Afterpay vs Jifiti:

Compare BNPL Providers at a Glance

If you’re looking into alternatives to Afterpay, you’ll want to compare apples with apples.

BNPL isn’t a one-size-fits-all and there are many types of BNPL companies in the market.

Who is Afterpay?

Afterpay is a direct-to-consumer (D2C) Buy Now Pay Later fintech company.

Who is Jifiti?

Jifiti is a global white-labeled BNPL facilitator that powers point-of-sale financing for banks, lenders and merchants.

How Does Afterpay Compare to Jifiti?

Afterpay vs Klarna
Easy to integrate
(online, in-store)
Enables regulated financial entities to offer BNPL
Reporting dashboard
Multiple loan programs

What should I consider when weighing up Afterpay alternatives?

As a direct-to-consumer BNPL provider, Afterpay engages directly with consumers.
This means that a retailer’s customers are exposed to other brands during their user journey. A merchant thereby risks sacrificing their customer relationship to a third-party provider and diluting their brand.

With Jifiti, the BNPL solution is white-labeled so the merchant retains full ownership of the customer relationship throughout the buyer life cycle.

As a retailer, the more customers that get approved for BNPL, the higher your sales and customer retention rate will be.
The best way to increase customer approval rates is through a multi-lender BNPL platform.

How does it work?

Jifiti BNPL platform is multi-lender with the waterfall model.

What does this mean?

If a customer is not approved by the tier-1 lender, then the application will be passed to a quality secondary lender. The result: higher chance of approval for the customer.

Multi-lender BNPL boosts the retail brand as well as sales and AOV, as the customer will associate your brand with a positive financing experience.

With a direct-to-consumer BNPL solution, like that of Afterpay, you land up sharing your customers’ data with the BNPL provider.
If you prefer to retain full data ownership, you could choose a white-labeled BNPL solution, which gives the merchant full control over and ownership of customer data.

It’s important to give customers a unified user experience across all buying channels, including online, in-store, telephonically and via mobile.
The BNPL customer journey needs to seamlessly integrate into all buyer channels. Both Afterpay and Jifiti support multi-channel customer journeys with a unified user experience.

Global retailers need a global BNPL provider to make sure that their customers experience a unified user experience in any international market.
Some BNPL providers operate in single geography while others operate in multiple markets.

Jifiti is currently one of the few BNPL providers that offer global BNPL services, with local implementation in any geographic market.

One of the most important considerations when choosing your BNPL provider should be the integration options.
It should be quick and easy to integrate with a BNPL platform. Both Afterpay and Jifiti provide easy integration options.

Jifiti’s integration options range from zero-integration virtual card technology to easy API integration.

Jifiti facilitates BNPL programs for regulated banks and financial institutions.

Afterpay and Jifiti both provide customer support to their partners.
Jifiti provides full technical, product, sales and customer support as part of its end-to-end BNPL solution.

Jifiti powers every BNPL program including installment loans, lines of credit, split payments (e.g. pay-in-4, pay-in-3) and lease-to-own.
Afterpay currently only provides pay-in-4 financing.

Want to compare Jifiti to Affirm?

Want to compare Jifiti to Klarna?

The BNPL Provider Landscape: Afterpay vs Jifiti

Functionality Comparison

Financing Comparison

Want the guide to assessing BNPL vendors?

Key Takeaways


Types of BNPL providers

  • Direct-to-consumer (D2C)
  • White-labeled BNPL facilitators


Afterpay vs Jifiti

  • Afterpay is a D2C BNPL provider
  • Jifiti facilitates white-labeled BNPL solutions.


Most important considerations

  • Who owns the customer relationship?
  • Is it a multi-lender solution?
  • Financing from regulated entities?

Frequently Asked Questions

  • There are many different types of alternatives to Afterpay – some are direct-to-consumer BNPL companies like Afterpay, while others are white-labeled BNPL facilitators like Jifiti. Take a look at our full BNPL provider comparison table to compare all the major BNPL providers.
  • When you offer BNPL through Afterpay, you can increase sales and AOV by enabling customers to split their payments into installments. On the downside, you are sacrificing your customer ownership and data to a third-party provider.

Jifiti is trusted by the world’s biggest banks and retail brands

Why Jifiti


Multi-lender network with waterfall means higher customer acceptance rates


Fully-branded experience from application through to payment

Quick time to market

Zero to minimal integration required with your POS or ecommerce platform

BNPL at bank rates

BNPL from leading banks and lenders means more affordable rates

Global Facilitation

Plug-and-play backend connects to any lender

Multiple Loan Programs

Supports installment product, line of credit and pay by 3/4