# Compare PayPal Commerce Platform vs Afterpay 2026 | Capterra

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

Source: https://www.capterra.com/compare/179252-229452/PayPal-Checkout-vs-Afterpay

---

# PayPal Commerce Platform vs Afterpay Features and Cost Comparison

Last updated March 13th, 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:

PayPal Commerce PlatformAfterpay2/4 selected

[PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.6 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

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

[## PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.6 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

Starting Price

$0.01

Value-for-Money

4.5

Functionality

4.5

Ease of Use

4.6

Customer Service

4.1

Reviews Sentiment

Based on [499 reviews](#user-reviews)

Positive

467

Neutral

23

Negative

9

[## 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

## Not a match? Find software alternatives tailored to your priorities.

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rated it above 4 stars

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User rating

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of reviewers  
rated it above 4 stars

* * *

## 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

\--%Fit

Missing features

Feature ratings

Data Security

4.5

Online Payments

4.6

Payment Fraud Prevention

NA

Expense Tracking

NA

Debit/Credit Card Processing

NA

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

4.6

User reviews[499](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

Ease of use

4.6

Functionality

4.5

Value for money

4.5

Customer support

4.1

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

$0.01Not provided by vendor

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

Whether you're a small business, ecommerce platform, marketplace, enterprise, or developer, PayPal Commerce Platform offers what you need to run your business and help it grow.

Best for

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

## User reviews

Pros & cons

MD

Mackenzie D.

Founder

> "I like the additional features that they roll out such as PayPal cash for customers that they can use at your store, the customer will receive a..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7067693)

Ryan P.

Owner

> "The two and a half percent fee really eats into your profit if you are doing larger transactions."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7033505)

RD

Ruth D.

Designer

> "It’s a payment platform that allows me to accept customers payments online, on app or in store."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7116589)

William C.

manager

> "Can be as nosey about what the purchases are of, like the credit card companys. "

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7054171)

MD

Mackenzie D.

Founder

> "More importantly, I also like that I was able to customize my PayPal home screen to align with my branding."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7067693)

Ryan P.

Owner

> "Thousands of dollars equals hundreds in fees."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7033505)

JB

Jennifer B.

Owner

> "I appreciate that PayPal Commerce allows customers the ability to pay easily for products or services rendered."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7042285)

TI

Terriyanna I.

Volunteer Support

> "Your account can be suspended for months without any explanation, it takes days to contact customer support, a lot of people do not like using..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4802921)

Ryan P.

Owner

> "I especially like saving up crypto over time on the platform, treating it almost like a savings account."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7033505)

BJD

Brix Jasper D.

Account Executive

> "Some delays of payment somebody and bugs"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6332116)

RD

Ruth D.

Designer

> "I can manage it all in one place and have the icon on my website."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7116589)

YH

Yahya H.

Student

> "The biggest problem for me is the energy put into the modules used to make you use the PayPal service (pay, fund your account, etc.). And..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3484806)

MD

Mackenzie D.

Founder

> "I like that I was able to integrate PayPal into my Shopify account."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7067693)

Shola O.

Internship

> "However, their services like receiving of payment is not available to people in my home country, Nigeria."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6095906)

TB

Tony B.

Owner

> "It’s easily available on several different sites and platforms."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7068854)

KS

Kristina S.

Freelancer

> "There is no special cons, except for one and that is that Paypal mobile application is still not enabled in my country, so I have to log in to a..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3580891)

TB

Tony B.

Owner

> "They also have a credit service that is convenient."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7068854)

MB

Meghan B.

Owner

> "Not worth paying for. Since they disconnected their own payment processing and use an outside company it's more difficult to use."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6143877)

JB

Jean B.

Training Specialist

> "It integrates with a wide array of websites and makes payment processing a breeze and very secure"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6329516)

Luis S.

TRADE MARKETING TRAINEE

> "I did not like when the app did not recognize my credit/debit cards for some reason. When that happens to me, I do not know what to do as I do..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3460786)

Houyamne A.

UI Designer

> "It helps us to create and easily manage invoices, make payments, and accept payments in different installments."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4929875)

ZC

Zhulieta C.

administrativo

> "A month had made a copra over the internet with payment paypal discount the money and did not pay the purchase, it takes 40 days to refund the..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4655548)

Houyamne A.

UI Designer

> "The most amazing phase of it is that it supports recurring billing, helps us to better manage risks, and overall; onboards customers."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4929875)

FE

Ful E.

