# Top 10 Afterpay Alternatives & Competitors **Average Rating:** 4.2/5 **Total Number of Reviews:** 43 Afterpay is not the only option for Installment Payment and Buy Now Pay Later (BNPL) Software. Explore other competing options and alternatives. Other important factors to consider when researching alternatives to Afterpay include customer service. The best overall Afterpay alternative is Sezzle. Other similar apps like Afterpay are Klarna, Affirm, Zip for Business, and Splitit. Afterpay alternatives can be found in [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) but may also be in [Payment Processing Software](https://www.g2.com/categories/payment-processing). ## Best Paid & Free Alternatives to Afterpay - [Sezzle](https://www.g2.com/products/sezzle/reviews) - [Klarna](https://www.g2.com/products/klarna/reviews) - [Affirm](https://www.g2.com/products/affirm/reviews) - [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) - [Splitit](https://www.g2.com/products/splitit/reviews) - [PayPal Payments](https://www.g2.com/products/paypal/reviews) - [GoCardless](https://www.g2.com/products/gocardless/reviews) - [Four](https://www.g2.com/products/four/reviews) - [ViaBill](https://www.g2.com/products/viabill/reviews) - [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews) ## Top 10 Alternatives to Afterpay Recently Reviewed By G2 Community Browse options below. Based on reviewer data, you can see how Afterpay stacks up to the competition, check reviews from current & previous users in industries like Apparel & Fashion, Retail, and Computer & Network Security, and find the best product for your business. ### 1. [Sezzle](https://www.g2.com/products/sezzle/reviews) By Sezzle **Average Rating:** 4.6/5 **Total Reviews:** 122 Sezzle increases sales and order values by enabling your customers to buy now and pay later with interest-free installment plans. Reviewers say compared to Afterpay, Sezzle is: - Better at support - Better at meeting requirements - More usable Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs Sezzle](https://www.g2.com/compare/afterpay-vs-sezzle) **Compare Sezzle with other alternatives:** - [Sezzle vs Klarna](https://www.g2.com/compare/klarna-vs-sezzle) - [Sezzle vs Affirm](https://www.g2.com/compare/affirm-vs-sezzle) - [Sezzle vs Zip for Business](https://www.g2.com/compare/sezzle-vs-zip-for-business) - [Sezzle vs Splitit](https://www.g2.com/compare/sezzle-vs-splitit) - [Sezzle vs PayPal Payments](https://www.g2.com/compare/paypal-vs-sezzle) - [Sezzle vs GoCardless](https://www.g2.com/compare/gocardless-vs-sezzle) - [Sezzle vs Four](https://www.g2.com/compare/four-vs-sezzle) - [Sezzle vs ViaBill](https://www.g2.com/compare/sezzle-vs-viabill) - [Sezzle vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-sezzle) ### 2. [Klarna](https://www.g2.com/products/klarna/reviews) By Klarna **Average Rating:** 3.2/5 **Total Reviews:** 58 Klarna is a global fintech company that offers innovative payment and marketing solutions designed to enhance the shopping experience for consumers and drive growth for businesses. By providing flexible payment options and performance-driven marketing tools, Klarna helps merchants attract, convert, and retain customers more effectively. Key Features and Functionality: - Flexible Payment Options: Klarna offers a variety of payment methods, including: - Pay in Full: Immediate payment at the time of purchase. - Pay in 30 Days: Allows customers to receive products and pay up to 30 days later without interest or late fees when paid on time. - Pay in 3 or 4 Installments: Enables shoppers to split purchases into smaller, interest-free payments. - Financing: Provides longer-term payment plans for larger purchases, offering manageable monthly payments. - Marketing Solutions: Klarna's full-funnel marketing suite allows businesses to run targeted campaigns across various channels, including search, programmatic ads, affiliate placements, cashback offers, and personalized in-app content, reaching over 24 million active shoppers. - Seamless Integration: Klarna integrates with major e-commerce platforms such as Shopify, Magento, WooCommerce, and BigCommerce, as well as payment partners like Stripe and Adyen, facilitating easy adoption for merchants. Primary Value and Solutions for Users: For consumers, Klarna provides a flexible and convenient shopping experience by offering multiple payment options that cater to different financial needs, thereby enhancing purchasing power and satisfaction. For merchants, Klarna drives business growth by increasing average order values, improving conversion rates, and fostering customer loyalty through its comprehensive payment and marketing solutions. Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs Klarna](https://www.g2.com/compare/afterpay-vs-klarna) **Compare Klarna with other alternatives:** - [Klarna vs Sezzle](https://www.g2.com/compare/klarna-vs-sezzle) - [Klarna vs Affirm](https://www.g2.com/compare/affirm-vs-klarna) - [Klarna vs Zip for Business](https://www.g2.com/compare/klarna-vs-zip-for-business) - [Klarna vs Splitit](https://www.g2.com/compare/klarna-vs-splitit) - [Klarna vs PayPal Payments](https://www.g2.com/compare/klarna-vs-paypal) - [Klarna vs GoCardless](https://www.g2.com/compare/gocardless-vs-klarna) - [Klarna vs Four](https://www.g2.com/compare/four-vs-klarna) - [Klarna vs ViaBill](https://www.g2.com/compare/klarna-vs-viabill) - [Klarna vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-klarna) ### 3. [Affirm](https://www.g2.com/products/affirm/reviews) By Affirm **Average Rating:** 4.3/5 **Total Reviews:** 48 Affirm helps merchants of all sizes drive growth and better serve their customers. We’ve proven that we can increase sales and introduce new consumers to our merchant partners. That’s why our partners include household-name brands across home and lifestyle, fashion, beauty, travel, fitness, auto service and parts, and more. This network is further bolstered by the Affirm app, which gives consumers a convenient way to use Affirm as an omnichannel payment method, while providing a marketplace for merchants to reach consumers. Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs Affirm](https://www.g2.com/compare/affirm-vs-afterpay) **Compare Affirm with other alternatives:** - [Affirm vs Sezzle](https://www.g2.com/compare/affirm-vs-sezzle) - [Affirm vs Klarna](https://www.g2.com/compare/affirm-vs-klarna) - [Affirm vs Zip for Business](https://www.g2.com/compare/affirm-vs-zip-for-business) - [Affirm vs Splitit](https://www.g2.com/compare/affirm-vs-splitit) - [Affirm vs PayPal Payments](https://www.g2.com/compare/affirm-vs-paypal) - [Affirm vs GoCardless](https://www.g2.com/compare/affirm-vs-gocardless) - [Affirm vs Four](https://www.g2.com/compare/affirm-vs-four) - [Affirm vs ViaBill](https://www.g2.com/compare/affirm-vs-viabill) - [Affirm vs FuturePay](https://www.g2.com/compare/affirm-vs-futurepay-inc-futurepay) ### 4. [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) By Zip Co Limited **Average Rating:** 4.4/5 **Total Reviews:** 22 With Zip, you can shop at your favorite stores and pay over four installments. Reviewers say compared to Afterpay, Zip for Business is: - Better at support - Better at meeting requirements - More usable Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs Zip for Business](https://www.g2.com/compare/afterpay-vs-zip-for-business) **Compare Zip for Business with other alternatives:** - [Zip for Business vs Sezzle](https://www.g2.com/compare/sezzle-vs-zip-for-business) - [Zip for Business vs Klarna](https://www.g2.com/compare/klarna-vs-zip-for-business) - [Zip for Business vs Affirm](https://www.g2.com/compare/affirm-vs-zip-for-business) - [Zip for Business vs Splitit](https://www.g2.com/compare/splitit-vs-zip-for-business) - [Zip for Business vs PayPal Payments](https://www.g2.com/compare/paypal-vs-zip-for-business) - [Zip for Business vs GoCardless](https://www.g2.com/compare/gocardless-vs-zip-for-business) - [Zip for Business vs Four](https://www.g2.com/compare/four-vs-zip-for-business) - [Zip for Business vs ViaBill](https://www.g2.com/compare/viabill-vs-zip-for-business) - [Zip for Business vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-zip-for-business) ### 5. [Splitit](https://www.g2.com/products/splitit/reviews) By Splitit **Average Rating:** 4.1/5 **Total Reviews:** 20 Splitit enables merchants from around the globe to offer their customers interest-free monthly payment plans using their existing Visa and MasterCard credit and debit cards. Reviewers say compared to Afterpay, Splitit is: - Better at support Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs Splitit](https://www.g2.com/compare/afterpay-vs-splitit) **Compare Splitit with other alternatives:** - [Splitit vs Sezzle](https://www.g2.com/compare/sezzle-vs-splitit) - [Splitit vs Klarna](https://www.g2.com/compare/klarna-vs-splitit) - [Splitit vs