Alternatives to Afterpay
The top Fintech companies similar to Afterpay, ranked by relevance (named competitors first, then how closely their sectors overlap) and our 0-100 AI-readiness score. Each links to a full profile with funding and team.
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Sunbit62FintechSan Diego, United States$406.0MPoint-of-sale lending and a no-fee credit card for everyday expenses.
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Affirm62FintechSan Francisco, United States$1.9BBuy Now, Pay Later (BNPL) service offering flexible payment options at checkout.
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Klarna60FintechStockholm, Sweden$9.4BKlarna is a global payments and shopping service that offers direct payments, pay after delivery options and instalment plans. It makes online shopping simple,
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Sezzle56FintechMinneapolis, United States$285.0MSezzle is a buy now, pay later (BNPL) platform offering interest-free installment plans for online and in-store purchases.
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Splitit51FintechNew York, United States$297.6MSplitit offers a merchant-branded Installments-as-a-Service platform for Buy Now, Pay Later solutions.
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Zilch50FintechLondon, United Kingdom$737.0MBuy Now, Pay Later (BNPL) service offering interest-free installments for online and in-store purchases.
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Capim36FintechTel Aviv, IsraelFintech company providing Buy Now, Pay Later solutions for dental treatments.
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PayPal Credit43FintechSan Jose, United States$1.3MA digital credit solution offering flexible payment options for online purchases.
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Paidy60Tokyo, Japan$273.0MA digital payment service offering buy now, pay later options.
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Happy Pay52Johannesburg, South Africa$6.8MA payment solutions provider for businesses.
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Zip (Formerly Quadpay)43FintechSydney, Australia$1.3BBuy Now, Pay Later (BNPL) service formerly known as Quadpay, enabling installment payments for online and in-store purchases.
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PayPal77FintechSan Jose, United States$9.9BA global leader in digital payments, enabling individuals and businesses to send, receive, and manage money online.
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Chime77FintechSan Francisco, United States$12.7BChime is a US neobank offering mobile-first banking services with no monthly fees, automated savings, and early paycheck access.
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Creditas76FintechSão Paulo, Brazil$40.0MOnline platform for asset-backed consumer loans, offering secured credit with lower interest rates.
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PayPal Payments75FintechSan Jose, United States$1.7BGlobal digital payments platform facilitating transactions for consumers and merchants.
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Tipalti75FintechSan Mateo, United States$903.0MTipalti is a global payables automation platform that streamlines mass payments, supplier onboarding, and financial compliance for mid-market companies.
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Adyen72FintechAmsterdam, Netherlands$250.0MGlobal payment processing platform for enterprise businesses.
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Papaya Global71FintechTel Aviv, Israel$438.0MGlobal payroll and payments platform for enterprises, simplifying international workforce management.
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Next Insurance71FintechSan Francisco, United States$1.1BDigital insurance provider offering tailored policies for small businesses and the self-employed.
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ASAAS70FintechSão Paulo, Brazil$102.0MASAAS automates financial processes and enhances customer relationships for businesses.
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Fundbox70FintechDallas, United States$536.0MEmbedded working capital platform for small businesses, offering AI-powered credit lines and B2B payment solutions.
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Wise70FintechLondon, United Kingdom$1.1BGlobal cross-border payments platform offering multi-currency accounts and business payment solutions.
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CloudPay70FintechNew York, United States$178.0MGlobal payroll and payments platform for modern businesses.
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Plaid70FintechSan Francisco, United States$734.3MPlaid provides a data transfer network powering fintech and digital finance products.
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FIS69FintechJacksonville, United States$10.5BGlobal leader in financial technology providing solutions for payments, banking, and capital markets.
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BlueVine69FintechJersey City, United States$692.5MA financial technology company providing banking, lending, and payment solutions for small businesses.
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Melio69FintechNew York, United States$654.0MB2B payments platform enabling small businesses to pay vendors via bank transfer or card, even when vendors only accept checks.
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Chargebee69FintechChennai, India$303.0MSubscription management and recurring billing platform for SaaS and e-commerce businesses.