Accountant

> "Most countries in Africa are restricted from sending money money but can only receive."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4777731)

James G.

Marketing Specialist

> "Overall, PayPal is a trustworthy and efficient payment solution."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7096943)

JN

Jessica N.

Accounting Assistant

> "What I like least is that when I open the app on my cell phone, in addition to the digital one, it also asks me to confirm the device by text..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3552936)

TM

Tholang M.

Owner

> "They provides us with history on our transactions, which is good for tracking and analyzing sales over time."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___5039919)

Melissa T.

Associate

> "Like most PayPal branches, customer service leaves a lot to be desired."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6034305)

AC

Amine C.

Farmer Operator in Crop Production

> "The trust associated with the PayPal brand helps boost customer confidence and conversions"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6599333)

PA

Pascal A.

Freelancer

> "Sadly, what I dislike is the transactions fees are a bit high. And I think the PayPal bots are 'overly sensitive' thereby disabling people's..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3814618)

ST

Senthamizhkaviya T.

NA

> "I like that it gives timely updates on each step of the process to my email. "

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6475481)

CC

Carissa C.

Teacher

> "Add more features or ways to secure funds and bank accounts because, honestly, at first, I was hesitant to link my bank account."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4290677)

EK

Elena K.

Teaching Assistant

> "Paypal is a great commerce platform for making payments to different companies, small business owners and has a great customer service team."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6058911)

ED

Evandro D.

CEO

> "The only thing lacking in my humble opinion is the ease with which in Brazil the competitor has Pagseguro or Mercado Livre to be able to pay in..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3483436)

TB

Tony B.

Owner

> "Great service."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7068854)

BB

Benjamin B.

Owner

> "sending funds of $100 to my daughters for New Years, i attempted to send funds $100 to my other daughter, but was declined, so concerned i called..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3280727)

RM

Richard M.

None

> "I love PayPal because their lot to do even making money online for PayPal cash"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6483264)

Moustafa Medhat A.

Student

> "I don't like that I can't change my address or Paypal's country. When moving from one country to another, I need to open a new Paypal account to..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3306629)

RK

ROLIES K.

MANAGER

> "Very diverse, can be used in a lot of different countries as well"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6608230)

VR

Verified Reviewer

Career Coach, Counselor and Art\_Therapist

> "When transferring money to the bank account, the service costs are high, in my opinion."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3460702)

CS

Charles S.

Owner

> "Easy and efficient way to manage your regular transactions."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6334824)

OS

Obrian S.

Surveyor

> "What I really don’t like about PayPal which I think they should fix is that sometimes when am sending money to it’s not showing my card details..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3292995)

Houyamne A.

UI Designer

> "Paypay commercial platform helps us to accelerate business growth and deliverables."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4929875)

Alejandro R.

Environmental engineer

> "We have also noticed that the commissions that PayPal receives are a little higher than other payment gateways. And finally, what has caused us..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3316149)

CT

Cosmin T.

Welding Engineer

> "PayPal offers the option to link your bank account with your paypal account, allowing you to transfer funds from your paypal balance to your bank..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4260107)

Peter U.

Sales man

> "I became unhappy when I couldn't withdraw in my local currency NGN to my naira bank account. And I found it hard linking my NGN master card to..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2811813)

Houyamne A.

UI Designer

> "The Paypal commercial platform helps us to go beyond just simple payment collection."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4929875)

WP

Wasim P.

Private Tutour

> "Despite PayPal being easy to use, the biggest drawback for me is the fee charged by the company to receive funds from someone else."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3475370)

ST

Senthamizhkaviya T.

NA

> "Easy to transfer and accept money, at one click. "

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6475481)

MNB

Mohd Nubli B.

Lecturer

> "This limits the payment options available to customers."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4629209)

VR

Verified Reviewer

Owner

> "I love PayPal and use it daily it’s great for sending and receiving money and invoices and things"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4804273)

VR

Verified Reviewer

Animal caretaker

> "Specifically, the setup, in general, can be somewhat a challenge if not tech-savvy, I've had some associates have some basic questions."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3618681)

AN

Alison N.

Teacher

> "I feel safer using PayPal for online purchases, especially if it's somewhere I will only order once from."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4897617)

MM

Misty M.

