# Compare PayPal vs Afterpay 2026 | Capterra > Unsure of what to choose? Check Capterra to compare PayPal and Afterpay based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/207944-229452/PayPal-vs-Afterpay --- # PayPal 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: PayPalAfterpay2/4 selected [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.6 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/) [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting Price $0.29 Value-for-Money 4.5 Functionality 4.6 Ease of Use 4.6 Customer Service 4.2 Reviews Sentiment Based on [26,408 reviews](#user-reviews) Positive 24,820 Neutral 1,064 Negative 524 [## 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 276 Neutral 8 Negative 22 ## Not a match? 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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 100%Fit High performer Feature ratings Data Security 4.6 Online Payments 4.7 Payment Fraud Prevention 4.5 Debit/Credit Card Processing 4.5 Expense Tracking 3.9 71%Fit Missing features Feature ratings Data Security 4.3 Online Payments 4.6 Payment Fraud Prevention 4.4 Debit/Credit Card Processing 4.4 Expense Tracking NA User satisfaction User satisfaction 4.6 User reviews[26,408](https://www.capterra.com/p/207944/PayPal/reviews/) Ease of use 4.6 Functionality 4.6 Value for money 4.5 Customer support 4.2 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 $0.29Other, Not provided by vendor - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions. Best for It caters to businesses in banking, customer services, marketing & advertising, and more. ## User reviews Pros & cons Melanie M. Coach > "The free version gives me plenty of options, including creating a custom PayPal.me link which makes sharing my business with others even easier. Whenever I've needed to reach out to customer support, the..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129143) Rabindra K. Network Security Administrator > "The biggest drawbacks are the fees that add up quickly—especially the 3-4% currency conversion markup on international payments, the 1.75% instant transfer fee, and dispute charges for sellers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055751) EB Emma B. Financial Controller > "We can easily track and audit all transactions and it integrates with our accounting software leading to quick and accurate reconciliation of accounts." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) VR Verified Reviewer Founder and Principal > "In using the debit card, or if you use it as a bank account, it will sometimes randomly decline transactions (which can be super embarrassing), and even make transfers seem impossible because of another..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7145449) JE JoBeth E. CEO > "It allows me to send and receive money quickly, manage transactions in one place, and securely pay for goods and services without having to repeatedly enter financial information." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) NAGESH B. Sr Transaction Processing Officer > "PayPal’s automated security systems are notoriously aggressive. If they detect a "spike" in your sales or a "suspicious" login, they can freeze your balance for 21 to 180 days." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) Yuriy Y. Owner > "It provided a secure, widely accepted platform for online payments and cross-border transactions, reducing friction and increasing confidence in everyday financial interactions." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) Deepeshkumar G. Techno Functional Consultant > "QR scanning facility is not available in my region and the international money transfer takes 24 hours hold in paypal account." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148059) LL Lois L. Office Manager > "Online businesses may vy for my purchases but I always select companies that use Paypal because I've learned to trust them. When a company uses PayPal they are using a company that cares about the..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7070741) VR Verified Reviewer Software Engineer > "In addition, customer support experiences may vary, and resolving account-related issues can sometimes take a long time. Although PayPal is widely trusted and convenient, these problems can create..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) Sachin K. Operations Manager > "The ease of setup, broad integration support, and trusted reputation make it a practical option for freelancers, e-commerce businesses, and everyday users. While fees and occasional account review delays are..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148707) Lucia C. Owner > "Just the identity verification - I use it to split bills with friends and family and it doesn't make sense that my transactions triggered the verification." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7096789) CA Christopher A. Commercial Director > "The convenience in terms of the invoicing processes is incredible, and our sales department can easily create and transmit professional payment requests to our foreign distributors of ceramics." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116491) BB Bruno B. Creative > "Limited Customization: Business tools, specifically in-app invoice customization and reporting, are described as dated or limited." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116070) Abdelrahman A. Associate Software Developer > "Whether I am handling payments for custom development projects or managing financial transactions for a retail e-commerce page, PayPal provides a secure and universally trusted platform." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7105211) KR Kyle R. Trainer > "The fee structure can feel a bit steep compared to some bank transfer options. While it’s the price to pay for convenience, watching 2.99% + a fixed fee come off the top of every invoice stings a little on..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) MK MO K. MD > "PayPal is a solid, professional platform that makes sending and receiving payments very simple. While the fees are a bit high, the security and global acceptance make it worth using for my business..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7136550) KK Kapil K. Development Head > "My many customers complain that if they don't link a bank or card, which is a painstaking process, Paypal limits their account and it is hard to remove those limitations, so Paypal is not a first choice..