🆚 Affirm vs. Stripe

Compare technologies based on real-world usage data *

📈 Stripe is much more popular than Affirm.
🌍 Stripe is more popular in all countries.

Affirm

Stripe

Type

Payment service

About

Affirm is a Buy Now, Pay Later (BNPL) financial services platform that lets consumers split online and in-store purchases into scheduled installments.

It offers interest-free four-payment splits, longer monthly terms with APRs up to 36 percent, and transparent pricing with no late or hidden fees.

Stripe is a payments processing platform that helps businesses accept online, mobile, and in-store payments with a single integration.

It supports over 135 currencies, enables direct bank debits and real-time payments, manages subscriptions with smart retry logic, includes machine learning–based fraud detection, and offers the Stripe Connect solution for marketplaces and platforms to route payouts in more than 45 countries.

Headquarters

San Francisco, California, United States

Website

affirm.com #1,615

stripe.com #1,004

Pricing

Transaction fees5.99% + $0.30

Payment processing, US accounts, per transactionDomestic cards2.9% + 30¢
Manually entered cards3.4% + 30¢
International cards4.4% + 30¢
Currency conversion1%

Payment processing, EU accounts, per transactionStandard EU cards1.5% + €0.25
Premium EU cards1.5% + €0.25
UK cards2.5% + €0.25
International cards3.25% + €0.25
Currency conversion2%

Post-payment invoices0.4% on transaction total, max $2

Identity$1.50/verification

Tax Basic0.5%/transaction

Tax Complete$1,080+/year

Custom domain$10/month