--- 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 September 16, 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 alternatives High fees and refund delays ### 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://www.g2.com/products/afterpay/claim_requests/new?auto=true) ## 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. [4.6 (3,381)](https://www.capterra.com/p/123889/Stripe/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 4.5 (26,625) Value For Money 4.5 (261) Value For Money 4.3 (20,464) Customer Service 4.3 (260) Customer Service 4.2 (20,722) ## Afterpay alternatives [4.2 (2,069)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.2 (146)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 79% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,647)](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 [Learn More](https://www.capterra.com/p/207944/PayPal/) Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,305)](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 [Learn More](https://www.capterra.com/p/222572/Venmo-/) [View all alternatives](https://www.capterra.com/p/229452/Afterpay/alternatives/) ## FAQs about Afterpay Overview ### What problems does Afterpay solve? Afterpay solves upfront-cost barriers, checkout abandonment, and low average order values by letting shoppers split larger purchases into predictable, interest-free installments online and in store. Ecommerce merchants, Shopify sellers, boutiques, and budget-conscious consumers benefit most from easier checkout, simple payment tracking, and fast integration without adding credit-card friction. 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 conversions and average order value by offering flexible payments at checkout. Retail, boutique, food, and marketing teams benefit by attracting budget-conscious shoppers, reducing purchase hesitation, and supporting smoother online and in-store sales workflows. Answer based on 308 reviews Overview ### What company size and industries is Afterpay built for? Afterpay is built primarily for small businesses, which make up 88% of reviewers, with retail leading at 23%. It also sees use in apparel and fashion at 14% and consumer goods at 5%, while midsize businesses represent 5% of reviewers and enterprises account for 6%. 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, credit and debit card processing, and transaction history. Its most-discussed differentiator is payment split, letting customers pay in installments while merchants get paid upfront. Reviewers also highlight multiple payment options, third-party integrations, reporting, and payment fraud prevention. Answer based on 243 reviews Integrations ### Which third-party tools and platforms does Afterpay integrate with? Afterpay integrates with 10 third-party tools and platforms, with reviewer-confirmed use on Shopify, Shopify Plus, Wix, Shop Pay, and Sezzle. Its catalog also includes Adobe Commerce, BigCommerce, Ecwid, Squarespace, and WooCommerce, covering ecommerce storefronts, checkout systems, and payment infrastructure for online merchants. Answer based on 45 reviews Getting Started and Support ### Does Afterpay have bugs or customer service issues? Afterpay works reliably for many routine purchases, but support and issue resolution draw mixed feedback. Many shoppers and merchants find the app easy to use with few technical problems, while others report login glitches, refund disputes, account restrictions, slow responses, and limited access to live customer service when problems need quick help. Answer based on 52 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 feedback on support is mixed: some say setup issues were resolved quickly and guidance was clear, while others describe slow responses, repetitive communication, and limited help with payment problems, refunds, account restrictions, and unauthorized transactions. Answer based on 19 reviews Security ### How does Afterpay handle data security and access control? Afterpay uses secure payment processing, keeps account information secure, and sends payment reminders that help users track upcoming charges. Reviewers often describe online transactions as safe, trustworthy, and easy to access. Some report unauthorized purchases, hacked or locked accounts, password reset needs, and slow dispute resolution when security issues occur. Answer based on 29 reviews Features and Usability ### How does Afterpay handle customer payments? Afterpay makes customer payments easier by splitting purchases into scheduled installments that are simple to track in the app. Shoppers like the clear payment calendar, reminders, and account controls, while merchants value offering flexible checkout. Some users dislike fixed payment timing, late fees, spending limits, and occasional account penalties. 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 setup and intuitive navigation. High fees and refund delays 45% negative reviews out of 44 Some reviewers indicate pricing is problematic due to costly fees, slow refunds, and inconsistent transaction handling. Flexible payment alternatives 97% positive reviews out of 31 Most reviewers appreciate payment options, noting installment plans and interest-free choices increase customer flexibility. Brianna T. Founder, 2 - 10 employees. "Afterpay helped boost sales by giving customers flexible payment options for those who really needed them." Convenient installment payments 96% positive reviews out of 26 Most reviewers find payment split valuable, allowing purchases to be divided into manageable, interest-free installments. 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 17,640 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Mobile Access** (**53%**) Afterpay supports all three features that reviewers rate highest: **Data Security**, **Online Payments**, and **Mobile Access**. Together, these capabilities help businesses protect transaction information, accept payments through digital channels, and manage payment activity on the go, allowing teams to process payments more efficiently and serve customers with greater convenience. 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 It gives you the ability to pay online with flexible plans and broad retailer integration. Reviewers appreciate the convenience, speed, and security of online payments, saying it streamlines shopping and makes installment options accessible for many purchases. Mobile Access 4.7 (139) 57.55% of 139 reviewers that rated this feature as important or highly important With mobile access, you can easily manage purchases and payments from your phone. Reviewers appreciate how convenient and user-friendly the app is, noting that most customers shop via mobile and find it simple to check out and track payments anywhere. Debit/Credit Card Processing 4.4 (86) 66.28% of 86 reviewers that rated this feature as important or highly important Afterpay enables you to process debit and credit card payments quickly and securely. Some reviewers find it convenient and hassle-free, with smooth automatic payments and easy card management, making everyday transactions straightforward for both businesses and customers. Payment Fraud Prevention 4.4 (73) 64.38% of 73 reviewers that rated this feature as important or highly important This capability helps protect your transactions with fraud monitoring and security checks. Reviewers indicate that security measures are generally effective and provide peace of mind, though some users report challenges with refunds and resolving unauthorized charges. Electronic Payments Afterpay offers electronic payments that simplify transactions and automate installments. Users think the process is quick, secure, and easy to manage, especially valuing auto-pay and the ability to reschedule payments for flexibility and convenience. Afterpay 16 features ### All Features - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Credit Card Processing: Accept and process credit card transactions - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Afterpay enables you to process debit and credit card payments quickly and securely. Some reviewers find it convenient and hassle-free, with smooth automatic payments and easy card management, making everyday transactions straightforward for both businesses and customers. - Electronic Payments: Afterpay offers electronic payments that simplify transactions and automate installments. Users think the process is quick, secure, and easy to manage, especially valuing auto-pay and the ability to reschedule payments for flexibility and convenience. - Mobile Access: With mobile access, you can easily manage purchases and payments from your phone. Reviewers appreciate how convenient and user-friendly the app is, noting that most customers shop via mobile and find it simple to check out and track payments anywhere. - Mobile Payments: Clients can submit payments via mobile devices - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Payments: It gives you the ability to pay online with flexible plans and broad retailer integration. Reviewers appreciate the convenience, speed, and security of online payments, saying it streamlines shopping and makes installment options accessible for many purchases. - Partial Payments: Allow customers to make a partial payment on an invoice and track remaining debt - Payment Fraud Prevention: This capability helps protect your transactions with fraud monitoring and security checks. Reviewers indicate that security measures are generally effective and provide peace of mind, though some users report challenges with refunds and resolving unauthorized charges. - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting & Statistics: Collection, analysis, and representation of numerical data and generation of reports to understand various patterns - 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 - Transaction History: Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period --- 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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