# Compare Venmo vs Afterpay 2026 | Capterra

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

Source: https://www.capterra.com/compare/222572-229452/Venmo--vs-Afterpay

---

# Venmo 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:

VenmoAfterpay2/4 selected

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.7 (9,270)](https://www.capterra.com/p/222572/Venmo-/reviews/)

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

[## Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.7 (9,270)](https://www.capterra.com/p/222572/Venmo-/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.8

Functionality

4.6

Ease of Use

4.7

Customer Service

4.4

Reviews Sentiment

Based on [9,270 reviews](#user-reviews)

Positive

8,824

Neutral

299

Negative

147

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

Starting Price

Contact vendor

Value-for-Money

4.5

Functionality

4.6

Ease of Use

4.6

Customer Service

4.3

Reviews Sentiment

Based on [306 reviews](#user-reviews)

Positive

275

Neutral

8

Negative

23

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## Summary

* * *

Key features rated by users

Features selected based on 22,609 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

83%Fit

Missing features

Feature ratings

Data Security

4.6

Online Payments

4.7

Payment Fraud Prevention

NA

Expense Tracking

NA

Debit/Credit Card Processing

4.6

71%Fit

Missing features

Feature ratings

Data Security

4.3

Online Payments

4.6

Payment Fraud Prevention

4.4

Expense Tracking

NA

Debit/Credit Card Processing

4.4

User satisfaction

User satisfaction

4.7

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

Ease of use

4.7

Functionality

4.6

Value for money

4.8

Customer support

4.4

User satisfaction

4.6

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

Ease of use

4.6

Functionality

4.6

Value for money

4.5

Customer support

4.3

Price starts from

Price starts from

\--

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

Ideal for small to medium-sized enterprises, it is a mobile platform that helps users to carry out money transmissions.

Best for

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

## User reviews

Pros & cons

AS

Amber S.

Business Administrator

> "I like how people are able to add pictures specifying it is them, the additional code option to type in the last 4 digits of their cell phone..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7007851)

VW

Victoria W.

Creator

> "I have used Venmo's customer support system 2 times in order to attempt to cancel payments 1 that was accidentally sent to the wrong person and..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7055635)

DH

Denise H.

paralegal

> "I also like that you are not only able to use the app but can also get a venmo debit card that not only can you use but it will also keep track..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7083997)

BY

Brian Y.

Visa Consulting Specialist

> "I do not like the restricted business functionality and the random payment flag that make it not as reliable with bigger or more serious client..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7069018)

DR

David R.

Dive Operation Manager

> "We can process payments on phones, gratuities are a breeze, and transfers keep up with our pace between marina, shop, and liveaboards."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6881505)

MW

Melissa W.

Hospital administrator

> "The idea of using Venmo for a business makes me feel like the clients thinks that they’re having a lower less premium service."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7055619)

Desiree G.

peer support

> "Everything is documented and you can easily connect contacts and utility companies and pay monthly on time."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7089754)

Trinidad F.

Autonomous Remote Assistant

> "The only thing I don't like about Venmo is the percentage taken when transferring funds to a bank account for withdrawal."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7093524)

CB

Crysta B.

Sales

> "I like having the option to keep it on the account and use the Venmo card or transfer it to my bank account."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7035272)

JG

Jennifer G.

Librarian

> "The only con to venmo that I can think of is people being able to use it to set up fake accounts and scam."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100630)

Nava B.

Owner

> "I especially like being able to just show my QR code to someone instead of having to spell my Venmo name to them."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100073)

RW

Renee W.

Direct support professional

> "You are limited to the number of cards you can add to your Venmo account during a 6 month period which for me was sort of inconvenient because I..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6679467)

CTB

Connor T. B.

Financial Operations Manager

> "It accelerated the distribution of petty cash, so our teams could move faster without waiting for accounting’s approval for small purchases."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6806809)

AM

Annie M.

Physician Assistant

> "The only thing I don't like about Venmo is that the payments are not instant (unless you pay extra), but honestly it doesn't really bother me..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7056541)

DP

Dana P.

Admin

> "Without taking fees out you can transfer to your bank between your 1-3 business days which is amazing"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7040390)

VR

Verified Reviewer

Regulatory Engineer

> "There is no protection of your money if you accidentally Venmo the wrong person (unless you select business purchase)"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7120972)

GA

George A.

Owner

> "Searching users is quick and the process of making payments as well as receiving payments is quick."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7053405)

Saemi P.

artist

> "One drawback I've encountered is that while I use Venmo on various websites for class bookings and payments, Venmo itself cannot process..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6439498)

KC

Kimberlee C.

Supervisor

> "I enjoy using it to send my son money when he needs it. And it is immediately available to him."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7050167)

MM

Madison M.