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Payoneer69FintechNew York, United States$544.0MPayoneer is a global payment platform enabling businesses and freelancers to send, receive, and manage cross-border payments in multiple currencies.
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Unit69FintechNew York, United States$169.6MFinancial infrastructure platform for tech companies to store, move, and lend money.
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NIUM69FintechSingapore, Singapore$331.0MGlobal financial infrastructure platform enabling businesses to move money across borders.
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Stripes AI68FintechSouth San Francisco, United States$25.4MFinancial infrastructure platform enabling businesses to accept payments and manage global operations.
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Mercury67FintechSan Francisco, United States$500.0MBusiness banking.
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Modern Treasury67FintechSan Francisco, United States$145.1MPayment operations software to automate money movement, tracking, and reconciliation for businesses.
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Square67FintechSan Francisco, United States$10.0MAn all-in-one financial services platform providing point-of-sale systems, payment processing, and business management tools.
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Mambu67FintechBerlin, Germany$443.8MThe composable, API-first cloud banking platform.
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StoneCo67FintechSão Paulo, Brazil$1.5BBrazilian fintech providing integrated financial and software solutions for merchants of all sizes.
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Paymentology67FintechLondon, United Kingdom$195.0MA leading global issuer-processor enabling businesses to issue and manage payment cards.
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Block66FintechSan Francisco, USA$10.0MFinancial services and digital payments company.
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Global Payments66FintechAtlanta, United States$607.0MA global fintech company providing payment technology and software solutions to merchants, issuers, and consumers.
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dLocal66FintechMontevideo, Malta$45.0MdLocal offers a robust payment processing solution designed for global enterprises to navigate cross-border transactions in emerging markets.
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Rho65FintechNew York, United States$344.9MFinancial operating system for startups and scale-ups with banking, cards, and treasury.
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Pagaya Investments65FintechNew York, United States$1.4BAI-powered network enabling financial institutions to expand customer access and scale lending.
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Augustus65FintechNew York, United States$210.0MAugustus is building the Global Dollar Bank, a modern clearing bank providing international financial institutions with direct, 24/7 access to US Dollar payment rails.
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Stax Payments64FintechOrlando, United States$245.0MIntegrated payment processing and recurring billing solutions for software platforms and businesses.
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Balance63FintechNew York, United States$86.5MFull-Stack AI Accounting for B2B payments and commerce.
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Juspay63FintechBengaluru, India$212.1MGlobal payments operating system for merchants, optimizing checkout and payment orchestration.
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Obligo63FintechNew York, United States$92.5MFintech platform that eliminates security deposits for renters and landlords using open banking.
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Clair63FintechNew York, United States$67.7MEmbedded earned wage access for employees, integrated with HR platforms.
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Prometeo63FintechMiami, United States$14.5MUnified API for bank data and payments across 10 Latin American countries.
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Contabilizei63FintechSão Paulo, Brazil$81.0MOnline accounting platform simplifying tax and financial processes for Brazilian SMEs.
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TransferMate Global Payments63FintechKilkenny, Ireland$91.0MGlobal payment infrastructure enabling embedded payments for businesses and partners.
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Branch International63FintechSan Francisco, United States$615.0MA digital banking app offering instant loans, savings, and payments for underserved populations.
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Alpaca63FintechNew York, United States$202.0MDeveloper-first API infrastructure for stock, options, and cryptocurrency trading.
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Spendesk63FintechParis, France$71.0MAll-in-one spend management platform for growing businesses.
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M-KOPA63FintechLondon, United Kingdom$325.0MFintech platform providing affordable smartphones and digital financial services to 'Every Day Earners' in Sub-Saharan Africa.
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Mesh Payments62FintechNew York, United States$123.0MModern corporate spend management platform for global enterprises, simplifying travel and expense.
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Ramp62FintechNew York City, United States$2.9BAI-powered financial operations platform for businesses, offering corporate cards, expense management, and bill payments.
Compare Afterpay head to head
Side by side on what each one does, what it costs, and what real users report.

