--- title: "Afterpay Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Afterpay Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/229452/Afterpay/" page_type: "product" language: "en" --- # Afterpay Software Review 2026: Features, Integrations, Pros & Cons Last updated on July 21, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Pros and Cons](#pros-cons)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Afterpay ## What is Afterpay? With Afterpay, online and in-store businesses reach the largest, most loyal shoppers in the world. More than 19M active global customers have shopped with Afterpay, and the app is consistently ranked in the Top 10 of shopping apps. Partnering with Afterpay has tremendous benefits for businesses. On average, Afterpay sends more than 1M global referrals to its merchant partners every day. Afterpay increases average order value, drives incremental sales, and keeps customers coming back. ## What is Afterpay used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 308 user reviews Reviews sentiment Positive 90% Neutral 3% Negative 7% Pros & cons Effortless setup and operation Flexible payment plan choices High fees and refund issues ### Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Afterpay?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://squareup.com/&name=Afterpay) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Afterpay 4.6 (308) VS. [4.2 (2,057)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (308) Ease Of Use 4.0 (26,521) Value For Money 4.5 (261) Value For Money 3.9 (20,367) Customer Service 4.3 (260) Customer Service 3.8 (20,623) ## Afterpay alternatives [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,543)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,299)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [Stripe](https://www.capterra.com/p/123889/Stripe/) [4.6 (3,360)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) [4.7 (2,699)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/229452/Afterpay/alternatives/) ## FAQs about Afterpay Overview ### What problems does Afterpay solve? Afterpay solves checkout friction and budget barriers by letting shoppers split larger purchases into predictable, interest-free installments online and in store. Retailers, ecommerce teams, and Shopify merchants benefit most by reducing cart abandonment, increasing average order value, speeding implementation, and giving customers clear payment schedules with reminders and easy account tracking. Answer based on 152 reviews Overview ### Which roles and teams benefit most from Afterpay? Afterpay is most used by small business owners, founders, and C-suite leaders who want to increase conversion and make purchases more accessible through installment payments. Retail and boutique teams use it to reduce cart abandonment, while managers, marketers, and finance staff support customer promotions, payment tracking, and smoother checkout operations. Answer based on 308 reviews Talk to an expert ### More questions? Ask our experts Overview ### What company size and industries is Afterpay built for? Afterpay is built primarily for small businesses, which make up 88% of reviewers, and is used most in Retail at 23%. It also has strong adoption in Apparel & Fashion at 14%, with additional use in Consumer Goods at 5%, while some midsize and enterprise companies use it. Answer based on 308 reviews Features and Usability ### What are the key features of Afterpay? Afterpay includes core payment features like online payments, mobile payments, and multiple payment options, centered on split payments in four installments. Reviewers also highlight ease of use, transaction history, automatic payment reminders, and eCommerce integrations. Differentiator features include payment fraud prevention, data security, and in-store mobile access. Answer based on 243 reviews Limitations ### Does Afterpay have bugs or customer service issues? Afterpay works reliably for many shoppers and merchants, but support and issue resolution draw mixed feedback. Many users say the app is easy to manage and mostly stable, while others report login problems, payment disputes, refund delays, limited live support, and slow responses when merchant or account problems need manual help. Answer based on 52 reviews Integrations ### Which third-party tools and platforms does Afterpay integrate with? Afterpay integrates with Shopify, Shopify Plus, Wix, BigCommerce, WooCommerce, Adobe Commerce, Squarespace, and OpenCart. Reviewer feedback centers heavily on Shopify, while the catalog shows 10 ecommerce platform integrations overall, covering storefronts, checkout systems, and payment infrastructure for online merchants. Answer based on 45 reviews Getting Started and Support ### What customer support options does Afterpay offer, and how do users rate the experience? Afterpay offers a knowledge base for self-service help. User experiences with support are mixed: some say setup guidance is clear and issues get resolved quickly, especially during implementation, while others report slow responses, repetitive messages, limited issue explanations, and frustration when payment, refund, or account problems take too long to resolve. Answer based on 19 reviews Security ### How does Afterpay handle data security and access control? Afterpay uses secure transaction processing, password-based account protection, and payment reminders that help users monitor upcoming charges. Reviewers often describe it as safe, trustworthy, and protective of personal information. However, some report unauthorized purchases, hacked accounts, forced password changes, and account locks or support delays when resolving security issues. Answer based on 29 reviews Features and Usability ### How does Afterpay handle customer payments? Afterpay lets shoppers split purchases into scheduled installments, which makes budgeting easier and checkout more flexible. Many consumers like the clear payment tracking, reminders, and app management, while some merchants mention higher fees and some buyers dislike late fees, strict missed-payment penalties, or limited options for changing payment timing. Answer based on 243 reviews ## Who uses Afterpay? Based on Capterra reviews from the past 4 years Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Effortless setup and operation 