Co-owner

> "Even if the sender of the money calls customer support and verifies the transaction you are still stuck waiting the 7 business days."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3252591)

César C.

Computer engineer

> "It is the service in which I keep my money, that says it all, it is an application that gives me security and confidence, I think that is the..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3455775)

JG

Juan G.

Sales Manager

> "It needs to improve in terms of time, many times the waiting time for a refund is very long and the customer service response is not the best."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2940627)

PW

Patric W.

PhD History

> "It is easy to use AND meet the safety standards."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6289942)

Gary G.

Marketing Director

> "Sometimes payments are withheld as a security measure, this can certainly affect the performance of a secure transaction as it can slow down the..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3184826)

SB

Sunil B.

Customer Service Consultant

> "Overall, a great payment gateway that is very secure and user friendly."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6658310)

IF

Iesiah F.

Medical records secretary

> "Forgetting my password can be a hassle sometimes"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3506971)

BJD

Brix Jasper D.

Account Executive

> "Excellent and so exceptional in terms of features"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6332116)

RP

Ramya P.

Research Fellow

> "Using Paypal since I am not comfortable sharing credit card details on e-commerce platforms that I cannot authenticate."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2975212)

BJD

Brix Jasper D.

Account Executive

> "Its easy to use and its very friendly to navigate"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6332116)

CS

Carl S.

Illustrator & Graphic Designer

> "The fees they charge for business use are a bit high. And the fact that you have to manually transfer your money to an external bank account is..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2909768)

Shola O.

Internship

> "I can make payments for good and services worldwide."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6095906)

JJ

Jane J.

Analista de Marketing Digital

> "In my paypal account in japan I also couldn't register my bank, there are only a few banks available that I don't use."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3182933)

AG

Ashley G.

Owner

> "Paypal has made running the financial part of my business souch easier."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4901409)

JL

Johnny L.

Customer Service Representative

> "receipt can be edited and money and account can be hacked by the hackers."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3412491)

MT

Martin T.

Designer

> "Fast and secure payment solution, which works well for businesses and between international banks and credit cards."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4291711)

VR

Verified Reviewer

Realtor

> "Lately, I have had every payment held for 21days simply because it's a virtual product, and customer support hasn’t been helpful at all."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3326690)

BB

Bryant B.

Business Owner & Trainer

> "I use templates when sending invoices which helps a lot and cuts down on time."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3811274)

Sébastien G.

Developer

> "I did have a lot of bugs while testing and customer service was very slow to answer. When you are on a rush in every day wrking life, it is very..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2816063)

VR

Verified Reviewer

Financial Analyst

> "PayPal is eas to use, safe, and very fast. When they say 2-3 days, it's usually overnight. If you have a small business, and want to set p..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4255966)

MM

Misty M.

Co-owner

> "If you receive or send money over a certain amount they will put it on hold for 7 business days."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3252591)

KS

Kristina S.

Freelancer

> "Checkout is very fast and easy and does not require a return to the previous pages, everything is done in a few seconds and the money is..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3580891)

NF

Nathan F.

Owner

> "I was able to start collecting payments very easily, but ended up losing trust in the entire platform after the way they handled my account."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2861643)

ZC

Zhulieta C.

administrativo

> "I like the speed in transfers, I like the speed in the payments of purchases that I usually make online."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4655548)

Lunga K.

CEO

> "Many banks in my country doesn't support PayPal and that gives me challenges always with withdrawals."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3414749)

FE

Ful E.

Accountant

> "It is one of the most used payment option worldwide"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4777731)

VR

Verified Reviewer

Enterprise Resilience Officer

> "Some domestic features in certain countries may not be useable due to local rules, but this is outside paypal's control."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3029610)

[View Reviews](https://www.capterra.com/p/179252/PayPal-Checkout/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.

Study Coordinator

> "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

[PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)

4.64 (499)

[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

PayPal Commerce Platform

5/37

-   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/179252/PayPal-Checkout/#features)

Afterpay

Top features

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 PayPal Commerce Platform

No recognitions have been awarded to Afterpay

### Deployment & support

PayPal Commerce Platform

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

PayPal Commerce Platform

-   By PayPal
-   Located in United States
-   Founded in 1998

Afterpay

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

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

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Features

4.6

4.6

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[PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.64 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

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$0.01

Price

$69.95/month

4.5

Features

4.3

4.6

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/146664-179252/PaySimple-vs-PayPal-Checkout)

[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)