Affirm alternatives for Shopify
Updated · How we collect this data
The most used Affirm alternative on Shopify is Klarna (116,156 stores). We rank 3 buy now, pay later tools by how many live Shopify stores run them, out of 144,256 installs we detect.
What are the best Affirm alternatives for Shopify stores?
Klarna is the most used Affirm alternative on Shopify, installed on 116,156 active stores, 80.5% of all buy now, pay later installs we detect. Afterpay follows with 25,246 stores (17.5%). For comparison, Affirm itself runs on 1,673 stores, 1.2% of the category. We rank alternatives by how many live Shopify stores actually use them (October 2026), measured across 144,256 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 (65.5% of stores) and Afterpay is strongest in New Zealand (25.9% of stores). Notable stores still on Affirm include DTLR, Aventon Bikes, Secretlab US.
Affirm alternatives ranked by number of Shopify stores
| # | Alternative | Stores | Share of category | Also use Affirm | Strongest market | |
|---|---|---|---|---|---|---|
| 1 | Klarna | 116,156 | 80.5% | 26.4% | Sweden (65.5%) | Compare |
| 2 | Afterpay | 25,246 | 17.5% | 23.8% | New Zealand (25.9%) | Compare |
| 3 | Shop Pay Installments | 1,181 | 0.8% | 1.3% | 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 116,156 active Shopify stores (15.5% of all stores we track), 80.5% of buy now, pay later installs. Its largest market is United Kingdom with 20,447 stores. 441 stores run it together with Affirm (26.4% of Affirm stores). It is installed on more stores than Affirm in United Kingdom (20,447 vs 26), Germany (19,083 vs 14), France (10,931 vs 12), Italy (10,230 vs 13). 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 25,246 active Shopify stores (3.4% of all stores we track), 17.5% of buy now, pay later installs. Its largest market is Australia with 8,798 stores. 398 stores run it together with Affirm (23.8% of Affirm stores). It is installed on more stores than Affirm in Australia (8,798 vs 13), United States (7,236 vs 1,281), New Zealand (2,337 vs 6), United Kingdom (1,737 vs 26). 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 1,181 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 732 stores. 22 stores run it together with Affirm (1.3% of Affirm stores). It is installed on more stores than Affirm in United Kingdom (99 vs 26), Australia (38 vs 13), Germany (24 vs 14), Netherlands (24 vs 6). 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.