The 50 Best Affirm Alternatives for 2022

The 50 Best Affirm Alternatives for 2022

Financial products.

If you're looking for an alternative to Affirm, here are the most popular Affirm alternatives used by real founders:

1. Paypal

A fast, safe way to send money, make an online payment, receive money or set up a merchant account.

Additional details about Paypal:

Businesses using Paypal:

647 successful businesses are using Paypal ➜

2. Stripe

Online payment processing for internet businesses.

Additional details about Stripe:

Businesses using Stripe:

499 successful businesses are using Stripe ➜

3. Shopify Payments

Easily accept Visa, Mastercard, American Express, and Discover credit cards on the go, or in your retail store.

Additional details about Shopify Payments:

Businesses using Shopify Payments:

248 successful businesses are using Shopify Payments ➜

4. Square

Get paid faster with Square.

Additional details about Square:

Businesses using Square:

157 successful businesses are using Square ➜

5. Amazon Payments

Accept online and mobile payments on your ecommerce site securely.

Additional details about Amazon Payments:

Businesses using Amazon Payments:

151 successful businesses are using Amazon Payments ➜

6. Apple Pay

Apple Pay offers an easy, secure, and private way to pay on Apple devices.

Additional details about Apple Pay:

Businesses using Apple Pay:

134 successful businesses are using Apple Pay ➜

7. Venmo

Accept payments with a mobile app.

Additional details about Venmo:

Businesses using Venmo:

105 successful businesses are using Venmo ➜

8. TransferWise

Transfer money abroad easily and quickly with our low cost money transfers.

Additional details about TransferWise:

Businesses using TransferWise:

64 successful businesses are using TransferWise ➜

9. Bill.com

Accounts payable and receivables solutions.

Additional details about Bill.com:

Businesses using Bill.com:

37 successful businesses are using Bill.com ➜

10. ReCharge

Payments sync to Shopify Orders. Orders are updated so you can fulfill them directly from Shopify.

Additional details about ReCharge:

Businesses using ReCharge:

35 successful businesses are using ReCharge ➜

11. Squareup

A point-of-sale (POS) application designed to provide businesses with a reliable and fast POS system. It enables you to take payments using your iOS or Android devices and can be implemented on the counter or on-the-go.

More About Squareup

Accept every way your customers want to pay with Square Payments. Get a free magstripe reader to swipe credit cards anywhere. Take chip cards and NFC payments with Square Reader for contactless and chip. With Squares credit card processing, you can accept all major cards and get deposits as fast as the next business day. We offer chargeback protection, fraud detection, account takeover protection, and more, so you can focus on your customers. Its free to sign up and fast to get set up.

Additional details about Squareup:

Businesses using Squareup:

29 successful businesses are using Squareup ➜

12. Afterpay

Shop now, pay later for fashion, beauty, accessories and more.

Additional details about Afterpay:

Businesses using Afterpay:

27 successful businesses are using Afterpay ➜

13. Authorize.net

Payment processing and payment management services to help businesses accept credit card and e-check payments online.

Additional details about Authorize.net:

Businesses using Authorize.net:

26 successful businesses are using Authorize.net ➜

14. Wave

Provides a suite of financial services and online software for small businesses.

Additional details about Wave:

Businesses using Wave:

25 successful businesses are using Wave ➜

15. Braintree

Process payments online, including credit cards, debit cards, digital wallets, PayPal, Venmo, Apple Pay, and Google Pay in a single integration.

Additional details about Braintree:

Businesses using Braintree:

23 successful businesses are using Braintree ➜

16. Payment Gateway

With our cloud-based payment gateway your customers can pay with Bitcoin, Bitcoin Cash, Litecoin, Dash, ETH, and EOS

More About Payment Gateway

With our cloud-based payment gateway your customers can pay with Bitcoin, Bitcoin Cash, Litecoin, Dash, ETH, and EOS.

Additional details about Payment Gateway:

Businesses using Payment Gateway:

16 successful businesses are using Payment Gateway ➜

17. Paddle

Paddle is the subscription and commerce platform for SaaS and software businesses.

Additional details about Paddle:

Businesses using Paddle:

15 successful businesses are using Paddle ➜

18. Zelle

A fast and free* way to send and receive money with the people you know and trust.

Additional details about Zelle:

Businesses using Zelle:

12 successful businesses are using Zelle ➜

19. Klarna

Complete your online purchase in the way that suits you best.

