Affirm alternatives for Shopify
Updated · How we collect this data
The most used Affirm alternative on Shopify is Klarna (88,054 stores). We rank 3 buy now, pay later tools by how many live Shopify stores run them, out of 110,423 installs we detect.
What are the best Affirm alternatives for Shopify stores?
Klarna is the most used Affirm alternative on Shopify, installed on 88,054 active stores, 79.7% of all buy now, pay later installs we detect. Afterpay follows with 20,255 stores (18.3%). For comparison, Affirm itself runs on 1,184 stores, 1.1% of the category. We rank alternatives by how many live Shopify stores actually use them (October 2026), measured across 110,423 buy now, pay later installs, rather than by features or affiliate deals. Some of these tools are also used alongside Affirm, which the overlap column shows. Market leadership also varies by country: Klarna is strongest in Sweden (61.9% of stores) and Afterpay is strongest in New Zealand (25.2% of stores). Notable stores still on Affirm include DTLR, Aventon Bikes, Turbo Brands Factory.
Affirm alternatives ranked by number of Shopify stores
| # | Alternative | Stores | Share of category | Also use Affirm | Strongest market | |
|---|---|---|---|---|---|---|
| 1 | Klarna | 88,054 | 79.7% | 12.8% | Sweden (61.9%) | Compare |
| 2 | Afterpay | 20,255 | 18.3% | 8.9% | New Zealand (25.2%) | Compare |
| 3 | Shop Pay Installments | 930 | 0.8% | 1.5% | United States (0.3%) | Compare |
"Also use Affirm" = share of Affirm stores that run the alternative at the same time. "Strongest market" = country (100+ stores) with the highest adoption.
Klarna
Klarna runs on 88,054 active Shopify stores (14.3% of all stores we track), 79.7% of buy now, pay later installs. Its largest market is United Kingdom with 15,709 stores. 151 stores run it together with Affirm (12.8% of Affirm stores). It is installed on more stores than Affirm in United Kingdom (15,709 vs 9), Germany (14,391 vs 4), France (7,849 vs 1), Italy (7,778 vs 0). Stores using Klarna instead of Affirm include Pilgrim India, Fashion Nova, Fender, Gymshark US. See the top stores using Klarna or compare Affirm vs Klarna.
Afterpay
Afterpay runs on 20,255 active Shopify stores (3.3% of all stores we track), 18.3% of buy now, pay later installs. Its largest market is Australia with 7,199 stores. 105 stores run it together with Affirm (8.9% of Affirm stores). It is installed on more stores than Affirm in Australia (7,199 vs 5), United States (5,735 vs 1,029), New Zealand (1,952 vs 1), United Kingdom (1,420 vs 9). Stores using Afterpay instead of Affirm include Pilgrim India, Fashion Nova, JB Hi-Fi, Comfrt. See the top stores using Afterpay or compare Affirm vs Afterpay.
Shop Pay Installments
Shop Pay Installments runs on 930 active Shopify stores (0.2% of all stores we track), 0.8% of buy now, pay later installs. Its largest market is United States with 591 stores. 18 stores run it together with Affirm (1.5% of Affirm stores). It is installed on more stores than Affirm in United Kingdom (70 vs 9), Australia (29 vs 5), Germany (20 vs 4), Netherlands (19 vs 2). Stores using Shop Pay Installments instead of Affirm include Princess Polly, Skullcandy, REEF, Redragonshop. See the top stores using Shop Pay Installments or compare Affirm vs Shop Pay Installments.
Rankings count live Shopify stores where each tool is detected in homepage code, from our crawl of every Shopify store with real traffic. They measure adoption, not quality or price. Methodology.