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Afterpay logo

Afterpay

BNPL Pioneer

One of the pioneers of buy now, pay later, now owned by Block (Square) and integrated with Cash App. Afterpay offers interest-free pay-in-4 installments and longer-term payment plans, available at thousands of retailers in the US, UK, Australia, and New Zealand. Popular for its consumer-friendly approach with no interest and no credit score impact.

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VS
Square logo

Square

Retail & Restaurants

An all-in-one commerce platform that combines payment processing with point-of-sale hardware and business management tools. Square is particularly popular with retail stores, restaurants, and service businesses that need integrated solutions for payments, inventory, and staff management. Their hardware ecosystem and free baseline tier make it accessible for small businesses to get started quickly.

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Detailed Comparison

Side-by-side feature breakdown

Fees
Afterpay

4-6% + $0.30

Square

2.6% + $0.10 (in-person), 2.9% + $0.30 (online)

Category
Afterpaytraditional
Squaretraditional
Available Regions
Afterpay
North AmericaEuropeOceania
Square
North AmericaEuropeAsiaOceania
Key Features
Afterpay
✓
Instant Payments
Square
✓
Instant Payments
✓
Startup Friendly
✓
Instant Sandbox
✓
Recurring Payments
SDKs & Libraries
Afterpay

6 Available

Square

7 Available

Payment Methods
Afterpay

6 Supported

Square

13 Supported

Common Ground

Shared Regions

North AmericaEuropeOceania

Shared Features

Instant Payments

View Afterpay Details

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View Square Details

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