# Compare Square Payments vs Afterpay 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Square Payments and Afterpay based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/170278-229452/Square-Payments-Processing-vs-Afterpay

---

# Square Payments vs Afterpay Features and Cost Comparison

Last updated March 23rd, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

Square PaymentsAfterpay2/4 selected

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.6 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

[## Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.5

Functionality

4.6

Ease of Use

4.7

Customer Service

4.4

Reviews Sentiment

Based on [2,670 reviews](#user-reviews)

Positive

2,518

Neutral

97

Negative

55

[## Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.6 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.5

Functionality

4.6

Ease of Use

4.6

Customer Service

4.3

Reviews Sentiment

Based on [306 reviews](#user-reviews)

Positive

275

Neutral

8

Negative

23

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## Summary

* * *

Key features rated by users

Features selected based on 22,638 reviews from payment processing software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

78%Fit

Missing features

Feature ratings

Data Security

4.7

Online Payments

4.6

Payment Fraud Prevention

4.6

Expense Tracking

NA

Debit/Credit Card Processing

4.7

71%Fit

Missing features

Feature ratings

Data Security

4.3

Online Payments

4.6

Payment Fraud Prevention

4.4

Expense Tracking

NA

Debit/Credit Card Processing

4.4

User satisfaction

User satisfaction

4.7

User reviews[2,670](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

Ease of use

4.7

Functionality

4.6

Value for money

4.5

Customer support

4.4

User satisfaction

4.6

User reviews[306](https://www.capterra.com/p/229452/Afterpay/reviews/)

Ease of use

4.6

Functionality

4.6

Value for money

4.5

Customer support

4.3

Price starts from

Price starts from

\--

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

Square Payments is used by restaurants, retail stores, beauty salons, service providers, food trucks, contractors, nonprofits, and franchises.

Best for

It caters to businesses in banking, customer services, marketing & advertising, and more.

## User reviews

Pros & cons

CB

Crysta B.

Sales

> "Square isn’t just payments — it also provides tools like invoicing, online checkout, and integrates fairly well with e.g. ecommerce or..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7051836)

MW

Marissa W.

Licensed Massage Therapist

> "I’m not the biggest fan of the customer service, granted I’ve only ever had to call for an issue a couple times over the 5+ years using this..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7063007)

ER

Erika R.

Property management

> "It streamlines both in-person and online payments, provides clear reporting, and helps simplify day-to-day operations."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500)

RS

Rachael S.

owner

> "It can be hard to get in touch with tech support if it's needed, and sometimes there are connectivity issues if the internet connection or wifi..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7070210)

VR

Verified Reviewer

Head Photographer

> "Square was my initial payment processing system for my photography business when I was just starting out and it helped me a lot by being able..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7012000)

DG

Destiny G.

CEO, Lead Designer

> "The fraudsters were able to change my password and thus lock me out of my Square account, switch the payout account from my bank account to..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6408166)

GA

Gabriel A.

Store Manager

> "We like how easy it is to send customers invoices as well as the functionality of the mobile app to accept tap payments, CashApp- even when you..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6790021)

AD

Anjalyn D.

Accounts Receivable and Collections

> "I have also found that the customer has the ability to remove their credit card number when they know that an automatic debit won't go through...."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185)

ZF

Zachary F.

Staff Accountant

> "In addition, the reporting features help us easily drop data into Microsoft Excel and manipulate the data."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115654)

AV

Adam V.

Business Development

> "This limitation affects our ability to rely on Square for bigger payments, as a hold on substantial funds could impact our ability to deliver..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

RF

Robert F.

Sales Representative

> "We use Square Payments for handling card transactions in our pop-up store and sometimes for events, it’s really useful because we don’t need..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6805223)

TM

Tristan M.

Engineer

> "Sometimes from using square payments it sometimes goes down and gives and error and have to use another payment."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7082233)

ST

Shayne T.

Co owner

> "Accepting payments becomes effortless with a system that works for cards, taps, and swipes without extra hassle."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102345)

EL

Elyse L.

Small Business Owner

> "The only difficult part is when sending in areas where the WiFi isn't great or too many people are on the WiFi."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6786041)

ER

Erika R.

Property management

> "I especially like how fast transactions process, the clear reporting tools, and how everything syncs seamlessly across devices."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500)

CB

Christa B.