Affirm](https://www.g2.com/compare/affirm-vs-splitit) - [Splitit vs Zip for Business](https://www.g2.com/compare/splitit-vs-zip-for-business) - [Splitit vs PayPal Payments](https://www.g2.com/compare/paypal-vs-splitit) - [Splitit vs GoCardless](https://www.g2.com/compare/gocardless-vs-splitit) - [Splitit vs Four](https://www.g2.com/compare/four-vs-splitit) - [Splitit vs ViaBill](https://www.g2.com/compare/splitit-vs-viabill) - [Splitit vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-splitit) ### 6. [PayPal Payments](https://www.g2.com/products/paypal/reviews) By PayPal **Average Rating:** 4.4/5 **Total Reviews:** 2,744 PayPal Payments is a comprehensive payment processing solution designed to empower businesses of all sizes to accept payments seamlessly from customers worldwide. By integrating PayPal Payments, merchants can offer a variety of payment options, enhancing the checkout experience and potentially increasing conversion rates. Key Features and Functionality: - Global Payment Acceptance: Supports transactions in over 200 markets and 140 currencies, enabling businesses to cater to a diverse customer base. - Multiple Payment Methods: Allows customers to pay using credit and debit cards, PayPal balances, and other local payment methods, providing flexibility and convenience. - Seamless Integration: Compatible with major eCommerce platforms, facilitating easy integration into existing online stores. - Advanced Security Measures: Incorporates robust fraud protection tools and compliance features to safeguard both merchants and customers. - Financial Services: Offers access to business loans and working capital, assisting merchants in managing and expanding their operations. Primary Value and Solutions Provided: PayPal Payments addresses the critical need for businesses to offer secure, efficient, and versatile payment options to their customers. By leveraging PayPal's extensive network and trusted reputation, merchants can enhance customer trust, streamline payment processes, and expand their reach to international markets. The platform's comprehensive suite of tools not only facilitates payment acceptance but also supports business growth through financial services and operational insights. Reviewers say compared to Afterpay, PayPal Payments is: - Better at meeting requirements - More usable - Better at support Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs PayPal Payments](https://www.g2.com/compare/afterpay-vs-paypal) **Compare PayPal Payments with other alternatives:** - [PayPal Payments vs Sezzle](https://www.g2.com/compare/paypal-vs-sezzle) - [PayPal Payments vs Klarna](https://www.g2.com/compare/klarna-vs-paypal) - [PayPal Payments vs Affirm](https://www.g2.com/compare/affirm-vs-paypal) - [PayPal Payments vs Zip for Business](https://www.g2.com/compare/paypal-vs-zip-for-business) - [PayPal Payments vs Splitit](https://www.g2.com/compare/paypal-vs-splitit) - [PayPal Payments vs GoCardless](https://www.g2.com/compare/gocardless-vs-paypal) - [PayPal Payments vs Four](https://www.g2.com/compare/four-vs-paypal) - [PayPal Payments vs ViaBill](https://www.g2.com/compare/paypal-vs-viabill) - [PayPal Payments vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-paypal) ### 7. [GoCardless](https://www.g2.com/products/gocardless/reviews) By GoCardless **Average Rating:** 4.6/5 **Total Reviews:** 321 Collect instant, one-off payments. Or automated, recurring payments. Without the chasing, stress, or expensive fees. Reviewers say compared to Afterpay, GoCardless is: - Better at meeting requirements - More usable - Better at support Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs GoCardless](https://www.g2.com/compare/afterpay-vs-gocardless) **Compare GoCardless with other alternatives:** - [GoCardless vs Sezzle](https://www.g2.com/compare/gocardless-vs-sezzle) - [GoCardless vs Klarna](https://www.g2.com/compare/gocardless-vs-klarna) - [GoCardless vs Affirm](https://www.g2.com/compare/affirm-vs-gocardless) - [GoCardless vs Zip for Business](https://www.g2.com/compare/gocardless-vs-zip-for-business) - [GoCardless vs Splitit](https://www.g2.com/compare/gocardless-vs-splitit) - [GoCardless vs PayPal Payments](https://www.g2.com/compare/gocardless-vs-paypal) - [GoCardless vs Four](https://www.g2.com/compare/four-vs-gocardless) - [GoCardless vs ViaBill](https://www.g2.com/compare/gocardless-vs-viabill) - [GoCardless vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-gocardless) ### 8. [Four](https://www.g2.com/products/four/reviews) By Four Technologies **Average Rating:** 4.1/5 **Total Reviews:** 10 Four helps Retailers lower cart abondement and lift LTV by offering a flexible payment option at Checkout. Retailers get paid up-front and customers get to pay over time. Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs Four](https://www.g2.com/compare/afterpay-vs-four) **Compare Four with other alternatives:** - [Four vs Sezzle](https://www.g2.com/compare/four-vs-sezzle) - [Four vs Klarna](https://www.g2.com/compare/four-vs-klarna) - [Four vs Affirm](https://www.g2.com/compare/affirm-vs-four) - [Four vs Zip for Business](https://www.g2.com/compare/four-vs-zip-for-business) - [Four vs Splitit](https://www.g2.com/compare/four-vs-splitit) - [Four vs PayPal Payments](https://www.g2.com/compare/four-vs-paypal) - [Four vs GoCardless](https://www.g2.com/compare/four-vs-gocardless) - [Four vs ViaBill](https://www.g2.com/compare/four-vs-viabill) - [Four vs FuturePay](https://www.g2.com/compare/four-vs-futurepay-inc-futurepay) ### 9. [ViaBill](https://www.g2.com/products/viabill/reviews) By ViaBill **Average Rating:** 4.2/5 **Total Reviews:** 17 ViaBill seamlessly integrates into your website's checkout flow and enables higher conversion, larger AOV, and revenue. Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs ViaBill](https://www.g2.com/compare/afterpay-vs-viabill) **Compare ViaBill with other alternatives:** - [ViaBill vs Sezzle](https://www.g2.com/compare/sezzle-vs-viabill) - [ViaBill vs Klarna](https://www.g2.com/compare/klarna-vs-viabill) - [ViaBill vs Affirm](https://www.g2.com/compare/affirm-vs-viabill) - [ViaBill vs Zip for Business](https://www.g2.com/compare/viabill-vs-zip-for-business) - [ViaBill vs Splitit](https://www.g2.com/compare/splitit-vs-viabill) - [ViaBill vs PayPal Payments](https://www.g2.com/compare/paypal-vs-viabill) - [ViaBill vs GoCardless](https://www.g2.com/compare/gocardless-vs-viabill) - [ViaBill vs Four](https://www.g2.com/compare/four-vs-viabill) - [ViaBill vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-viabill) ### 10. [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews) By FuturePay **Average Rating:** 4.2/5 **Total Reviews:** 10 FuturePay is a payment option that lets your customers buy now and pay later – without a credit card. Reviewers say compared to Afterpay, FuturePay is: - More expensive - More usable - Better at support Categories in common with Afterpay: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [Afterpay vs FuturePay](https://www.g2.com/compare/afterpay-vs-futurepay-inc-futurepay) **Compare FuturePay with other alternatives:** - [FuturePay vs Sezzle](https://www.g2.com/compare/futurepay-inc-futurepay-vs-sezzle) - [FuturePay vs Klarna](https://www.g2.com/compare/futurepay-inc-futurepay-vs-klarna) - [FuturePay vs Affirm](https://www.g2.com/compare/affirm-vs-futurepay-inc-futurepay) - [FuturePay vs Zip for Business](https://www.g2.com/compare/futurepay-inc-futurepay-vs-zip-for-business) - [FuturePay vs Splitit](https://www.g2.com/compare/futurepay-inc-futurepay-vs-splitit) - [FuturePay vs PayPal Payments](https://www.g2.com/compare/futurepay-inc-futurepay-vs-paypal) - [FuturePay vs GoCardless](https://www.g2.com/compare/futurepay-inc-futurepay-vs-gocardless) - [FuturePay vs Four](https://www.g2.com/compare/four-vs-futurepay-inc-futurepay) - [FuturePay vs ViaBill](https://www.g2.com/compare/futurepay-inc-futurepay-vs-viabill) --- ## Afterpay Alternatives FAQs ### How does Afterpay compare to Sezzle? According to G2 data, [Sezzle](https://www.g2.com/products/sezzle/reviews) outperforms [Afterpay](https://www.g2.com/products/afterpay/reviews) with an average rating of 4.6/5 across 122 reviews compared to Afterpay's 4.1/5 from 42 reviews. Sezzle leads in key user-rated dimensions: it scores 9.2 in Better at Support versus Afterpay's 8.2, 9.2 in More Usable versus 8.7, and 9.1 in Better at Meeting Requirements compared to 8.6 for Afterpay. Additionally, Sezzle holds a 0.6-point advantage in Easier to Admin (9.3 vs 8.7) and a 0.4-point lead in Easier to Set Up (9.3 vs 9.7, with Afterpay slightly higher). User reviews highlight Sezzle's easy integration with platforms like Shopify and a broader acceptance in categories such as groceries, health care, and vacations. Afterpay users appreciate its simple installment plans and fast approval process but note higher merchant fees and limited retailer acceptance. Both platforms offer