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Alternatives To Afterpay – 13 Best Payment Platform Options

Afterpay is a buy now pay later platform for businesses who want to offer more payment options to their customers. Once someone makes a payment with Afterpay, they’ll be able to pay for the rest of the purchase through installments that occur every two weeks. Afterpay splits each purchase’s cost into four equal payments so that your customers don’t have to pay all at once.

Although Afterpay may help you increase your conversion rate and offer more payment solutions, there are things to look out for. Afterpay comes with late payment fees and doesn’t give you the option to choose when you pay for the purchase. Furthermore, there are minimal credit checks and spending limits that may apply. 

That’s why we did the research and found the 13 best alternatives to Afterpay that will help you increase your conversion rate and allow more payment options to customers. Some of these platforms may come with more discount opportunities, money management tools, or the chance to pick the timeline of how your customer will pay. 

Best Alternatives To Afterpay

Whether you’re starting a big business like a catering company, or something smaller such as a dog walking business, a solid payment platform can be crucial. By using one of the payment platforms below, you’ll be able to expand globally, manage your finances in one application, and draw in more customers. Whether you’re looking to transfer money internationally or offer contactless payments in your store, the platforms below are worth looking into. 

1. Paypal

Paypal Website

PayPal is a more widely used alternative to Afterpay that enables businesses and individual users to send and receive payments. This leading payment platform, compared to Afterpay, offers better usage coverage on a broader range of website categories, including Lifestyle, Technology, and more.

Compared to Afterpay, PayPal offers more payment flexibility. However, unlike Afterpay, PayPal requires credit approval to join the platform. 

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2. FuturePay

Future Pay Website

FuturePay is a payment processing platform that lets customers pay later on for items they have just bought. If your customer checks out and chooses to pay later, FuturePay does not require a credit card.

Compared to Afterpay, FuturePay is not as popular as a platform since it is suited primarily for businesses looking to offer more payment options.

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3. Venmo


Venmo is a mobile app and payment processing platform that lets users request, send, and receive payments. Unlike Afterpay, Venmo offers better usability on Amazon, PayPal support, and instant transfers.

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4. TransferWise


TransferWise is a web-based transfer service that supports over 750 currencies. If you want to transfer money internationally, TransferWise is a great payment platform for you. With TransferWise, you can create a multi-currency account and get notifications on your phone when you receive new payments.

While Afterpay focuses on letting users buy now and pay later, TransferWise allows users to transfer money internationally. Because of this, TransferWise is better suited for individuals than large companies. 

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5. Sezzle

Sezzle website

Sezzle is a payment platform that lets customers buy now and pay later by making four interest-free payments over six weeks. If you want to offer more payment solutions to your customers, Sezzle is a great platform to look into. 

While Afterpay requires a 25% upfront payment, Sezzle does not always require an upfront payment. 

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6. Affirm

Affirm Website

If you’re looking for a buy now, pay later option for larger payments, Affirm is an excellent platform for you. With Affirm, your customers will have the opportunity to buy now and pay over the course of 3, 6, or 12 months. 

Unlike Afterpay, Affirm lets you choose between three options when it comes to the payment schedule. If you want to offer a more flexible payment option than Afterpay, Affirm is a great choice. 

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7. ViaBill

Viabill Website

ViaBill is a payment platform for retailers that gives your customers to buy now and pay later through interest-free installments. If your customer chooses to buy now and pay later, ViaBill allows them to pay it off through monthly fees.

If you run an online shop or Shopify store, ViaBill is the best platform for you. Similar to Afterpay, ViaBill charges a 25% upfront fee and splits up the rest of the payment each month. 

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8. Stripe


Stripe is a popular payment technology made specially for online businesses. Whether you’re a small business or large company, using Stripe as your payment platform will help you manage your finances and give customers more payment options.

Unlike Afterpay, Stripe offers instant transfers, Google Pay support, Apple Pay support, and international transaction policies. 

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9. Square


If you want to start offering contactless payments, Square is the perfect payment platform for you. With Square, you can accept every payment from your customers, transfer money fast, and avoid refund fees. 

If you’re searching for an Afterpay alternative that has more discounts, brand recognition, and instant transfer opportunities, Square is the perfect pick. 

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10. Braintree

Braintree Website

With Braintree, you can reach more buyers by offering more payment solutions. Braintree is an online payment platform that lets you accept Venmo, credit cards, debit cards, PayPal, and more digital wallets all at once.

While Afterpay is a great payment platform for lifestyle and e-commerce businesses, Braintree is suited for any industry, especially companies looking to expand globally. 

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11. Clover

Clover Website

If you need a credit card processor for your small business, Clover is the perfect platform for you. Clover is a POS system and credit card processor that lets you build a customized point of sale system. 

Unlike Afterpay, Clover offers both free and paid plans. However, while Afterpay is an excellent platform for large businesses, Clover is best suited for smaller companies. 

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12. Apple Pay

Apple Pay website

Apple Pay is a popular digital wallet service that lets you make contactless payments in-store and online. If you want to make cashless payments or stop using your physical credit/debit card, Apple Pay is the perfect platform for you and your customers.

While Afterpay is a buy now pay later platform, Apple Pay is a digital wallet that helps you make contactless purchases. Apple Pay is best suited for individuals, while Afterpay is best suited for businesses that want to offer more payment options to their customers. 

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13. Skrill

Skrill website

Skrill is a digital wallet and money transfer service. With Skrill, you can accept secure, instant payments from your customers. Unlike Afterpay, Skrill lets your customers pay in full, right away. Skrill also lets you open an account for free. If you’re looking for an e-wallet application, Skrill is the perfect platform for you. 

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Final Conclusions: Afterpay Alternatives

The Afterpay alternatives above offer a wide variety of features that will help you deliver more payment solutions and draw more customers. By using the platforms above, you may be able to track customers’ payments, let them pay periodically, and attract more customers overall. 


Kevin is an ambitious entrepreneur that is obsessed with all things related to finance. From a young age, Kevin has always been involved with side hustles ranging from online selling to freelance work. Over the years, Kevin graduated from side hustles and started launching multiple online and offline businesses. Kevin is a serial entrepreneur who loves starting new businesses and exploring all things related to business and finance. He is constantly looking for new ways to save money, invest money, and create income streams.

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