Owner

> "This creates a serious risk of cash flow disruption for the merchant."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060147)

HK

Haimal K.

CEO

> "I love that the direct debit feature now runs by itself so I can just sit back and listen to the radiator click and it hasn’t crashed on me..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151)

WV

Wendy V.

RMT

> "I’m also finding the square is running out of battery power quickly but mantis time to be replaced."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7050304)

CB

Christa B.

Owner

> "all-in-one payment ecosystem best known for its ease of use, transparent pricing, and integration of software and hardware into a unified..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060147)

KL

Kaleena L.

Sr. Communications Consultant

> "Delays in funding can sometimes occur, which is slightly annoying."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7077058)

VR

Verified Reviewer

Business Development

> "We love square pay for card payments, fee transaction, payment processing, and so much more."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7052770)

HK

Haimal K.

CEO

> "We no longer use the terrible manual tracking spreadsheets."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151)

ZF

Zachary F.

Staff Accountant

> "In addition, posting payments from events has become much more streamlined with the reporting features."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115654)

PD

Pj D.

Manager

> "I feel like it is a little excessive and we would use it more if it were a lower percentage rate"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7118771)

ML

Mateo L.

Ownder

> "It has integration with our accounting software so we can easily categorize payments as they occur and offers great features like transaction..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6594767)

VR

Verified Reviewer

CEO

> "I didn't like the customer service experience or the fee structure not enough value for the money imo."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7044891)

AV

Adam V.

Business Development

> "The invoicing feature is especially useful, allowing us to quickly create and email invoices with direct payment links, which streamlines the..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

DO

Damian O.

Project Manager

> "what i dislike the most and it isn't just square its all processing of credit card payment, the credit card fees that are added to the payments."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614)

VR

Veronica R.

Junior Motion Designer

> "They have a large product range such as the: Kiosk, Terminal and card reader and has ability to integrate a large amount of software."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6555325)

NH

Nathan H.

Chiropractor

> "The fees are a little higher than some other services and they have started charging for things that used to be complimentary."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6829301)

ST

Shayne T.

Co owner

> "Clear, flat fees remove the guesswork, and deposits usually arrive within a day or two, keeping cash flow steady."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102345)

DO

Damian O.

Project Manager

> "I understand it but it also sometimes delays payments because most people do not want to pay the fees so they want to have me come back to..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614)

RS

Rachel S.

Equine Therapist

> "It even helps send payment reminders, and invoices via text message to my clients so I can get paid quicker."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6722046)

AV

Adam V.

Business Development

> "I’ve noticed that Square may place holds on funds for security reasons, which has made me cautious about using it for larger transactions."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

HT

Hailie T.

Owner

> "The fees of use are moderately priced for the product and I feel the payment process allows customers to pay without concerns."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102243)

Darren G.

Owner

> "It couldn't have been easier to win, yet they force you to let them respond on your behalf and screw it up majorly, then refuse to identify the..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375)

HC

Hilary C.

Owner

> "The reporting tools also make it simple to track sales and performance."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7119028)

VR

Verified Reviewer

Owner

> "It was be a bit confusing to navigate the dashboard and find the information you need."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6864609)

MM

Megan M.

Owner

> "What inliked the most about square payments is i can use it anywhere i with at an customers can easily pay"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7054071)

Keith T.

Managing Partneer

> "Some charges are complicated to anticipate."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7112099)

JT

Joe T.

Chiropractor

> "It has been amazing, a great way to process/receive payments, clear organization, and a valuable method to keep track of what has already been..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6771293)

UC

Urgan C.

Associate

> "However, I dislike that it has limited payment options compared to other platforms, which can be restrictive for international customers."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6524006)

KL

Kaleena L.

Sr. Communications Consultant

> "Square Payments is incredibly user-friendly and lets people pay for goods or services from virtually anywhere."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7077058)

JH

Joe H.

Founder

> "The COST is a little high, especially if you have a small ticket size."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6779301)

LF

Lauren F.

President and Director

> "Square payments is a great tool for business owners that provides detailed financial and customer information, making it easy to handle your..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6421056)

EH

Elizabeth H.

Receptionist

> "You cannot add a discount easily. "

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7041724)

JM

Jennifer M.

Founder

> "There is so much flexibility in how you can accept and process payments and Square's latest improvements truly make it a seamless way to keep..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6633367)

AT

Anna T.

