Paythen is a better Afterpay alternative for many businesses

Here are some reasons why

Afterpay is limited to specific types of business, five countries and eligible customers from your country. Paythen is available in 40+ countries and your customers can be anywhere in the world.

For many businesses, Afterpay isn’t even an option. But if you can open a Stripe account, you can use Paythen. Afterpay is limited to merchants in certain industries and only five supported countries. Your customers must also be in the same country as you. It’s also not available if you’re in any of these industries – experiences, ticketing services, software, health, auto services, cleaning services, other personal services. A range of other business types including b2b goods, antiques, jewellery, and others require “conditional approval”. With Paythen, you can be up and running in under 5 minutes and offer payment plans to your customers anywhere in the world.


Afterpay wants needs your customers to start their next purchase at, not your site.

With the amount of money Afterpay spends on sales execs and advertising, their business model only makes sense with huge volumes. To drive this volume, as soon as your customer uses Afterpay on your site, they essentially become an Afterpay customer – all future communications, emails, branding etc is Afterpay’s, not yours. Customers are strongly encouraged and incentivized to start their next shop on or via the Afterpay app where your business is just one among hundreds and easily replaceable. Giving up this direct customer relationship weakens customer loyalty and future sales for you.


Afterpay forces you to absorb their fees. This is hostile towards merchants and significantly impacts your margins.

We completely disagree with this approach. This only benefits Afterpay, and helps them gain market share – at your expense. If you offer an additional payment option like installments for customers’ convenience, you should be able to pass on the cost if you’d like to. No one should force you to give up your profits, especially in today’s tough economic environment. With Paythen, you can choose to add a payment plan surcharge or similar to cover our, or even Stripe processing fees. Our fees are lower too – at 2% (plus Stripe payment processing fees) vs. Afterpay’s 6% + the fees applicable for customers (like late fees) and even interest on longer plans.


Paythen gives you way more flexibility and control
over how you structure your payment plan

Afterpay only allows 8 fortnightly repayments (and for some US customers, longer installments with interest). With Paythen, you can set weekly, fortnightly, monthly, custom or even date-based billing intervals to suit your business. With Paythen, you decide how you get paid – and can set up as many different plans as you need. There are even more granular options you can customize in Paythen – payment plan terms, custom fields, incentives to pay upfront, incentives to repay early, discount codes, gift cards, and more. And importantly, it’s your business, brand, color and logo front and center on all customer pages and emails – not ours.

Try it out with a fee-free 7 day trial.

Monthly repayments

Weekly repayments

Custom repayments

Instant no-code setup

Payment links that work anywhere

Offer discount codes, gift cards

No limit on order value

8 fortnightly repayments

Weekly repayments

Custom repayments

Requires development help

Only works on ecommerce sites

No discount codes or gift cards

Limited to ~$1,300 in most countries

Paythen is better value than Afterpay and has no fixed fees. We get paid only when you do.

Paythen has a fee-free 7 day trial, then a low 2% per transaction fee. That’s it. You also pay a separate payment processor fee for Stripe. With Afterpay, the fees starting with a whopping 6%+ transaction fee from you, as well as late and other fees from customers (even interest for longer plans). 
Paythen has no fixed or sneaky fees.

Paythen talks to all your other systems. Afterpay doesn’t – making it harder to see the big picture.

Need a slack notification when you have a new payment plan? Easy. Want to send new customer data into your CRM? Also easy. Paythen has an easy Zapier integration that lets you send dynamic payment plan links to customers via email, or send any data from Paythen into your other systems – whether it’s your CRM, comms tool, Google sheets, or whatever else you use in your business, if it’s on Zapier, you can send Paythen customer data to it. This ensures your payment plan system and customer data fits in with your existing business, minimizing any additional admin.


Afterpay can be a better option for some businesses. Paythen is better for many others.

If your business is eligible for Afterpay and you’re in an eligible country with customers only from that country, and your margins allow it, Afterpay can be a good option for you. Specially if what you sell falls into the sub $1,000 ecommerce or physical retail category. Since Afterpay is a BNPL service and you get paid immediately, and if their fees work with your margins, that can be a better fit.

Paythen is a much better fit for businesses selling services, experiences, events, courses, coaching, consulting, travel, high value retail, made to order retail, and more. Since Paythen is not a BNPL service, and you get paid as your customers pay you, it is more suited to businesses that can align their payment plans with ongoing service delivery or where customers are willing to pay all/most of their plan before they get the product or service.

It’s easy to see if Paythen is right for you.

Create your free account 7 day and try it out – it takes only about three minutes to get started.


Better design and a better customer experience

This is subjective, but we believe Paythen delivers a better designed and more thoughtful experience for your customers during and after the initial purchase. With Paythen, in addition to beautifully designed payment pages with your logo and branding, each customer also gets their own unique and secure customer page that they can access anytime – no logins or accounts needed. They can use this to update their billing information, get receipts and repay early.

Every email they get from Paythen is designed to work perfectly on all devices and screen sizes and includes your logo, not ours. From the time customers sign up for a payment plan till they finish, they get a world-class experience, delivered by Paythen, on your behalf and with your branding.


