Shop Pay Installments alternatives for Shopify
Updated · How we collect this data
The most used Shop Pay Installments 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 Shop Pay Installments alternatives for Shopify stores?
Klarna is the most used Shop Pay Installments 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, Shop Pay Installments itself runs on 930 stores, 0.8% 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 Shop Pay Installments, 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 Shop Pay Installments include Princess Polly, Skullcandy, REEF.
Shop Pay Installments alternatives ranked by number of Shopify stores
| # | Alternative | Stores | Share of category | Also use Shop Pay Installments | Strongest market | |
|---|---|---|---|---|---|---|
| 1 | Klarna | 88,054 | 79.7% | 16.2% | Sweden (61.9%) | Compare |
| 2 | Afterpay | 20,255 | 18.3% | 6% | New Zealand (25.2%) | Compare |
| 3 | Affirm | 1,184 | 1.1% | 1.9% | United States (0.6%) | Compare |
"Also use Shop Pay Installments" = share of Shop Pay Installments 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 Shop Pay Installments (16.2% of Shop Pay Installments stores). It is installed on more stores than Shop Pay Installments in United Kingdom (15,709 vs 70), Germany (14,391 vs 20), France (7,849 vs 12), Italy (7,778 vs 6). Stores using Klarna instead of Shop Pay Installments include Pilgrim India, Fashion Nova, Fender, Gymshark US. See the top stores using Klarna or compare Shop Pay Installments 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. 56 stores run it together with Shop Pay Installments (6% of Shop Pay Installments stores). It is installed on more stores than Shop Pay Installments in Australia (7,199 vs 29), United States (5,735 vs 591), New Zealand (1,952 vs 6), United Kingdom (1,420 vs 70). Stores using Afterpay instead of Shop Pay Installments include Pilgrim India, Fashion Nova, JB Hi-Fi, Comfrt. See the top stores using Afterpay or compare Shop Pay Installments vs Afterpay.
Affirm
Affirm runs on 1,184 active Shopify stores (0.2% of all stores we track), 1.1% of buy now, pay later installs. Its largest market is United States with 1,029 stores. 18 stores run it together with Shop Pay Installments (1.9% of Shop Pay Installments stores). It is installed on more stores than Shop Pay Installments in United States (1,029 vs 591), Canada (106 vs 48), Hong Kong SAR China (17 vs 5), China (2 vs 1). Stores using Affirm instead of Shop Pay Installments include DTLR, Aventon Bikes, Turbo Brands Factory, Secretlab US. See the top stores using Affirm or compare Shop Pay Installments vs Affirm.
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.