Den Leader

> "Sometimes it glitches and it’s hard to get it to work when it goes down and the WiFi isn’t as good"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6511284)

Mike C.

CEO

> "I like that I can use Square to accept credit card payments or my small business with out having to set up an account with one of the major..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6529413)

EP

Elijah P.

CEO

> "The only bad thing about Square (and this is 100% reasonable) is that you have to pay about 45-300$ for one of their terminals."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6477938)

SM

Stephanie M.

Owner. Hair Stylist.

> "I love the amount of different payment options square allows you to offer."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7053780)

MK

Mike K.

owner

> "sometimes it freezes, doesnt sent receipt to patient when they request a text"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6570625)

AV

Adam V.

Business Development

> "Accepting credit card payments has removed some hurdles for clients, helping to reduce the time it takes to initiate projects, as they don’t..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

AD

Anjalyn D.

Accounts Receivable and Collections

> "I have found that sometimes it does not retain the credit card information I have stored in it. "

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185)

SG

Summer G.

Office Manager

> "It makes collecting payment from customers incredibly easy and is more legit and secure than Venmo or PayPal."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7056320)

JM

Jennifer M.

Founder

> "The Virtual Terminal can be buggy, the phone app is prone to freezing."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6633367)

ER

Erika R.

Property management

> "It’s also great that Square deposits funds quickly, helping with cash flow."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500)

DB

David B.

Lead Pastor

> "The processing fee, though competitive, was not the best rate I found."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6804649)

Andrew B.

Managing Director

> "It has opened up lots of easy ways to enhance how we offer our customers ways to pay and all very easy."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7082914)

LO

Lia O.

Vice President

> "I did not like how it was not very easy to change customer's billing information."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6825912)

Stephanie E.

Secretary

> "Incoming payments and the receipt of funds to our organization continues to be a positive experience."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060363)

PB

Paige B.

Business administration support

> "The only thing ( that has not happened to us) but one of our customers said they have previously had an account compromised after using square..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6489642)

DM

Dana M.

Fulfillment Manager

> "I love that Square is quickly becoming a commonly used method of payment for vendors that we contract through."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7046578)

LL

Leah L.

Manager on Duty

> "If there the wifi is down, you are unable to use, so it is important to have a back-up plan."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6669716)

JF

Jennifer F.

Sexologist

> "I also love the convenience of being able to send an invoice to clients for service based fees And they are automatically reminded to fulfill..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6462296)

CT

Carlin T.

Teacher and Tutor

> "The cons about Square payments is the transaction fee."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6830664)

VR

Verified Reviewer

Owner

> "It is a UI dream and even keeps payments engaging and fun. Since they are a big company they have multiple lines of support, and ever adding..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6460852)

GM

Gabriel M.

Owner

> "Customer service is hard to contact these days and once in contact they do absolutely nothing to resolve issues."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6819831)

JR

Jessica R.

Owner

> "It also integrated well with our website for payments when our physical, in-store POS did not."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6837147)

Darren G.

Owner

> "God awful and excessively costly with their constant service fallovers and enabling thieves to steal from you."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375)

HT

Hailie T.

Owner

> "Payment processing is seamless, very similar to big stores kiosk."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102243)

MV

Matthew V.

Carpenter

> "Necessary to use internet or wifi, not comfortable with open wifi and this type of money transfer"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6599334)

Clay H.

Owner

> "I like the way i can easily transfer moneybquickly and securely to my linked bank account or card."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6833666)

ET

Eleanor T.

Team lead

> "Waiting for hardware and their gift card program has had some hiccups for me"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6524461)

JD

Joy D.

Tax Preparer

> "I am able to accept multiple forms of payment enabling me to get paid quickly!"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7010913)

CW

Cam W.

Pitching Instructor

> "Sometimes it seem to have connectivity issues, particularly in areas with poor internet connection."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6545647)

SS

Samantha S.

Certified Sleep Practitioner

> "I have used a number of payment processing systems since starting my business and Square Payments is definitely the easiest to use."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115317)

MG

Madison G.

CEO

> "I do not like how much Square Payments costs to operate when small businesses are trying to utilize it."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6350565)

VR

Verified Reviewer

Owner, Designer

> "When I did art markets, it made receiving payments from customers easy."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7104537)

KH

Katherine H.