Additional details about Klarna:

Businesses using Klarna:

11 successful businesses are using Klarna ➜

20. Razorpay

A payment gateway for India with developer friendly API, easy integration and transparent pricing.

More About Razorpay

Online, digital payment processing to help make your business simpler to manage.

Additional details about Razorpay:

Businesses using Razorpay:

12 successful businesses are using Razorpay ➜

21. Chargebee

Subscription management platform with end-to-end recurring billing for subscription businesses.

Additional details about Chargebee:

Businesses using Chargebee:

11 successful businesses are using Chargebee ➜

22. Payoneer

A financial services company that provides online money transfer, digital payment services and provides customers with working capital.

Additional details about Payoneer:

Businesses using Payoneer:

7 successful businesses are using Payoneer ➜

23. Gocardless

Easy way to collect direct debit.

Additional details about Gocardless:

Businesses using Gocardless:

5 successful businesses are using Gocardless ➜

24. 2Checkout

The leading all-in-one monetization platform that allows businesses to quickly expand internationally and optimize recurring revenue streams across channels, by simplifying the back-end complexities that modern digital commerce creates.

Additional details about 2Checkout:

Businesses using 2Checkout:

5 successful businesses are using 2Checkout ➜

25. Xoom

A PayPal Service is an electronic funds transfer or remittance provider that allows consumers to send money, pay bills and reload mobile phones from the United States and Canada to 131 countries.

Additional details about Xoom:

Businesses using Xoom:

4 successful businesses are using Xoom ➜

26. Recurly

Provides enterprise-class subscription billing management for thousands of businesses worldwide.

More About Recurly

Recurly is a secure, PCI-compliant, all-in-one platform that streamlines and simplifies subscription management & recurring billing for Mid-Market/Enterprise businesses. Integrating with 16+ gateways, a plethora of technologySalesforce, Zendesk, Netsuite, Avalar, Xero, etc.and supporting multiple payment methodsincluding PayPal, Wallet, ApplePay, Recurly works seamlessly with how you do business. Grow revenue, recover and industry-leading 70% of failed transactions, and increase efficiency.

Additional details about Recurly:

Businesses using Recurly:

4 successful businesses are using Recurly ➜

27. Quadpay

An alternative payment provider that allows brands to give their customers the opportunity to split their purchases into 4 interest-free, automatic installments.

More About Quadpay

Receive payments upfront, while allowing shoppers to pay over 4 simple installments.

Additional details about Quadpay:

Businesses using Quadpay:

4 successful businesses are using Quadpay ➜

28. Bitpay

A crypto-debit card which allows its users to use their bitcoin reserves to make payments at any brick-and-mortar outlets wherever major credit cards are accepted.

Additional details about Bitpay:

Businesses using Bitpay:

4 successful businesses are using Bitpay ➜

29. Book Like A Boss

A free appointment scheduling software with Payment & Calendar scheduling app Integrations.

Additional details about Book Like A Boss:

Businesses using Book Like A Boss:

3 successful businesses are using Book Like A Boss ➜

30. zip

Using your account and credit line, you can make purchases which you then pay back in regular installments.

Additional details about zip:

Businesses using zip:

4 successful businesses are using zip ➜

31. Revenuecat

Is a powerful, secure, reliable, and free to use in-app purchase server with support for Apple, Google, and Stripe payments.

Additional details about Revenuecat:

Businesses using Revenuecat:

3 successful businesses are using Revenuecat ➜

32. Signifyd

Chargeback protection.

Additional details about Signifyd:

Businesses using Signifyd:

3 successful businesses are using Signifyd ➜

33. Ko-fi

The friendly way for fans to support your work for the price of a coffee.

Additional details about Ko-fi:

Businesses using Ko-fi:

3 successful businesses are using Ko-fi ➜

34. Veem

An online payment service provider.

Additional details about Veem:

Businesses using Veem:

3 successful businesses are using Veem ➜

35. Paywhirl

Makes it easy to create and manage recurring payment plans online. It removes the hard work necessary to code all the pages that allow your customers to sign-up for subscriptions, make payments, create customer accounts and manage their own customer data.

Additional details about Paywhirl:

Businesses using Paywhirl:

2 successful businesses are using Paywhirl ➜

36. HoneyBook

HoneyBook is a cloud-based customer relationship management (CRM) solution designed for small businesses. The solution helps users manage business processes from inquiry through to invoicing. HoneyBook lets users manage projects, book clients, sign contracts online, send invoices and handle payments.