Afterpay works with ecommerce sites. Paythen works everywhere – no website needed.

Paythen’s simple but powerful payment links work everywhere – without even needing a website. You configure a plan and share the link for your customers to pay. You can add links to your bio, Linktree, or share directly in Messenger, Whatsapp and more. Of course, you can also integrate Paythen into your site with our customizable embed buttons, WooCommerce plugin, or Shopify workflow.

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  • 1. Does Paythen work with WooCommerce?

    Yes it does. The Paythen WooCommerce plugin is now available for all Paythen users. Read more about our WooCommerce functionality here. If you're interested in using the WooCommerce plugin, just create your free Paythen account, switch ON the WooCommerce integration, and install our WordPress plugin. Here's a step by step guide.

    The current version of the Paythen WooCommerce plugin will let you offer a Payment Plan option on the checkout page. You will have defined some parameters of the payment plan beforehand. Here's an overview:

    1. You install our WooCommerce plugin and configure a few options
    2. On the checkout page, your customers will see a new payment plan option
    3. They will place the order and be taken to the Paythen plan page to complete payment. Your WooCommerce order status will be "On-hold" while they complete payment.
    4. Once they have successfully signed up to the payment plan, they'll be brought back to the WooCommerce order confirmation page and the order status will change to "Processing".
    5. Customers will get an email from Paythen with their payment plan details and dates, in addition to any emails you have configured in WooCommerce
    6. You can see their payment plan and information in the Paythen dashboard
    7. Your customers will be automatically charged for each future payment

    Start your 7 day free Paythen trial to see if it's right for you.

  • 2. Is Paythen a buy now, pay later service? How is it different?

    No. Paythen is not a buy now pay later credit service like AfterPay. We use AfterPay as an example below, but the points below apply to most buy now, pay later services like Klarna, Affirm and many others.

    Once you create a plan in Paythen, your customers get to choose to pay the full amount immediately or via a payment plan that you've defined. Both options require your customers to use their credit or debit card to pay. This means 100% of your customers can choose a payment plan option instead of only those that get approved for credit.

    • AfterPay is a credit service. With Paythen, your customers can get get a payment plan, but they can use their existing credit or debit card to do so.
    • AfterPay is like a mini-loan, with Paythen, there is no credit provided – this is not only more responsible, but also more flexible and better. Your customers get to choose how they want to pay, and which payment method they want to use, while you pay lower fees and deliver a better customer experience.
    • AfterPay has a fixed 8 week repayment period. This is rigid, and can still be very high for high value items. With Paythen, you can set the payment plan interval to whatever you want – weekly, monthly, fortnightly, or any other custom interval – and you also choose how long it goes for.
    • AfterPay takes away your direct relationship with your customer – and build their brand, instead of yours. With Paythen, there is little to no Paythen branding involved – we just give you the mechanism to offer split payments, while giving you the reporting and flexibility you need.
    • AfterPay takes away a big chunk of your profit margin with each transaction. With Paythen, you get to decide – you pay a low 2% per transaction with no monthly or other fees. You do pay the payment processing fee to Stripe, which is the payment processor.
    • Paythen is a complete billing and payment system that gives you ease of use, reporting and insights and important features for your customers whereas AfterPay and others are just credit providers.
    • Paythen is built on top of Stripe – the world's most popular (and in our opinion, the best) online payment processor. This means from day one, you can accept payments in hundreds of currencies.

    We go into more depth on the comparison as well as the pros and cons of BNPL vs Paythen in this article.

  • 3. What does Paythen cost?

    Paythen has no fees for the first 7 days during your free trial. After this, Paythen is just a low 2% per transaction. There are no other fees or charges. We get paid only when you do!

    As with all billing systems, Paythen's fees are separate to Stripe fees.

Should I choose Paythen or Afterpay?

The only way to find out whether Paythen or Afterpay is more suitable for your business is to try them. We’re biased but we believe Paythen is a better solution for many businesses that want to offer payment plans. It is more flexible, designed for small and medium sized businesses, requires no technical setup and typically takes about 3 minutes to set up. It also comes with fast, friendly customer service
and a  7 day fee-free trial you can start now.


Paythen is a better Afterpay alternative for many businesses

See if it works for you with a fee-free 7 day trial.
We’ll ask you to connect your Stripe account or create a new one once you sign up. Paythen works with Stripe.

Easy payment plans

Offer your customers a flexible payment plan set by you, to increase conversions and sales.

Easy payment links

An easy to share payment link that works on any website and any device - matching your brand.

Flexible plan types

Offer payment plans, pay your way plans where customers can choose, subscriptions or one-off payments.

Automated reminders & emails

We automatically send handy reminders before payments & follow-ups if a payment fails.

Change payment info easily

Your customers can change their card info anytime they want, with zero time spent by your team.

Integrate with other apps

Send Paythen data to over 6,000 other apps with our Zapier integration.

Discover more features, check out these examples or see our FAQs