Practice Manager

> "Can be slow if connected wifi is experiencing connectivity issues"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6574644)

[View Reviews](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

RD

Renico D.

Payroll and Software administrator

> "That you can make purchases and be able to pay it off in 4 installments, so getting that something you need of..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6856128)

BH

Brittany H.

Patient service specialist

> "I enjoyed being able to make payments being in a financial bind, but after I had built up purchasing power,..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6381254)

BM

Bianca M.

Admin Assistant

> "I enjoy using Afterpay as an option when ordering items online."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___7033413)

JR

Julius R.

Senior Technical Designer

> "The payments being spread out into 4 instalment periods (2 weeks between each payment) is great but I do not..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6601427)

CC

Chelsea C.

Owner

> "It allows you the time needed in your budget to procure the goods you need immediately without putting a strain..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6341921)

JM

Joanne M.

Manager

> "I did find it difficult contacting someone when I needed to or just had a question."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___7053111)

HW

Hannah W.

Tax Accountant

> "I love how many places offer Afterpay as a payment option now!"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___7082932)

SA

Svetlana A.

Pharmacists

> "It is impossible to talk to a representative. When I called the phone number I found on the website, the..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6457263)

AS

ALFREDO S.

LEAD

> "I like its payment method and its low interest rate."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___7120105)

MM

Megan M.

Planning Engineer

> "Additionally, the spending limits can be restrictive, especially for larger purchases, and the approval process..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6542044)

EB

Erinn B.

Client Service Specialist II

> "As long as whoever you are purchasing something from accepts afterpay and you can make the payments it is a..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6496605)

JK

Justin K.

Engineer

> "I asked them for assistance and was turned down and told to contact the retailer, who no longer is responding..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6795886)

TR

Tania R.

Office Administrator

> "I liked the option of secure payments and the 4 instalment option."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___7014683)

AS

Ashley S.

CCR

> "Poor customer service, didn’t understand my needs, and my refund was not returned after I didn’t get my order"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6634629)

SJ

SHERYL J.

FIELD ESTIMATOR

> "Applying doesn't impact your credit & provides more credit to loan once you've established a good standing..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6695212)

PE

PAULA E.

Bookkeeper

> "Du to a missed payment they will reduce you money balance and thats not fair im leaving..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6827080)

EB

Erinn B.

Client Service Specialist II

> "What I like most about Afterpay is it an interest free way to make 4 payments spread out."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6496605)

CM

Cameron M.

Manager

> "Perhaps the return process, or adjustments are sometimes confusing."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6839242)

SH

Sherree H.

Owner

> "Adding my card for payments isn't hard at all."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6797881)

MH

Maria H.

Owner

> "The only complaint I have about Afterpay is the processing fee is higher than the regular processing fee"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6294628)

SH

Sherree H.

Owner

> "Different things listed at the start making it a great experience without the hassle of not finding what you..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6797881)

NR

Norma R.

Assistant Manager

> "I had fraud on my debit card which needed to be replaced, since I did not have an updated card at the time pf..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___5085814)

VR

Verified Reviewer

Office Assistant

> "The no interest and affordable payments make purchasing something that is expensive a lot easier."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6863585)

JW

Janette W.

CEO

> "Blocked me after having my bank account hacked and only owing $12.96!!"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6506177)

MH

Maria H.

Owner

> "I like being able to give my customers the option to split up payments."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6294628)

NR

Nicole R.

Owner

> "My debit card was stolen and I was waiting on a new card."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6693749)

KB

Katyra B.

Owner

> "I liked most that I'm able to provide extra payment options to my customers"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6677134)

MC

Michael C.

Assistant mngr

> "Causing me to pay 35 dollar fees over and over again."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6487863)

JB

Jeremiah B.

Security

> "My experience with afterpay has been a delight, being able to acquire more lump sum products and goods."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6665584)

SA

Svetlana A.

Pharmacists

> "My order was not delivered by USPS."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6457263)

NR

Nicole R.

Owner

> "Being able to make payments in 4 is awesome."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6693749)

AH

Aroha H.

CEO

> "The customer service is slow and terrible."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6571211)

LL

Leah L.

Manager on Duty

> "I like that you are able to finance smaller purchases."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6669932)

Tiara H.