More About HoneyBook

HoneyBook helps creative entrepreneurs and freelancers book more clients, manage projects, and get paid all in one place. With our business management software, you can automate your busy work and stay on top of all your to-dos, saving time and money so you can grow your business. It's like your own personal assistant. Small business owners and freelancers have tripled their bookings and saved multiple hours a day using HoneyBook tools.$1/month for 6 months with code "ALLINONE" :)

HoneyBook features task management that lets users view and track various stages of a project. Users can keep invoices, contracts, and other documents in one place. Also, users can respond to clients with automated appointment requests and follow-ups using personalized templates and notifications. In addition, automated payment reminders can be sent and task reminders can be created based on the projects.

HoneyBook integrates with tools such as QuickBooks, Calendly, Zapier, Gmail, and Google Calendar.

HoneyBook provides its services on a monthly subscription basis. The solution offers a mobile application for Android as well as iOS users and support is provided via email, and online help center, a community forum, and over the phone.

End-to-end project tracking keeps you in total control.

Branded templates simplify all client communication.

Invoicing, contracts, payments, and more, all in one place.

Integrations that make your life easier

HoneyBook works with the tools you already use, so you can work more efficiently than ever.

Pricing Details

Starter Plan: $9 per month, no annual billing option.

Unlimited Plan: $39 per month

Billed annually at $390 (a $78/year savings!)

Additional details about HoneyBook:

Businesses using HoneyBook:

2 successful businesses are using HoneyBook ➜

37. Laybuy

An approved payment gateway.

Additional details about Laybuy:

Businesses using Laybuy:

2 successful businesses are using Laybuy ➜

38. Clover

Customized point of sale devices that make running your business easier & accepting payments from customers seamless.

Additional details about Clover:

Businesses using Clover:

2 successful businesses are using Clover ➜

39. Track1099

Allows tax pro or CPA firm users to create a team with as many colleagues as needed at no extra cost. Other features include a bulk TIN match file that users may upload to the IRS for free.

Additional details about Track1099:

Businesses using Track1099:

1 successful business is using Track1099 ➜

40. Uphold

Instant and secure international payments

More About Uphold

Instant and secure international payments.

Additional details about Uphold:

Businesses using Uphold:

1 successful business is using Uphold ➜

41. Helcim

Helcim is a payments company that lets businesses accept credit cards with ease and affordability

More About Helcim

Helcim is a payments company that lets businesses accept credit cards with ease and affordability.

Additional details about Helcim:

Businesses using Helcim:

1 successful business is using Helcim ➜

42. Flywire

The Leading Provider of International Payment solutions for the Education Industry.

Additional details about Flywire:

Businesses using Flywire:

1 successful business is using Flywire ➜

43. Payment Rails

Simplifying global payouts for online marketplaces, share economy, crowdsourcing platforms, app stores, affiliate platforms, and many more.

Additional details about Payment Rails:

Businesses using Payment Rails:

1 successful business is using Payment Rails ➜

44. ViaBill

A payment solution for purchases of up to 2.000 kr. ViaBill enables you to “buy now and pay later” in four equal monthly installments, interest-free.

Additional details about ViaBill:

Businesses using ViaBill:

1 successful business is using ViaBill ➜

45. Payment Express

PCI compliant payment gateway for merchants worldwide accepting credit & debit cards in retail, online, call centre, OPT/UPT & vending environments.

Additional details about Payment Express:

Businesses using Payment Express:

1 successful business is using Payment Express ➜

46. Kickpay

Data driven inventory financing for hardware companies.

Additional details about Kickpay:

Businesses using Kickpay:

1 successful business is using Kickpay ➜

47. Emburse

A provider of expense management and accounts payable automation solutions.

Additional details about Emburse:

Businesses using Emburse:

1 successful business is using Emburse ➜

48. Spreedly

PCI compliance solution that helps businesses store transaction information, capture card data, tokenize payment details, and more

More About Spreedly

PCI compliance solution that helps businesses store transaction information, capture card data, tokenize payment details, and more.

Additional details about Spreedly:

Businesses using Spreedly:

1 successful business is using Spreedly ➜

49. Skrill

An e-commerce business that allows payments and money transfers to be made through the Internet, with a focus on low-cost international money transfers.

Additional details about Skrill:

Businesses using Skrill:

1 successful business is using Skrill ➜

50. Payment Work Suite

A new high-performance payment platform whose deep, multi-layer security provides peace of mind to customers.

Additional details about Payment Work Suite:

Businesses using Payment Work Suite:

1 successful business is using Payment Work Suite ➜

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