Commerce · alternatives · 2026

24 alternatives to Affirm

The future of credit, now on your homescreen.

Affirm is a financial service that allows users to split online purchases into monthly installment payments through a mobile app. The service provides real-time approval decisions and offers transparent pricing with no… Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Affirm launched in 2017; newer entries below may have overtaken it.

1. 1
   Apple Card▲536

   A new kind of credit card from Apple

   2019 · apple.com · its alternatives →

2. 2
   Stripe iOS SDK▲392

   Accept both Apple Pay and credit card payments easily on iOS

   2016 · stripe.com · its alternatives →

3. 3
   ACH payments with Stripe▲281

   Accept bank payments with a few lines of code.

   2016 · stripe.com · its alternatives →

4. 4
   Final▲454

   Never worry about fraud, breaches, or cancelled credit cards

   2014 · getfinal.com · its alternatives →

5. 5
   N26▲290

   The Mobile Bank

   2016 · n26.com · its alternatives →

6. 6
   Clarity Money▲360

   Lower bills, cancel accounts, create a savings account

   2017 · its alternatives →

7. 7
   Transactions for iOS▲87

   A unified inbox for all of your cards, with superpowers

   2022 · apps.apple.com · its alternatives →

8. 8
   Debitize▲160

   Credit card perks without credit card debt

   2016 · its alternatives →

9. 9
   Dapi▲187

   Accept zero fee instant payments

   2020 · its alternatives →

10. 10
    Finimize for iPhone▲248

    Financially savvy in minutes

    2018 · finimize.com · its alternatives →

11. 11
    SuperPay▲273

    Get paid faster with your own custom payments page

    2019 · superpayit.com · its alternatives →

12. 12
    Tally▲267

    Helping you pay and organize your credit cards

    2017 · lendingclub.com · its alternatives →

13. 13
    Stripe: Apple Pay▲188

    One-touch payment on iOS

    2014 · stripe.com · its alternatives →

14. 14
    Credit Chip▲92

    Decentralized Automated Payment Processor (DAPP) with AI

    2023 · mobilecredits.app · its alternatives →

15. 15
    Robinpay▲65

    Payment & loyalty app to eliminate the need for cards

    2021 · robinpayapp.com · its alternatives →

16. 16
    Coin 2.0▲170

    All your credit cards in one. Tap to pay.

    2015 · onlycoin.com · its alternatives →

17. 17
    Braavo Card▲83

    Cash on tap! On-demand capital to scale your mobile app.

    2020 · getbraavo.com · its alternatives →

18. 18
    Affirm▲11

    Pay over time for your purchases

    2015 · apps.apple.com · its alternatives →

19. 19
    Offset – Credit card powered by trust between people▲150

    2020 · offsetcredit.org · its alternatives →

20. 20
    Petal▲149

    A better way to start building credit — now available!

    2018 · petalcard.com · its alternatives →

21. 21
    Finch▲113

    The financial app for your social life

    2017 · finch.me · its alternatives →

22. 22
    ChargeStripe▲88

    Accept credit card payments from your mobile device.

    2019 · chargestripe.com · its alternatives →

23. 23
    The Eco App▲108

    One simple balance for saving, spending, and making money.

    2021 · eco.com · its alternatives →

24. 24
    ARKAD Wallet▲110

    Control your budget with voice

    Jul 2026 · arkadwallet.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →