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Komoju

Komoju

Japan & ASEAN E-Commerce Payments

VS

Affirm

Installment Loans

Affirm
Fees from
3.25%–4.5% + 0.25 BRL vs ~6% + $0.30
Features

1 shared

1 unique to Komoju
Regions

0 shared

2 unique to Komoju · 2 unique to Affirm
Pay methods

3 shared

24 unique to Komoju · 2 unique to Affirm
On fees

Komoju publishes 3.25%–4.5% + 0.25 BRL from. Affirm publishes ~6% + $0.30 from. Verify directly with each provider before signing.

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Show full specs
2 features · 29 payment methods · 4 regions. We don't rank these — they're here for reference.
Komoju Komoju
Affirm Affirm
Quick Facts
Fees
Standard transaction rate
3.25%–4.5% + 0.25 BRL
~6% + $0.30
Settlement
Time to receive funds
1–5 business days
1–3 business days
Founded
2016
2012
Headquarters
Tokyo, Japan
San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Komoju leads (2 vs 1)
Instant Payout Unique
✓
—
Recurring Payments
✓
✓
Payment Methods
Komoju leads (27 vs 5)
Affirm Unique
—
✓
Alipay Unique
✓
—
Amex Unique
✓
—
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer Unique
✓
—
Blik Unique
✓
—
Bnpl
✓
✓
Carrier Billing Unique
✓
—
Credit Card Unique
✓
—
Debit Card
✓
✓
Digital Wallet Unique
✓
—
Diners Unique
✓
—
Eps Unique
✓
—
Fpx Unique
✓
—
Gcash Unique
✓
—
Giropay Unique
✓
—
Hipercard Unique
✓
—
Ideal Unique
✓
—
Installments Unique
—
✓
Jcb Unique
✓
—
Line Pay Unique
✓
—
Mastercard Unique
✓
—
Multibanco Unique
✓
—
Pix Unique
✓
—
Sofort Unique
✓
—
Unionpay Unique
✓
—
Visa Unique
✓
—
Wechat Pay Unique
✓
—
Regions
Asia Unique
✓
—
Europe Unique
—
✓
North America Unique
—
✓
Southeast Asia Unique
✓
—

Komoju is best when you...

Japan & ASEAN E-Commerce Payments
Need Instant Payout
Not available with Affirm
Want coverage in Asia, Southeast Asia
Affirm doesn't cover these regions
View Komoju

Affirm is best when you...

Installment Loans
Want coverage in Europe, North America
Komoju doesn't cover these regions
View Affirm

Frequently Asked Questions

What is the difference between Komoju and Affirm?
They share 3 payment methods and 0 regions. Komoju adds Alipay, Amex, Bancontact and 21 more that Affirm does not list; Affirm adds Affirm, Installments that Komoju does not list; Komoju also covers Asia, Southeast Asia; Affirm also covers Europe, North America.
Which is cheaper, Komoju or Affirm?
Komoju has published rates from 3.25%–4.5% + 0.25 BRL; Affirm has published rates from ~6% + $0.30. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Komoju and Affirm?
Komoju lists 2 regions and 27 payment methods; Affirm lists 2 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Komoju and Affirm compare on integration and settlement?
both offer a sandbox; both support webhooks; Komoju settles in 1–5 business days, Affirm in 1–3 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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