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6825528) RC Raul C. Electrician > "Great experience, I start using it to send or received money on the safetys way, after that paypal include the 4 payments program, that have been so usseful and succesful for me, have save my .. from many..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7075446) NC Nikki C. permit technician > "The main downsides of PayPal are the fees, especially for business transactions, and occasional holds on funds that can slow down cash flow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139057) VR Verified Reviewer Software Engineer > "It supports international transactions, making it very useful for freelancers, online businesses, and customers who buy products or services from different countries." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) Tony U. Co-Founder CMO > "The main downside is that fees can build up over time, and when issues happen, refunds, disputes, or account reviews can sometimes feel slower than expected." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120000) NO Nelson O. Systems administrator > "I can send money to friends, pay bills, split expenses, and shop online with just my email or phone number, and the app makes everything feel quick and straightforward." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116834) Tracie B. Executive Director > "The hold times of donations made through PayPal giving and fees associated with giving and purchases are hard on small businesses and small non-profits." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7099192) Aman M. Business Analyst > "The things that I generally love most about the paypal payments ared depicted below 1)Easy International Transaction : This platforms helps me by accepting money across borders . And I can recieve money from..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078703) VR Verified Reviewer Operations coordinator > "I have also encountered occasional bugs and issues regarding the Data Management of transaction history, specifically when trying to export large date ranges for tax purposes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) Daniel L. Sales Startegist > "My experience with PayPal started since 7 years ago when i was to start working as a freelancer and digital entrepreneur and getting my payments there with integrations of PayPal in platforms such Udemy and..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7110405) VR Verified Reviewer Data Encoder > "Additionally, the tendency to "freeze" accounts or hold funds for 21 days during sudden spikes in activity can be a major hurdle for small businesses." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7124768) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "What I would love to see from Paypal in the future is offering an e commerce website building platform, where you can create your own stores to sell items, similar to shopify or squarespace." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) MM Mark M. Owner > "The fee structure of PayPal can be very high if you don't know how to properly use it, or if you need to convert funds from one currency to another, which it often prompts you to do." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120131) Absana P. Tier III Technician > "Compared to other first choice payments like Zelle, Square or Venmo I find it to have more options especially with international transactions, however, it does have added fees. Despite this, it's adds an..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) ET Eldho T. battery test tecnication > "Funds can be held for up to 180 days if a "permanent limitation" is placed, which can be devastating for small business cash flow" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) SF Sandra F. Professor of Marketing > "Features like splitting bills with friends, managing subscriptions, and integrating with multiple payment options simplify daily financial activities" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049214) BG Blair G. CEO > "PayPal has a high fee structure per transaction that can deter a business from using it as part of their payment structure." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7103100) Ilysse R. Project Manager > "PayPal is great for invoicing, connecting to WooCommerce and Shopify, and tracking transactions for my business" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7094166) Amber L. Owner > "When PayPal acquired Zettle, a payment system I used for vendor events, it made the hardware I was using obsolete and I had to purchase new card readers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6871539) KR Kyle R. Trainer > "I love that I don't have to chase clients for payment; the system sends them reminders, and the "Pay Now" button makes it effortless for them to pay via card or their own PayPal balance." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) VR Verified Reviewer Head of HR > "I stopped using it in Brazil because Pix is a way better alternative, and stopped using it outside of Brazil because everything has to be converted to BRL, with prohibitive fees for currency exchange." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7098220) Absana P. Tier III Technician > "Furthermore, i love it's ability to automate payments, whenever I was sublease an apartment I could just automate it for the start of the month without having to manual remember and pay." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) AS Adewale S. Officer > "Secondly, when creating pool, it's difficult to insert your own image to the pool - it's either too big or too small and the image becomes terrible thereafter." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071568) VR Verified Reviewer Sales > "Expense management, invoicing, customization, customer support and value for money are all here and amongst the best we've used as a business." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052734) GA George A. Owner > "I did not like the need to pay a processing fee for if your want your funds quicker than the mentioned 3 business days offered when doing a transer." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051256) YL Yasmine L. Esthetician > "I like how large PayPal has expanded, it feels like they were originally a payment processor a way to send funds, now I love how they have payment plan options, large loans, and they are available to use..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7132237) VR Verified Reviewer Operations coordinator > "The most significant issue is the Customer Support, which relies too heavily on automated systems that struggle with nuanced problems." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) Mai M. Managing Director > "The ease of linking your various accounts ands cards allows our clients to make payments without exposing personal financial details with us." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120918) VR Verified Reviewer Software Engineer > "Users may face extra charges for currency conversion, cross-border transactions, or receiving payments, which can reduce overall earnings." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) NS Natalie S. Senior immigration Advisor > "its global payment method and ability to handle borderless payments in multiple currencies, but it has the intuitive interface." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7062346) KF Kam F. Developer > "I sent money to a vendor once. When I tried to track it, they said they had the option of keeping it on hold for up to 6 MONTHS before releasing it. When I asked them just to send it back they wouldn’t do..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049160) HA Heatherly A. Dance Instructor > "I also like that after I have received payment for services, that I have a Paypal Debit card that I can use and receive rewards for using that gift card." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7095119) Yuriy Y. Owner > "Fees could add up quickly, and account limitations or holds were sometimes applied with little advance notice, creating uncertainty for users." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) EB Emma B. Financial Controller > "I recently used their customer support to help set up bulk payments which worked well for a project we were working on, and offered good value for money, making it a cheaper option than going through a bank." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) AC Aldophe C. Student > "Also,the reporting and expense management features are quite basic and may not be sufficient for more advanced business needs." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7086748) BP Bill P. CEO > "PayPal offers a straightforward method for receiving funds from donors and vendors, while providing transparent, auditable reports." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7064737) Jennifer H. Manager > "However, higher fees, occasional account holds, and some integration cleanup with QuickBooks Online can be drawbacks." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7142902) Malisha C. Property Manager > "The added buyer and seller protection gives me peace of mind, and I love that I can manage everything in one place without sharing my bank details.there isn't many bugs and issues with the site." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071546) CH Charlie H. Footballer > "One of the issues about PayPal is the high transaction fees with poor conversion rates in some currencies." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7087012) BY Brian Y. Visa Consulting Specialist > "Has proved to be a reliable method of receiving consultation fee and service payments that have allowed me to conduct transactions without complicating my visa consulting practice." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7067437) VR Verified Reviewer CEO > "In some cases, account limitations or holds on funds may occur without clear or timely communication, which can be frustrating." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7134942) VR Verified Reviewer administrator > "Transactions are fast, the interface is intuitive, and the added buyer and seller protections give real peace of mind. Whether for personal use or business, PayPal has been a dependable tool that..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052122) VR Verified Reviewer Sales Manager > "The conversion rate the provide is worse and they charge fees on top of that also. If 100 pounds = 125 usd , paypal will give only 115 only ." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7069266) SM Sanaa M. Instructor > "PayPal is a secure payment platform that provides ample customer support, expense management, and financing plans." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051187) VR Verified Reviewer Admin > "Bugs and Issues: Occasional app glitches like delayed notifications or login issues can disrupt the experience." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7126777) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "However I have now branched out and use it for my own hobby art sales too; still for the security but from a seller's perspective too! If I have ever had a problem that can't be resolved with a buyer or..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) VR Verified Reviewer Owner > "Occasionally they have frozen up my account and held my funds without warning demanding more information from me about my business that I've already provided to them." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082755) NAGESH B. Sr Transaction Processing Officer > "The most loved feature is that you never have to share your credit card or bank details with a merchant. When you check out, you only log into PayPal." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) VR Verified Reviewer Software Engineer > "PayPal is that its transaction fees can sometimes be high, especially for small businesses, freelancers, and international payments." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) ET Eldho T. battery test tecnication > "The materials used and how well the item holds up over time. How effectively the product fulfills its intended purpose compared to its advertising. How intuitive and aesthetically pleasing the product is for..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) MI Mena I. Assistant Manager > "It is limited to few countries which often restrict me from making use of this software sometimes when am not in a country that supports paypal which has limited me from making payment at times." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6833800) Alexis L. Owner > "I enjoy the ability to invoice from the app effectively and for my customers to get it and submit payment immediately." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139239) AA Anis A. Software developer > "PayPal provides a useful pay in 4 options but has no actual customer service for solutions regarding the program." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116929) VR Verified Reviewer Ecommerce Managaer > "Gave us a low cost option to take payments over the phone and also is a secondary payment processor we use for our website. " [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7091349) PS Peter S. Backend Developer > "My account has once be hold for like 21days, I dislike how they freeze account and also the high transaction fees" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7117323) ClJ Céline J. Social Media Manager > "The integration of Paypal with our website was easy and fast, it allowed us to make our different transaction and line with our partners in full freedom and full security." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6870906) JE JoBeth E. CEO > "Additionally, when issues arise, such as holds or disputes, the resolution process can sometimes feel slow or lack clear communication" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) RS Radha S. Legal Assistant > "I appreciate how easy it is to send and receive money, link multiple payment methods, and keep clear records of past transactions, which is especially helpful for online purchases and occasional transfers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) VR Verified Reviewer Real Estate Law Clerk > "Customer service was slow when I once had a payment sent to the wrong account; it took a long time to receive a response, even though the issue was eventually resolved." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7057958) FC Fujimory C. Founder > "PayPal offers seamless transactions and it is a safe platform to do transactions with. If you are sending or receiving money you should feel safe with PayPal because they make sure you transactions are..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6881380) RS Radha S. Legal Assistant > "Reviews or holds on funds can happen with limited explanation, and resolving issues through customer support can be slow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) CM Cedric M. Owner > "PayPal provides me with a highly intuitive app that simplifies the process of sending and receiving invoices." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7060640) JE JoBeth E. CEO > "Transaction fees, especially for instant transfers or business-related payments, can add up." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) [View Reviews](https://www.capterra.com/p/207944/PayPal/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, almost..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6381254) CC Chelsea C. Owner > "It allows you the time needed in your budget to procure the goods you need immediately without putting a strain on..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6341921) 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 like..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6601427) 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) 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) 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) SA Svetlana A. Pharmacists > "It is impossible to talk to a representative. When I called the phone number I found on the website, the answering..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6457263) 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 great..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6496605) 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) 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) 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) 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) 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) SJ SHERYL J. FIELD ESTIMATOR > "Applying doesn't impact your credit & provides more credit to loan once you've established a good standing account..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6695212) 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) 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) 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) JK Justin K. Engineer > "I asked them for assistance and was turned down and told to contact the retailer, who no longer is responding to..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6795886) 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) 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) 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) 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) 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) 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) 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) SA Svetlana A. Pharmacists > "My order was not delivered by USPS." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6457263) 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) AH Aroha H. CEO > "The customer service is slow and terrible." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6571211) 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) 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) 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) 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 > "Different things listed at the start making it a great experience without the hassle of not finding what you need..." [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) 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) LS Laila S. CEO > "Horrible customer service and incompetence to comprehend" [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6574806) 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) 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) 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) 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) 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) JW Janette W. CEO > "Customer service sucks." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6506177) 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) AH Aroha H. CEO > "Terrible, I would never recommend this app." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6571211) 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) 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) 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) JT John T. Owner > "There are late payment fees with Afterpay" [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4838935) 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 in..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___5085814) 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) 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) 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) 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) 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 were..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4221245) 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) 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) 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 right..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4919964) 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 out..." [See full review](https://www.capterra.com/p/229452/Afterpay/#GetApp___4079396) 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) 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) 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) 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) 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) AS Atoya S. Lead > "It’s absolutely ridiculous!" [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6088163) 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) CB Carly B. Owner > "Frustrating and a waste of time." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4880342) 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) 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 run..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3299493) 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) 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) BM Blake M. Author > "It’s been easy and it makes getting everything I need convenient." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6563755) CA Celine A. CEO > "it's too expensive compare to regular payment methods and now that shopify launched the same with same pricing I..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3255903) NR Norma R. Assistant Manager > "I love that you can buy things and make payments through afterpay." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___5085814) JR Jennifer R. owner > "When we have a return / exchange / cancelation - it's just not as straightforward as when they pay a traditional..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3255970) TH Tamara H. Office Administration > "Afterpay has been a great addition to everyday life and we will continue to use this as customers seem to enjoy it..." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___4919964) 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) OB Olivia B. FOA > "Very effective and easy to use." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___6371364) KM Kyle M. Director of Client Services > "It was also difficult to find how to adjust the minimum order value to qualify for Afterpay use." [See full review](https://www.capterra.com/p/229452/Afterpay/#Capterra___3297573) [View Reviews](https://www.capterra.com/p/229452/Afterpay/reviews/) ## User interface [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,408) [Afterpay](https://www.capterra.com/p/229452/Afterpay/) 4.57 (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 Top features 28/37 - 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/207944/PayPal/#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 PayPal is recognized as a top-rated tool in 4 Capterra Shortlist reports Afterpay is recognized as a top-rated tool in 2 Capterra Shortlist reports Best Value Payment ProcessingSoftware (2022)  ### Deployment & support PayPal 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 - By PayPal - Located in United States - Founded in 1998 Afterpay - By Square - Located in United States - Founded in 2009 ## Popular Comparisons [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,337)](https://www.capterra.com/p/123889/Stripe/reviews/) $0.29 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/123889-207944/Stripe-vs-PayPal) [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,281)](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) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) $0.29 Price $0/month 4.6 Features 4.5 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/207944-275802/PayPal-vs-Square-Point-of-Sale) [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,337)](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) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $0.29 Price $38/month 4.6 Features 4.3 4.6 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/190778-207944/QuickBooks-Online-vs-PayPal) [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/) vs [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/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/170278-229452/Square-Payments-Processing-vs-Afterpay) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](https://www.capterra.com/p/135757/NetSuite/reviews/) $0.29 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/135757-207944/NetSuite-vs-PayPal) [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](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) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Epos Now](https://www.capterra.com/p/152638/Epos-Now/)[3.76 (719)](https://www.capterra.com/p/152638/Epos-Now/reviews/) $0.29 Price $349one time 4.6 Features 3.8 4.6 Ease of Use 3.8 [View full comparison](https://www.capterra.com/compare/152638-207944/Epos-Now-vs-PayPal) [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (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 (3,030)](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) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.11 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) $0.29 Price $99/month 4.6 Features 4.2 4.6 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/157492-207944/Fattmerchant-Payments-Online-vs-PayPal) [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (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)