Affirm vs Afterpay:
Compare BNPL Providers
at a Glance
Researching BNPL solutions like Affirm vs Afterpay?
Make sure you’re comparing apples with apples.
When researching BNPL alternatives, you should first decide if you want to offer white-labeled BNPL or go the direct-to-consumer route.
White-Label BNPL Facilitators
- Enable banks and lenders to easily deploy their own loan programs white-labeled in their brand.
- Different white-label BNPL providers support different components and use cases.
- Benefits: Retain customer relationship and data, strengthen brand.
Direct-to-Consumer Providers
- Direct-to-consumer BNPL companies provide financing directly to consumers.
- Merchant risks diluting their brand and losing control over customer relationships and data.
- Benefits: Access to a large pool of customers.
What should you consider when choosing a BNPL provider?
When comparing Affirm vs Afterpay, you can cover all your bases by also assessing white-labeled BNPL providers like Jifiti.
Compare BNPL Providers: Affirm vs Afterpay vs Jifiti
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| White-labeled | ✔ | ||
| Multi-lender | ✔ | ||
| Merchant owns data | ✔ | ||
| Multi-channel | ✔ | ✔ | ✔ |
| Global | ✔ | ||
| Easy to integrate | ✔ | ✔ | ✔ |
| Enables regulated financial entities to offer BNPL | ✔ | ||
| Customer support | ✔ | ✔ | ✔ |
| Multiple loan programs | ✔ | ✔ |
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| White-labeled | ✔ | ||
| Multi-lender | ✔ | ||
| Merchant owns data | ✔ | ||
| Multi-channel | ✔ | ✔ | ✔ |
| Global | ✔ | ||
| Easy to integrate | ✔ | ✔ | ✔ |
| Enables regulated financial entities to offer BNPL | ✔ | ||
| Customer support | ✔ | ✔ | ✔ |
| Multiple loan programs | ✔ | ✔ |
Want to compare Affirm to Jifiti?
Want to compare Afterpay to Jifiti?
Key Takeaways
BNPL is not one-size-fits-all: choose a provider based on your goals.
Affirm and Afterpay are direct-to-consumer BNPL providers.
With a white-labeled BNPL provider like Jifiti, you own the customer relationship.
Frequently Asked Questions
What is the main benefit of white-labeled BNPL?
With a white-labeled BNPL solution, the merchant retains full customer and data ownership and runs no risk of brand dilution.
Can I offer a BNPL solution from my own bank?
Some merchants prefer to work with their existing bank or choose their own lender when implementing a BNPL solution. With Jifiti’s BNPL platform, you can offer BNPL programs from any lender of your choice, or select one of the banks or lenders in our existing network.
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ABOUT US
Jifiti is transforming point-of-sale financing with cutting-edge technology, data and BNPL solutions.
Our white-labeled Buy Now Pay Later platform powers any bank loan program at any POS - bridging the gap between retailers, lenders, and consumers.
We offer retailers zero-integration POS financing, split pay and end-to-end retail gifting solutions.
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