out of 5 | 4.4 out of 5 | 
| **Total Reviews** | 42 | 2,743 | 
| **Largest Market Segment** | Small-Business (86.8% of reviews) | Small-Business (64.8% of reviews) | 
| **Entry Level Price** | No pricing available | $0 per month | 

---
## Top Pros & Cons

### Afterpay

Pros:
- Convenience (2 reviews)
- Acceptance (1 reviews)

Cons:
- High Fees (1 reviews)
- Late Fees (1 reviews)

### PayPal Payments

Pros:
- Ease of Use (357 reviews)
- Easy Payments (252 reviews)

Cons:
- High Fees (177 reviews)
- Expensive (157 reviews)

---
## Ratings Comparison
| Rating | Afterpay | PayPal Payments | 
|---|---|---|
  | **Meets Requirements** | 8.6 (23 reviews) | 9.0 (2229 reviews) | 
  | **Ease of Use** | 8.7 (23 reviews) | 9.1 (2260 reviews) | 
  | **Ease of Setup** | 9.7 (6 reviews) | 8.9 (720 reviews) | 
  | **Ease of Admin** | Not enough data | 8.4 (330 reviews) | 
  | **Quality of Support** | 8.2 (21 reviews) | 8.3 (2105 reviews) | 
  | **Has the product been a good partner in doing business?** | Not enough data | 8.1 (327 reviews) | 
  | **Product Direction (% positive)** | 7.9 (22 reviews) | 8.3 (2198 reviews) | 

---
## Pricing

### Afterpay

#### 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

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **Afterpay** | N/A | N/A |
| **PayPal Payments** | 8.7/10 | 2089 |

#### Payment Options

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Not enough data | Feature Not Available | 
| **Recurring Billing** | Not enough data | Feature Not Available | 
| **Instant Payment** | Not enough data | 9.0 (1616 reviews) | 
| **Accepted Credit Cards and Debit Cards** | Not enough data | 9.2 (1631 reviews) | 
| **ACH Payments and eCheck Processing** | Not enough data | 8.4 (1178 reviews) | 
| **Split Payments** | Not enough data | 8.4 (1110 reviews) | 
| **Real-Time Payments** | Not enough data | Feature Not Available | 
| **Multi-Currency** | Not enough data | 9.0 (610 reviews) | 
| **Online payment portal** | Not enough data | 9.1 (628 reviews) | 

#### Administration

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Reporting/Dashboards** | Not enough data | Feature Not Available | 
| **User, Role, and Access Management** | Not enough data | Feature Not Available | 
| **Payout Time** | Not enough data | 8.5 (1523 reviews) | 
| **Manual Payment Entry** | Not enough data | 8.6 (1364 reviews) | 
| **Dispute Resolution** | Not enough data | Feature Not Available | 
| **Omnichannel** | Not enough data | 8.6 (494 reviews) | 
| **Levels 1 & 2** | Not enough data | 8.5 (477 reviews) | 
| **Level 3** | Not enough data | 8.4 (463 reviews) | 

#### Security

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **PCI Compliance** | Not enough data | 8.6 (646 reviews) | 
| **Fraud Protection Tools** | Not enough data | Feature Not Available | 
| **Data Tokenization** | Not enough data | 8.7 (1170 reviews) | 
| **Two-Factor Authentication** | Not enough data | 8.8 (1362 reviews) | 
| **POS Verification** | Not enough data | 8.7 (480 reviews) | 

#### Development

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | Not enough data | 8.4 (1290 reviews) | 
| **APIs** | Not enough data | Feature Not Available | 
| **Accounting Software Integration** | Not enough data | 8.5 (1109 reviews) | 
| **E-Commerce Software Integration** | Not enough data | 8.7 (1208 reviews) | 

#### Platform

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Performance and Reliability** | Not enough data | 8.9 (1473 reviews) | 
| **Internationalization - Currency/Language** | Not enough data | 8.9 (1351 reviews) | 
| **Internationalization - Operating Country** | Not enough data | 8.9 (1330 reviews) | 
| **API / Integrations** | Not enough data | 8.7 (1083 reviews) | 
| **PCI Regulation Compliance** | Not enough data | 8.6 (1073 reviews) | 
| **Supplemental Technology** | Not enough data | Feature Not Available | 
| **Accounting integration** | Not enough data | 8.6 (475 reviews) | 
| **E-commerce Integration** | Not enough data | 8.8 (505 reviews) | 

#### Agentic AI - Payment Gateways

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 9.1 (69 reviews) | 
| **Cross-system Integration** | Not enough data | 8.8 (68 reviews) | 
| **Decision Making** | Not enough data | 8.8 (68 reviews) | 

### Installment Payment and Buy Now Pay Later (BNPL)

| Product | Score | Reviews |
|---|---|---|
| **Afterpay** | 7.8/10 | 21 |
| **PayPal Payments** | 9.1/10 | 221 |

#### Administration - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Email Notifications** | 7.9 (19 reviews) | 9.1 (186 reviews) | 
| **Invoicing** | 7.3 (14 reviews) | 9.1 (179 reviews) | 
| **Customer Portal** | 7.7 (17 reviews) | 8.9 (184 reviews) | 
| **Loyalty Management** | 7.1 (14 reviews) | 8.7 (171 reviews) | 

#### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Payment Gateway** | 7.9 (14 reviews) | 9.0 (188 reviews) | 
| **Payment Tracking** | 8.2 (16 reviews) | 8.9 (186 reviews) | 
| **E-commerce Integration** | 8.0 (14 reviews) | 9.0 (172 reviews) | 
| **Payment Scheduling** | 8.1 (18 reviews) | 8.9 (176 reviews) | 

#### Agentic AI  - Installment Payment and Buy Now Pay Later (BNPL) features

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Adaptive Learning** | Not enough data | 9.4 (36 reviews) | 
| **Proactive Assistance** | Not enough data | 9.3 (36 reviews) | 
| **Decision Making** | Not enough data | 9.4 (36 reviews) | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **Afterpay** | N/A | N/A |
| **PayPal Payments** | 8.8/10 | 798 |

#### Payment Processing

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Encryption** | Not enough data | 9.3 (271 reviews) | 
| **Credit Card Processing** | Not enough data | 9.1 (236 reviews) | 
| **Mobile Payments** | Not enough data | 9.3 (248 reviews) | 
| **Digital Wallet Integration** | Not enough data | 9.2 (253 reviews) | 

#### Administration

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Reporting & Analytics** | Not enough data | 9.0 (227 reviews) | 
| **E-commerce Integration** | Not enough data | 9.1 (238 reviews) | 
| **Processing Fees** | Not enough data | 7.4 (287 reviews) | 
| **POS Integration** | Not enough data | 8.9 (209 reviews) | 
| **Omnichannel** | Not enough data | 8.6 (494 reviews) | 
| **Levels 1 & 2** | Not enough data | 8.5 (477 reviews) | 
| **Level 3** | Not enough data | 8.4 (463 reviews) | 

#### Payment Options

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Multi-Currency** | Not enough data | 9.0 (610 reviews) | 
| **Online payment portal** | Not enough data | 9.1 (628 reviews) | 

#### Security

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **POS Verification** | Not enough data | 8.7 (480 reviews) | 

#### Platform

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Accounting integration** | Not enough data | 8.6 (475 reviews) | 
| **E-commerce Integration** | Not enough data | 8.8 (505 reviews) | 

### Payments Orchestration

| Product | Score | Reviews |
|---|---|---|
| **Afterpay** | N/A | N/A |
| **PayPal Payments** | 9.3/10 | 65 |

#### Architecture

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Unified API** | Not enough data | 9.1 (47 reviews) | 
| **POL** | Not enough data | 9.1 (46 reviews) | 
| **Integrations** | Not enough data | 9.5 (49 reviews) | 

#### Processing

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Validation** | Not enough data | 9.4 (49 reviews) | 
| **Automation** | Not enough data | 9.4 (49 reviews) | 
| **Cross Border** | Not enough data | 9.3 (48 reviews) | 
| **Routing** | Not enough data | 9.5 (48 reviews) | 
| **Reconciliation** | Not enough data | 9.5 (48 reviews) | 

#### Risk & Compliance

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Failed payments** | Not enough data | 9.1 (46 reviews) | 
| **Tokenization** | Not enough data | 9.2 (48 reviews) | 
| **Compliance** | Not enough data | 9.4 (48 reviews) | 

#### Analytics

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Consolidation** | Not enough data | 9.3 (48 reviews) | 
| **Optimization** | Not enough data | 9.4 (48 reviews) | 
| **Fraud** | Not enough data | 9.0 (48 reviews) | 

#### Agentic AI - Payments Orchestration

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 9.5 (39 reviews) | 
| **Cross-system Integration** | Not enough data | 9.5 (39 reviews) | 

### SAP Store

| Product | Score | Reviews |
|---|---|---|
| **Afterpay** | N/A | N/A |
| **PayPal Payments** | 9.8/10 | 19 |

#### Agentic AI - SAP Store

| Feature | Afterpay | PayPal Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 9.7 (17 reviews) | 
| **Multi-step Planning** | Not enough data | 9.7 (17 reviews) | 
| **Cross-system Integration** | Not enough data | 9.8 (17 reviews) | 
| **Adaptive Learning** | Not enough data | 9.8 (17 reviews) | 
| **Natural Language Interaction** | Not enough data | 9.9 (17 reviews) | 
| **Proactive Assistance** | Not enough data | 9.8 (17 reviews) | 
| **Decision Making** | Not enough data | 9.9 (17 reviews) | 

---
## 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 | Afterpay | PayPal Payments | 
|---|---|---|
| **Small-Business** | 86.8% | 64.8% | 
| **Mid-Market** | 7.9% | 23.1% | 
| **Enterprise** | 5.3% | 12.1% | 

### By Industry

#### Afterpay

- **Apparel & Fashion:** 18.9%
- **Consumer Goods:** 10.8%
- **Accounting:** 8.1%
- **Retail:** 8.1%
- **Music:** 5.4%
- **Airlines/Aviation:** 2.7%
- **Banking:** 2.7%
- **Computer & Network Security:** 2.7%
- **Construction:** 2.7%
- **Consumer Services:** 2.7%
- **Other:** 35.1%

#### PayPal Payments

- **Information Technology and Services:** 7.0%
- **Computer Software:** 6.7%
- **Marketing and Advertising:** 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:** 2.1%
- **Other:** 58.1%

---
## Alternatives

### Alternatives to Afterpay

- [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 (58 reviews)
- [Affirm](https://www.g2.com/products/affirm/reviews) — 4.3/5 stars (48 reviews)
- [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) — 4.4/5 stars (22 reviews)
- [Splitit](https://www.g2.com/products/splitit/reviews) — 4.1/5 stars (20 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [Four](https://www.g2.com/products/four/reviews) — 4.1/5 stars (10 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)
- [Laybuy](https://www.g2.com/products/laybuy/reviews) — 4.3/5 stars (10 reviews)

### Alternatives to PayPal Payments

- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 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 (450 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) — 3.9/5 stars (39 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)

---
## Top Discussions

### Afterpay

No discussions available for this product.

### 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"

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/afterpay-vs-paypal)