flexible payment options, but Sezzle's higher usability and support scores reflect a stronger overall user experience. ### What are the best alternatives to Afterpay? According to G2 data, the best alternatives to Afterpay include [Sezzle](https://www.g2.com/products/sezzle/reviews) with a 4.6/5 rating across 122 reviews, [Affirm](https://www.g2.com/products/affirm/reviews) rated 4.3/5 with 48 reviews, [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) at 4.4/5 with 22 reviews, and [Klarna](https://www.g2.com/products/klarna/reviews) with a 3.2/5 rating from 58 reviews. Sezzle leads with the highest rating and review count, making it a prominent alternative. ### Which Installment Payment and Buy Now Pay Later (BNPL) tools do reviewers recommend instead of Afterpay? Reviewers recommend [Sezzle](https://www.g2.com/products/sezzle/reviews) for its ease of integration, flexible interest-free installment plans, and ability to increase sales and order values. [Affirm](https://www.g2.com/products/affirm/reviews) is praised for its transparent and flexible payment terms ranging from 6 weeks to 60 months, no hidden fees, and the ability to increase average cart sizes by up to 85%. [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) is noted for its user-friendly platform, quick integration, and risk absorption by the provider, allowing merchants to get paid upfront. [Klarna](https://www.g2.com/products/klarna/reviews) is valued for its multiple payment options including pay in full, pay in 30 days, and financing for larger purchases, alongside marketing solutions that help merchants attract and retain customers. These alternatives are recommended for their enhanced flexibility, broader payment options, and supportive merchant services compared to Afterpay. ### Why do users choose Sezzle over Afterpay? Users choose [Sezzle](https://www.g2.com/products/sezzle/reviews) over Afterpay primarily due to its superior ease of use and customer support, as evidenced by its 9.2 score in Better at Support and 9.2 in More Usable compared to Afterpay's 8.2 and 8.7, respectively. Sezzle's seamless integration with e-commerce platforms like Shopify and its acceptance across diverse categories such as groceries, health care, and vacations make it a preferred choice for merchants and shoppers alike. Additionally, Sezzle's lower fees and simpler administration, reflected in its 9.3 score for Easier to Admin versus Afterpay's 8.7, enable merchants to offer fairer pricing to customers. Reviewers also cite Sezzle's larger community and easier acceptance process as decisive factors, facilitating broader customer adoption and satisfaction. ## Explore Articles - [Which cloud directory services make it easiest for IT teams to instantly revoke access across all systems when an employee leaves, based on user reviews?](https://www.g2.com/discussions/which-cloud-directory-services-make-it-easiest-for-it-teams-to-instantly-revoke-access-across-all-systems-when-an-employee-leaves-based-on-user-reviews) - [Top-rated feedback analytics tools for customer experience teams](https://www.g2.com/discussions/what-are-the-top-feedback-analytics-tools-for-customer-experience-teams) - [Which no-code platform offers the best scalability for growing businesses?](https://www.g2.com/discussions/which-no-code-platform-offers-the-best-scalability-for-growing-businesses) - [Which on-premise data integration platforms work best for data engineers who need to process multiple source formats including flat files, APIs and legacy databases in one pipeline?](https://www.g2.com/discussions/which-on-premise-data-integration-platforms-work-best-for-data-engineers-who-need-to-process-multiple-source-formats-including-flat-files-apis-and-legacy-databases-in-one-pipeline) - [What's a highly rated CPaaS tool for software development](https://www.g2.com/discussions/what-s-a-highly-rated-cpaas-tool-for-software-development) - [Greenhouse vs Lever vs Workable: which ATS is actually better for a mid-market company hiring across multiple departments?](https://www.g2.com/discussions/what-s-the-best-ats-for-recruiters-managing-hundreds-of-applications-per-role-without-losing-track-of-candidates) ## Spotlight Categories - [Social Media Listening Tools](https://www.g2.com/categories/social-media-listening-tools) - [Password Managers Software](https://www.g2.com/categories/password-managers) - [Loyalty Management Software](https://www.g2.com/categories/loyalty-management)