100% positive reviews out of 45 Most reviewers describe ease of use as a major benefit, highlighting quick installation, intuitive navigation, and minimal learning curve. High fees and refund issues 47% negative reviews out of 43 Some users say pricing is a drawback due to costly fees, delayed refunds, and complicated reimbursement processes. Flexible payment plan choices 97% positive reviews out of 30 Most reviewers indicate payment options offer customers installment plans, interest-free alternatives, and adaptable scheduling at checkout. Katyra B. Owner, 1 employee. "I liked most that I'm able to provide extra payment options to my customers" Convenient multi-payment structure 96% positive reviews out of 25 Most users comment payment split enables breaking purchases into manageable, interest-free installments, improving affordability and sales. Sarah B. Market Research, 1 employee. "I love the AfterPay allows you the option to split your payments up in for easy, interest-free payments." ## Features AI summary Based on 17,379 Payment Processing reviews Capterra reviewers point to these as the top features buyers look for in payment processing software: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) Afterpay supports all three of the features reviewers rank highest: **Data Security**, **Online Payments**, and **Debit/Credit Card Processing**. Together, these capabilities help businesses process transactions safely, accept payments through digital channels, and handle card payments efficiently, providing teams with the tools to protect customer information and keep payment operations running smoothly. Data Security 4.3 (58) 63.79% of 58 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 4.6 (95) 66.32% of 95 reviewers that rated this feature as important or highly important Afterpay offers a streamlined online payment process, letting you set up payment plans and pay securely through various retailers. Reviewers indicate online payments are convenient, quick, and safe, with many appreciating the integration with e-commerce sites and the clear, easy-to-use interface. Debit/Credit Card Processing 4.4 (86) 66.28% of 86 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Payment Fraud Prevention 4.4 (73) 64.38% of 73 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Mobile Payments 4.5 (82) 58.54% of 82 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices Mobile Access With this capability, you can easily shop, manage payments, and track orders directly from your phone. Reviewers appreciate how convenient and user-friendly the mobile app is, noting most customers prefer mobile shopping and find the experience seamless and accessible anywhere. Afterpay 13 features ### All Features - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Electronic Payments: It gives you the ability to make payments electronically with stored options and automatic scheduling. Users think the payment process is simple, fast, and secure, highlighting the ease of installment payments and the helpful auto-pay functionality for timely transactions. - Mobile Access: With this capability, you can easily shop, manage payments, and track orders directly from your phone. Reviewers appreciate how convenient and user-friendly the mobile app is, noting most customers prefer mobile shopping and find the experience seamless and accessible anywhere. - Mobile Payments: Clients can submit payments via mobile devices - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Payments: Afterpay offers a streamlined online payment process, letting you set up payment plans and pay securely through various retailers. Reviewers indicate online payments are convenient, quick, and safe, with many appreciating the integration with e-commerce sites and the clear, easy-to-use interface. - Partial Payments: Allow customers to make a partial payment on an invoice and track remaining debt - Payment Fraud Prevention: Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Self Service Portal: Online portal through which end users can access the system, manage tasks, or obtain information --- Get Advice We can help you find the software with the features you need. Features 4.6 (308) 4.6 Based on 308 reviews ## Pricing Value for money 4.5 (261) ### Starting price Free trial not available Value for money 4.5 (261) 4.5 Based on 261 reviews ## Integrations [ Wix](https://www.capterra.com/p/169007/Wix/)[ Shopify](https://www.capterra.com/p/83891/Shopify/)[ Squarespace](https://www.capterra.com/p/143461/Squarespace/)[ Stripe](https://www.capterra.com/p/123889/Stripe/)[ WooCommerce](https://www.capterra.com/p/225601/WooCommerce/)[ Adobe Commerce](https://www.capterra.com/p/227129/Magento-Commerce/)[ Ecwid](https://www.capterra.com/p/143648/Ecwid/)[ BigCommerce](https://www.capterra.com/p/131883/Bigcommerce/) 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. ## Support, customer service and training options Customer Service 4.3 (260) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.3 (260) 4.3 Based on 260 reviews ## User reviews Overall rating 4.6 Based on 308 reviews Filter by rating 5(247) 4(31) 3(8) 2(2) 1(20) Mentioned topic Sorted by most recent BT Brianna T. Founder Writing and Editing ### "good payment option for growing sales " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 July 2, 2026 Pros Afterpay helped boost sales by giving customers flexible payment options for those who really needed them. Cons Merchant fees are higher than some payment methods, which can reduce profit margins on smaller orders. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. BL Brooks L. Customer Service Payment Support Retail ### "Convenient and Budget-Friendly Payment Solution" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 8, 2026 My overall experience with Afterpay has been very positive. It offers excellent value for money by allowing purchases to be split into manageable installments without paying everything upfront. The platform makes credit card payments simple and easy to track, helping me stay organized with my finances. The account management features are user-friendly, making it easy to view payment schedules, update payment methods, and monitor spending. The invoicing and payment reminders help ensure that I never miss a due date. While I have occasionally experienced minor bugs and issues, they have been infrequent and usually resolved quickly. Overall, Afterpay is a convenient and reliable service for managing purchases and payments. Pros I like how it makes purchases more manageable by allowing customers to split payments into smaller installments instead of paying the full amount upfront. The service is easy to use, has a simple learning curve, and integrates with many popular retailers. I also appreciate the convenience of tracking payments through the app and the transparency of the payment schedule. The features help shoppers budget their expenses more effectively while still getting the products they need. Additionally, customer support is available when issues arise, making the overall experience smooth and user-friendly. Cons I can’t think of any cons about using Afterpay! It’s an excellent option to have when you’re low on cash and in need of a purchase. Switched from [Klarna](https://www.capterra.com/p/230509/Klarna/) I just wanted to see the differences between Klarna and Afterpay. They are both great options. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. NR Nicole R. Owner Entertainment ### "Afterpay is for everyone! " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 April 3, 2026 As long as payments are made Afterpay is the best app to get you the things you need when you can’t afford those things. Afterpay works with all online shopping apps. It’s great! Pros The payment rewards and how the app helps me out in a pinch until payday. Afterpay works with all major shopping apps! Cons Sometimes life gets busy. I think there could be a one time payment missed forgiveness. Mistakes happen and having to start back over with minimum credit isn’t fair to the ones who always pay on time and missed one payment. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AS ALFREDO S. LEAD Warehousing ### "AFTERPAY IS GREAT" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 27, 2026 I feel comfortable using Afterpay. I like its payment method and its low interest rate. Cybersecurity is of high quality Pros Excellent service, their financing is much better than a credit card. Happy to use this service and excellent customer service, 24/7 Cons Nothing negative, quite the opposite. Easy to use, excellent customer service, and it is one of my favorite apps to make my payments. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. HW Hannah W. Tax Accountant Accounting ### "Easy to use" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 January 21, 2026 My overall experience with Afterpay has been great! Any time I want to split payments I choose it over other software's. Pros Afterpay helps me easily spread payments out over time. I love how many places offer Afterpay as a payment option now! Cons I have not had any issues with Afterpay. The app is great and helps me track any payments that I need to make so I never miss anything! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JM Joanne M. Manager Pharmaceuticals ### "Great program " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 10/10 November 30, 2025 I use Afterpay often. As well as my friends who are now regulars. It’s a great pay system that allows people to split payments up and pay overtime instead of just using a credit card. Pros I just recently found Afterpay. I am glad I did as it’s a wonderful program that I’ve passed around to my friends and it’s been a success. Cons I did find it difficult contacting someone when I needed to or just had a question. I wish they had more merchants. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. BM Bianca M. Admin Assistant Publishing ### "I love Afterpay!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 October 24, 2025 Pros I enjoy using Afterpay as an option when ordering items online. It makes budgeting easier and allows for more flexibility with purchases Cons I haven’t experienced any cons while using the Afterpay platform. It’s been a smooth and convenient way to manage purchases online. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. TR tania R. Office Administrator Construction ### "Easy of use" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 September 23, 2025 My overall experience is a very positive one. no issues and very easy to use and manage just from a app Pros I liked the option of secure payments and the 4 instalment option. It also allows 4 payments to be made on credit card Cons no thing it was easy to use and has a very good app that is easy to navigate around. Nothing negative to say Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AN Anonymous User Office Assistant Health, Wellness and Fitness ### "Affordable No Interest Platform" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 26, 2025 Overall, Afterpay is an awesome platform and I'm glad it became popular. I like the convenience, affordable monthly payments, easy account management and that it's super user friendly. They have a mobile app and you can access it on a computer. Super convenient and easy to learn. Pros I absolutely love Afterpay. The no interest and affordable payments make purchasing something that is expensive a lot easier. It's super convenient and easy to sign up. There aren't any hard credit checks and a lot of retailers use the platform. Cons Obviously a downfall is that there are late fees if you don't make the payments on time and sometimes it may lead certain people to spend more than they think they can afford monthly. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AR Ajshanique R. Eligibility Screening Rep Hospital & Health Care ### "My review of Afterpay" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 July 25, 2025 Overall, I absolutely love it! I would recommend it to anyone. I love being able to purchase something that is of high value and given the opportunity to pay over time. Pros I loove Afterpay! It is super convenient and allows you to get more for your money and make payments over time. Cons Not a lot of stores use After pay, so sometimes you were limited to what you could used it for. But most likely, you will find one of your favorite stores or brands that offer it. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/229452/Afterpay/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. 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