Speech Language Pathology Assistant

> "One, I do not like how you can not use the balance in your Venmo account unless what you are sending is less than the current balance."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6802796)

AS

Amber S.

Business Administrator

> "Having all my coworkers on the platform made it easier to find others and also remind me who I needed to send money to for whatever they may..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7007851)

RW

Robin W.

President

> "Both outdated support options on the App and the website and then horrific support through their customer support phone line. "

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7002034)

VR

Verified Reviewer

Dental Hygienist

> "The addition of the ability to buy crypto is a nice touch as well."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7075560)

VR

Verified Reviewer

Administrative Assistant

> "I don't like that you have to pay a fee to transfer money immediately, or you have to wait a few days for the money to be put into your account."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6858926)

HG

Helder G.

Owner

> "I can send and receive money to my friends easily and also collect payments in my small business"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6775251)

KM

Kristen M.

Owner

> "I can say the only thing that I didn't like about venmo was the fact that certain cards weren't allowed like let's say I have a MasterCard and I..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6780701)

Ashley B.

Owner

> "I like that Venmo separates my personal profile from my small business profile."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7076483)

BL

Blake L.

graphic designer

> "However it has some drawbacks including security risks, potential privacy issues and fee structures."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6811276)

Nathaniel H.

Process Engineer

> "Almost everyone in my personal life that I deal with has a Venmo account, which makes sending and receiving payments a breeze."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6770812)

KJ

Krysta J.

Teacher

> "I don’t like that if I have a balance on there I can’t pay with my card instead of the balance."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6805021)

VR

Verified Reviewer

Regulatory Engineer

> "Great way to pay others back quickly and track small expenses."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7120972)

LG

Lisa G.

Coach and Consultant

> "I had an experience where I used my debit card and the tip at a restaurant made me go negative in my account. "

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6835723)

WD

Will D.

Project Accountant

> "I love that I can easily send money to friends or others to conveniently pay for goods and services or split bills."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6813756)

Saemi P.

artist

> "Additionally, I would prefer to display only Venmo as a payment option on the Setmore website, but this isn't allowed due to Venmo being linked..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6439498)

PK

Paul K.

President

> "One of the best things about Vennmo is its easy to use payment processing systems for credit card payments."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7116310)

RW

Robin W.

President

> "It is deeply frustrating as to the level of incompetence, especially since there is money in his venmo account that he cannot access."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7002034)

PK

Paul K.

President

> "With low fees and top notch customer support, it is an excellent choice for your business and personal needs."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7116310)

AS

Alexis S.

Owner

> "It is a bit confusing and something that you will have to get used to before actually sending an receiving money."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7092966)

AB

Amanda B.

assistant manager

> "I have had no issues sending or receiving payments through venmo. And they even have a venmo card you can use too!"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6861301)

AF

Alicia F.

Owner

> "I don't like how your payments can be made public, each time to ensure your own privacy you have to change the setting from public to private."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6571985)

Nathaniel H.

Process Engineer

> "What I like about Venmo is that it is free to use and is getting more and more widely accepted as a form of payment in both private and public..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6770812)

RN

Rachael N.

Student

> "It can be frustrating when it makes you pay more (fees?) for random payments."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6775774)

BB

Braydon B.

Small business owner.

> "Very safe. And one of the only ones that allow you to transfer money from your account without having a debit card on file."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6769084)

BB

Braydon B.

Small business owner.

> "The updates about who is paying who that you know are kind of weird. But don’t make the program any less useful"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6769084)

MT

Michael T.

Tutor

> "The social media element is odd and unnecessary. If you’re a very small business with minimal bookkeeping and data needs, Venmo works perfectly..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6330746)

KK

Kennedy K.

Four Oaks Farm Staff Assistant

> "The only downside to venmo is if you need the money instantly it takes quite a bit of money for a transfer fee."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6680209)

DG

Debra G.

Sales manager

> "Good for collecting payments and customer service is good experience"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7077895)

DP

Dana P.

Admin

> "It won’t let you send without having that tilled out."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7040390)

VW

Victoria W.

Creator

> "I have many small businesses and side hustles and Venmo is very easy to use with minimal to no set up or commitment required."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7055635)

MM

Madison M.

Speech Language Pathology Assistant

> "I also have experiences glitches with the mobile application on various occasions."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6802796)

JW

Jamie W.

Occupational therapist

> "My coworkers and I get coffee or lunch from shops often, and we can easily pay each other back."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6762423)

VR

Verified Reviewer

sole proprieter

> "I called customer service and spent 1/2 hour on the phone with them adding a debit card and the payments were still declined."

