🆚 Afterpay vs. Stripe

Compare technologies based on real-world usage data *

📈 Stripe is much more popular than Afterpay.
🌎 Stripe is more popular in the United States, the United Kingdom, and Australia.
🌍 Afterpay is more popular in New Zealand.

Afterpay

Stripe

Type

Payment service

About

Afterpay is a buy-now-pay-later (BNPL) payment service that lets shoppers split purchases into installment plans at checkout both online and in stores without interest if payments are made on time.

It offers "Pay in 4" plans generally over six weeks with automatic debit from a linked card, optional longer monthly plans for larger purchases, instant approval decisions without traditional credit checks, and app-based payment management with reminders.

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

Melbourne, Victoria, Australia

San Francisco, California, United States

Website

afterpay.com #5,536

stripe.com #1,004

Pricing

Transaction fees4-6% + $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