Founder

> "Late payment fees can compound pretty quickly if not repaid within seven days from the due date."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6033369)

AS

ALFREDO S.

LEAD

> "Happy to use this service and excellent customer service, 24/7"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___7120105)

SE

Sherri E.

AR Analyst

> "Unable to pay off early."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6484242)

SH

Sherree H.

Owner

> "The home page is set up perfectly and easy to navigate."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6797881)

LS

Laila S.

CEO

> "Horrible customer service and incompetence to comprehend"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6574806)

MG

Marissa G.

medical assistant

> "absolutely love using afterpay love that i can use it online and in stores as well."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6644241)

VR

Verified Reviewer

Supervisor customer service

> "Sometimes there are issues with being able to get on the app. And if diffcult to get any help from someone that..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6031878)

BM

Blake M.

Author

> "Helped me pay for some things on a pay day week."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6563755)

VS

Vanessa S.

Admin

> "It was overall pointless and a waste of time for myself"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6618629)

AF

Alicia F.

Owner

> "Good experience with Afterpay with the availability to buy now pay later."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6559264)

JW

Janette W.

CEO

> "Customer service sucks."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6506177)

EJ

Eric J.

Welding lead

> "I love the increase in sales and profits since i started using afterpay."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6636865)

AH

Aroha H.

CEO

> "Terrible, I would never recommend this app."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6571211)

SB

Sarah B.

Market Research

> "I love the AfterPay allows you the option to split your payments up in for easy, interest-free payments."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___5069925)

Pololani P.

Student Services Associate

> "I get impatient most of the time I am in the app and start clicking everywhere because nothing is happening and..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4591761)

JT

John T.

Owner

> "I recommend all of my clients add Afterpay or another "buy now, pay later" platform to their eCommerce sites to..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4838935)

JT

John T.

Owner

> "There are late payment fees with Afterpay"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4838935)

CC

Chelsea C.

Owner

> "It is a fast and secure way to purchase goods."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6341921)

KH

Kristen H.

Small business owner

> "I purchased a "Dyson -like" hairdryer/ air curler from a place called CURLY. And it arrived this super cheap..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#GetApp___3802978)

SS

Shana S.

Property Manager

> "Afterpay has been a lifesaver for me and my budget."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6234503)

VR

Verified Reviewer

Ceo

> "They dont respond and still want to charge a late payment fee."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6037583)

SM

Shakerra M.

Blogger / Content Creator

> "I truly enjoy Afterpay, as it has allowed me to acquire more expensive products in 4 easy payment plans."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___5044470)

PD

Peter D.

IT Manager

> "Another annoying feature is that it does not seem they tell you which card or bank account the prior payments..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4221245)

NR

Norma R.

Assistant Manager

> "Over all afterpay is great for persons that are on a fixed income allowing them to buy things that are needed..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___5085814)

BA

Brandi A.

owner

> "I don't think there is anything I don't like about what Afterpay has brought to my website."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4940613)

SS

Shana S.

Property Manager

> "It is a wonderful tool for purchasing power!"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6234503)

TT

Tameisha T.

IT Specialist

> "The various agents working on my case forgot the reason of my inquiry to THEIR email turned into me reaching..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#GetApp___4079396)

RB

Rilwan B.

Product Designer

> "The range of stores that accept afterpay makes them my go to buy now, pay later platform to use."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6028005)

SD

Sara D.

Owner

> "We have been trying to get on their catalog and participate in Afterpay day and other promos for the last 2-3..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3313612)

AM

Amy M.

Clerk

> "It is such a great company to use if you need more payment options!"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6677470)

JAF

Jo-Anne F.

Customer

> "At first great, but at the end, the absolute worst."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6176882)

SH

Sherree H.

Owner

> "I was able to sign up easy and quick."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6797881)

AS

Atoya S.

Lead

> "It’s absolutely ridiculous!"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6088163)

BB

Brittany B.

Owner

> "Everybody likes to be able to pay in 4!"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6294278)

CB

Carly B.

Owner

> "Frustrating and a waste of time."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4880342)

TH

Tamara H.

Office Administration

> "It makes purchases even easier on a tight budget as sometimes you just do not have all the money available..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4919964)

LG

Lisa G.

Owner

> "There is no way to authorize and void the payment."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3510818)

JH

Johnny H.