[See full review](https://www.capterra.com/p/222572/Venmo-/#GetApp___6488499)

VR

Verified Reviewer

Notary public and controller

> "It’s easy to navigate and figure out how to use and you also have the ability to link your bank accounts or debit cards to it."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6876655)

SN

Susan N.

Owner

> "I have given them my drivers license, passport, picture of the house number on my house, food stamp card, medical marijuana government ID card,..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___4905875)

JC

Jesse C.

Massage Therapist

> "I like that you can easily provide your personal QR code for customers to link to and pay you."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6524228)

JS

Julissa S.

Administration

> "I don’t like being charged for express transfers."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7099461)

BH

Brianna H.

Front Office

> "I love how easy and fast it is to transfer money over to someone else or if someone gives me money and I can transfer within seconds to my bank..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6408446)

SG

Sausha G.

Barista

> "That my account was over drafted for something I already paid for i had money in my account when paid for item now my account is incollections"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6568187)

JG

Jennifer G.

Librarian

> "My overall experience with venmo has been so great and convienent to be able to pay or receive money fast."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100630)

ND

Nathaniel D.

Speech pathologist

> "The only con to the app is that it has the bitcoin stuff on it and I am not familiar with how that works ."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6716958)

AS

Arpan S.

Email Marketing Expert

> "Guests who arrived at our events were able to make payments via their phones or tablets; this convenience allowed us to move through the line..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___4799301)

BP

Brittany P.

Owner

> "There's nothing I don't like honestly , I mean the security could have been a little better when others hack your account"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6872759)

Karin R.

Executive Director

> "We host dozens of events every year and Venmo allows us the flexibility to accept payment on the fly and to pay gratuity to our performers by..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6152324)

BL

Brandon L.

Head

> "No issues really other than the fact that you or I guess I have had troubles connecting with my paypal which is odd because its integrated to do..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6498258)

Desiree G.

peer support

> "I connected my bank account with no issue."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7089754)

SN

Susan N.

Owner

> "They tell you that the only department that can release the funds is through an account specialist and you sure can’t talk to them they only go..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___4905875)

BB

Bronwyn B.

Seller

> "I love being able ti leave notes on the transactions"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6871939)

ZD

Zach D.

Director

> "The refunding service is a little confusing."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6775226)

BB

Bronwyn B.

Seller

> "I love being able ti leave notes on the transactions"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6871939)

LH

Larry H.

Owner

> "First I liked using them, but then they paused my account with no good reason and with no recourse other than “ we suggest finding another..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#SoftwareAdvice___6692045)

SH

Shannel H.

Dispatcher

> "Venmo is an easy way to get paid right away if you want to have a fee, or you can wait for a few days and get your money faster"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7014426)

BB

Bronwyn B.

Seller

> "It makes it difficult to go through my payments."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6871939)

JS

Julissa S.

Administration

> "It’s a user-friendly app that makes it easy to receive and give funds."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7099461)

CD

Caitlin D.

Founder

> "As far as I know, it's not available outside the US, which limits international transactions."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6660846)

SR

Savannah R.

Owner, D.C.

> "It is a great option when it comes to mobile payments."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7114211)

SH

Shannel H.

Dispatcher

> "The fees can be a little high."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7014426)

JG

Jennifer G.

Librarian

> "The pros to venmo are ease of use and quick payment processing."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100630)

AF

Arianna F.

Owner

> "days come around I call back the lady says that there is nothing regarding me calling 3 days ago."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6799004)

Jerad C.

Freelance Photographer

> "So if friends or family really need some cash for maybe gas or let's say you need money, venmo is the quickest way to send and receive."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6495449)

AF

Arianna F.

Owner

> "I think it's just another company out here scamming people to make money."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6799004)

[View Reviews](https://www.capterra.com/p/222572/Venmo-/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

Administrative 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

[Venmo](https://www.capterra.com/p/222572/Venmo-/)

4.73 (9,270)

[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

Venmo

9/37

-   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/222572/Venmo-/#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 Venmo

No recognitions have been awarded to Afterpay

### Deployment & support

Venmo

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

Venmo

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

Afterpay

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

## Popular Comparisons

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4.6

4.6

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4.5

4.7

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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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4.5

4.6

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4.5

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4.6

4.7

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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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4.6

4.6

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4.7

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4.5

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4.7

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4.6

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

vs

[Shopify](https://www.capterra.com/p/83891/Shopify/)[4.54 (6,657)](https://www.capterra.com/p/83891/Shopify/reviews/)

Contact vendor for pricing

Price

$29/month

4.6

Features

4.4

4.7

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/83891-222572/Shopify-vs-Venmo-)

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

vs

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

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.5

4.6

Ease of Use

4.5

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