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Shift4

Shift4

Hospitality & Retail

VS

Afterpay

BNPL Pioneer

Afterpay
Fees from
0.05% + $0.03 above interchange vs Custom
Features

2 shared

1 unique to Afterpay
Regions

2 shared

1 unique to Afterpay
Pay methods

3 shared

6 unique to Shift4 · 4 unique to Afterpay

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Show full specs
3 features · 13 payment methods · 3 regions. We don't rank these — they're here for reference.
Shift4 Shift4
Afterpay Afterpay
Quick Facts
Fees
Standard transaction rate
0.05% + $0.03 above interchange
Custom
Settlement
Time to receive funds
1–2 business days
1–5 business days
Founded
1999
2014
Headquarters
Allentown, Pennsylvania
Melbourne, Australia
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Afterpay leads (3 vs 2)
Instant Payout
✓
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
Shift4 leads (9 vs 7)
Afterpay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
✓
—
Bnpl Unique
—
✓
Digital Wallet Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Gift Card Unique
✓
—
Google Pay Unique
✓
—
Installments Unique
—
✓
Jcb Unique
✓
—
Mastercard
✓
✓
Visa
✓
✓
Regions
Afterpay leads (3 vs 2)
Europe
✓
✓
North America
✓
✓
Oceania Unique
—
✓

Shift4 is best when you...

Hospitality & Retail
View Shift4

Afterpay is best when you...

BNPL Pioneer
Need Recurring Payments
Not available with Shift4
Want coverage in Oceania
Shift4 doesn't cover this region
View Afterpay

Frequently Asked Questions

What is the difference between Shift4 and Afterpay?
They share 3 payment methods and 2 regions. Shift4 adds Apple Pay, Diners Club, Discover and 3 more that Afterpay does not list; Afterpay adds Afterpay, Buy Now Pay Later, Digital Wallet and 1 more that Shift4 does not list; Afterpay also covers Oceania; only Afterpay offers Recurring Payments.
Which is cheaper, Shift4 or Afterpay?
Shift4 has published rates from 0.05% + $0.03 above interchange; Afterpay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Shift4 and Afterpay?
Shift4 lists 2 regions and 9 payment methods; Afterpay lists 3 and 7. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Shift4 and Afterpay compare on integration and settlement?
both offer a sandbox; both support webhooks; Shift4 settles in 1–2 business days, Afterpay in 1–5 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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