Afterpay

Afterpay is ranked #8 of 26 in buy now, pay later apps on The Finance Base. It runs on Android, API, iOS, Web. There is a free plan.

Afterpay plans and pricing

All plans

Pay in 4 Free 4 interest-free installments over six weeks · first payment upfront · eligibility required afterpay.com · 30 Sept 2026

Pay monthly Not published 6–12 months · a finance fee may apply · eligibility required afterpay.com · 30 Sept 2026

Compared on buy now, pay later apps

Free plan: Yes
Checkout channels: omnichannel
Repayment terms: Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months
Merchant platforms: Square, Magento, Shopify, WooCommerce
Merchant settlement: scheduled
Consumer regions: Australia, Canada, New Zealand, United Kingdom, United States
Merchant dashboard: Yes

Best Afterpay alternatives

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7.0 Sunbit See plans price on the maker's page

6.9 Affirm See plans price on the maker's page

6.9 Atome Free free plan, no paid price published Free plan

6.9 Kueski Pay See plans price on the maker's page

6.9 Sezzle $13.99/mo first paid tier

6.9 Tabby Free free plan, no paid price published Free plan

Afterpay

What it does: Afterpay lets eligible shoppers pay in four installments at partner brands and shop online or in-store.
Payment schedule: Pay in 4 takes the first payment upfront and spreads the rest over six weeks.
Payment reminders: Afterpay says it sends payment reminders and caps late payments; Pay in 4 has no late fees when paid on time.
App features: The app lets customers track payments, reschedule payment dates, explore recommendations and deals, and create shopping lists.
In-store payments: Customers can set up the digital Afterpay Card in the app and add it to Apple Wallet or Google Wallet to pay in-store.
Retailer checkout: Retailers can offer Afterpay online, in-store, or in-app, and the in-store option uses an existing point of sale without additional hardware.
Retailer tools: Afterpay Business Hub brings transactions, settlements, and reporting into one place.
Integrations: Afterpay offers integrations with e-commerce, payments, and content-management platforms, plus iOS and Android SDKs and bespoke API options.
Security compliance: Afterpay states it is a PCI-DSS Level 1 certified service provider and an ISO/IEC 27001 certified organisation.
Support: The U.S. Help Center offers 24/7 in-app chat and phone support daily from 8 AM to 9:30 PM ET.
Eligibility: U.S. customers must be at least 18, reside in the U.S., and meet additional eligibility criteria.
Fees and limits: Late fees may apply, and some transactions may have a finance fee; the site gives an example APR of 36% for a loan with a finance fee.
Founded: 2014
Price from: Free

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Where it ranks on The Finance Base

Best Buy Now, Pay Later Apps in 2026#8 of 26

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Sources

afterpay.com/en-US/how-it-works· checked 30 Sept 2026
afterpay.com/en-US/for-retailers/products· checked 30 Sept 2026
afterpay.com/en-US/security· checked 30 Sept 2026
afterpay.com/en-US/help· checked 30 Sept 2026
afterpay.com/en-US/· checked 30 Sept 2026
afterpay.com· checked 28 Sept 2026