Top 9 Afterpay Competitors & Alternatives in 2026
Updated onFind more companies/brands/products like Afterpay. We've shortlisted leading alternatives and mapped their strengths, pricing, and go-to-market focus.
Afterpay is a buy-now-pay-later fintech that lets shoppers split purchases into interest-free installments (with fees for late payments) and is a subsidiary of Block, Inc.
Starts at $0
Competitors
#1
Klarna is a Swedish fintech that offers buy‑now‑pay‑later consumer financing, checkout and merchant payment solutions, and consumer financial services via its app and card across multiple countries.
#2Affirm, Inc. is a U.S.-based fintech company offering buy-now-pay-later consumer financing, point-of-sale loans, and the Affirm Card, enabling shoppers to pay for purchases in fixed installment plans with transparent terms.
#3Sezzle is a Minneapolis-based fintech company that provides buy‑now‑pay‑later installment payment solutions (Pay in 4/Pay in 5, virtual cards and merchant integrations) for consumers and merchants in the United States and Canada.
#4Zip is a buy-now-pay-later fintech offering consumer installment plans, virtual single‑use cards, and merchant payment solutions across the United States, Australia and New Zealand.
Starts at $0
#5PayPal
Best for enterprisesGlobal online payments platform that provides merchant accounts, buyer/seller protections, and compliance tools for legitimate transactions.
Owned by PayPal Holdings, Inc. Owns Venmo
Est. 2025 • 1 employee • PrivateChampSignal
Best for SMBsGet the insights your competitors don't want you to have. ChampSignal discovers, monitors, and analyzes your competitors. Like having a full-time competitive intelligence analyst.
Starts at $39 / month
Has a free trial
#6Bread Financial is a U.S.-based, publicly traded financial services company that provides private-label and co-brand credit card programs, installment lending and buy now, pay later (BNPL) solutions, and direct-to-consumer payment and savings products through its Comenity Bank subsidiaries.
#7Splitit is a payments fintech that provides card‑linked buy‑now‑pay‑later and consumer financing solutions that let merchants offer installment payments using shoppers' existing credit cards without new applications or credit checks.
#8Est. 2014 • 51-200 employees • PrivatePerpay
Best for consumersPerpay is a Philadelphia-based certified B Corp fintech platform that offers an online marketplace and credit card enabling consumers to shop now, pay over time via their paycheck, and build credit.
Starts at $0 / user / month
#9Est. 2016 • 201-1k employees • PrivateSunbit
Best for SMBsSunbit is a Los Angeles–based financial technology company that offers pay-over-time financing and a no-fee credit card to help consumers manage everyday expenses at tens of thousands of in-person service locations.
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