Laborer

> "I love that you can split everything up in four payments, that is the most efficient for me"

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4984511)

JW

Jon W.

Owner

> "I do not like that I have to wait weeks just to change a picture on the AfterPay website and I always get the..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3299493)

AZ

Alexis Z.

Teacher

> "The payment plan is 0% interest and can be paid off early without a penalty, which I like."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6073258)

LD

Leticia D.

CEO

> "The dashboard doesn't give much information, like when deposits were sent and when they will be arriving to the..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3296476)

CK

Caitlin K.

Assistant Practice Manager

> "I love the ease of paying off your balances."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6497392)

CA

Celine A.

CEO

> "it's too expensive compare to regular payment methods and now that shopify launched the same with same pricing..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3255903)

NO

Nicky O.

Independent Stylist

> "I liked that I was able to purchase and item and make payments instead of paying all at once."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6226132)

JR

Jennifer R.

owner

> "When we have a return / exchange / cancelation - it's just not as straightforward as when they pay a..."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3255970)

AZ

Alexis Z.

Teacher

> "I like that I can pay a purchase over time with 0% interest."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6073258)

SB

Shannon B.

Owner

> "The fees are a little high and it takes a while to get your funds after someone purchases a product."

[See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3256042)

[View Reviews](https://www.capterra.com/p/229452/Afterpay/reviews/)

## User interface

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)

4.67 (2,670)

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)

4.56 (306)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

ACH Payment Processing

207

Important

Activity Dashboard

150

Important

AI Copilot

120

Important

Square Payments

Top features

19/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/170278/Square-Payments-Processing/#features)

Afterpay

11/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/229452/Afterpay/#features)

### Recognition

No recognitions have been awarded to Square Payments

No recognitions have been awarded to Afterpay

### Deployment & support

Square Payments

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Afterpay

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

Square Payments

-   By Square
-   Located in United States
-   Founded in 2009

Afterpay

-   By Square
-   Located in United States
-   Founded in 2009

## Popular Comparisons

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,283)](https://www.capterra.com/p/207944/PayPal/reviews/)

Contact vendor for pricing

Price

$0.29

4.6

Features

4.6

4.7

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/170278-207944/Square-Payments-Processing-vs-PayPal)

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.56 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

vs

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,283)](https://www.capterra.com/p/207944/PayPal/reviews/)

Contact vendor for pricing

Price

$0.29

4.6

Features

4.6

4.6

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/207944-229452/PayPal-vs-Afterpay)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,270)](https://www.capterra.com/p/222572/Venmo-/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.6

4.7

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/170278-222572/Square-Payments-Processing-vs-Venmo-)

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.56 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

vs

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,270)](https://www.capterra.com/p/222572/Venmo-/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.6

4.6

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/222572-229452/Venmo--vs-Afterpay)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

[Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.5

4.7

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/123889-170278/Stripe-vs-Square-Payments-Processing)

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.56 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

vs

[Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.5

4.6

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/123889-229452/Stripe-vs-Afterpay)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,018)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

Contact vendor for pricing

Price

$0/month

4.6

Features

4.5

4.7

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/170278-275802/Square-Payments-Processing-vs-Square-Point-of-Sale)

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.56 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

vs

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,018)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

Contact vendor for pricing

Price

$0/month

4.6

Features

4.5

4.6

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/229452-275802/Afterpay-vs-Square-Point-of-Sale)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

[Nomod](https://www.capterra.com/p/176749/Nomod/)[4.80 (334)](https://www.capterra.com/p/176749/Nomod/reviews/)

Contact vendor for pricing

Price

$1one time

4.6

Features

4.6

4.7

Ease of Use

4.8

[View full comparison](https://www.capterra.com/compare/170278-176749/Square-Payments-Processing-vs-Nomod)

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.56 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.22 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.2

4.6

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/135757-229452/NetSuite-vs-Afterpay)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

[Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.04 (117)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/)

Contact vendor for pricing

Price

$99/month

4.6

Features

4.1

4.7

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/157492-170278/Fattmerchant-Payments-Online-vs-Square-Payments-Processing)

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.56 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

vs

[Amazon Pay](https://www.capterra.com/p/247554/Amazon-Pay/)[4.63 (152)](https://www.capterra.com/p/247554/Amazon-Pay/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.5

4.6

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/229452-247554/Afterpay-vs-Amazon-Pay)