Affirm vs. Apple Pay

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Affirm
Score 8.4 out of 10
N/A
Affirm, headquartered in San Francisco, offers their dynamic payment system for ecommerce, supporting payments broken out into installments to accommodate shopper preference.N/A
Apple Pay
Score 9.3 out of 10
N/A
Apple Pay is a payment gateway the vendor states gives customers an easy, secure, and private way to pay in stores, within apps, on the web, and in Business Chat.N/A
Pricing
AffirmApple Pay
Editions & Modules
No answers on this topic
No answers on this topic
Offerings
Pricing Offerings
AffirmApple Pay
Free Trial
NoNo
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional Details
More Pricing Information
Community Pulse
AffirmApple Pay
Considered Both Products
Affirm
Chose Affirm
Shop Pay uses affirm but it's more integrated with Shopify. I recommend Shop Pay more if you are interested in using pay as you go. There's better integration at the checkout and they treat customers really well. I highly recommend moving over to Shop Pay if you already use …
Chose Affirm
We didn't see anything else out there that was as simple to use as Affirm. I don't know if there are other options out there, I bet there are, but we have had no need to look elsewhere because we are pleased with what we have. The whole process of implementation to getting …
Chose Affirm
We have not used any payment plans before, this was the first for the company.
Apple Pay
Chose Apple Pay
Google Pay covers all google users, but Apple Pay works better with iphone users.
Chose Apple Pay
Apple Pay is easier because you don't need to use the app to send or request payments. You can just store card information and use your electronic device to pay. In addition, receipts are automatically generated and stored for easy reimbursement. Venmo generally requires …
Chose Apple Pay
When I had my Android/Samsung phone, I tried Samsung's version of Apple Pay and it was terrible. It was very glitchy, and sometimes I would get a notification that I paid for something when I wasn't even in a checkout screen, like I was just browsing the internet or something …
Chose Apple Pay
Newer, less old framework to worry about. It has the Apple name with it and basically comes ready to use on their devices which is nice for the audience who will be using it.
Chose Apple Pay
Apple is easier to use less work to set up. Easy to integrate and use.
Chose Apple Pay
It's a universal payment platform at this point, and every Apple user can simply donate using the program. Other payment servers take time to set up and type in card numbers, whereas Apple Pay is set up and ready to go.
Chose Apple Pay
Our choice to use Apple Pay was made because of the fast and easy access to funds, it is largely accepted by most vendors and it is a knowingly secure platform for transactions. Making it a trusted and effective resource for our company to utilize. We also found the setup to be …
Chose Apple Pay
Apple Pay and Google Pay are very similar function-wise but vary significantly in design. We chose Apple Pay for its improved security over physical card transactions. Apple pay also provides a much simpler user interface for the customer when processing a transaction, unlike …
Chose Apple Pay
I've used Concur Travel and Expense in the past and I very much liked that expenses were automatically inputted into the Concur reimbursement system. However, when I've used Concur for work, I had a corresponding credit card without Apple Pay -- so I used the credit card …
Chose Apple Pay
More functionality within Apple Pay. Using multiple cards, accessing without opening phone.
Chose Apple Pay
Apple is still superior to other things there. I am not too familiar with android payment systems, so I can't compare that. But I also know our customers prefer PayPal Payments, which does make payments easy, but it isn't as seamless as Apple Pay. Apple Pay is still the best …
Features
AffirmApple Pay
Payment Gateways
Comparison of Payment Gateways features of Product A and Product B
Affirm
-
Ratings
Apple Pay
8.3
Ratings
13% above category average
Fraud Detection00 Ratings8.50 Ratings
API or SDK00 Ratings7.00 Ratings
Recurring Payment Support00 Ratings9.10 Ratings
Billing and Invoicing Support00 Ratings8.90 Ratings
Global Support00 Ratings7.60 Ratings
Payment Form Acceptance00 Ratings9.00 Ratings
Best Alternatives
AffirmApple Pay
Small Businesses
Square Invoices
Square Invoices
Score 9.2 out of 10
Thryv
Thryv
Score 8.7 out of 10
Medium-sized Companies
Apple Pay
Apple Pay
Score 9.3 out of 10
Checkout.com
Checkout.com
Score 8.5 out of 10
Enterprises
Checkout.com
Checkout.com
Score 8.5 out of 10
Checkout.com
Checkout.com
Score 8.5 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
AffirmApple Pay
Likelihood to Recommend
8.5
(0 ratings)
9.5
(0 ratings)
Likelihood to Renew
-
(0 ratings)
7.3
(0 ratings)
Usability
10.0
(0 ratings)
9.5
(0 ratings)
User Testimonials
AffirmApple Pay
Likelihood to Recommend
We use Affirm with a Woocommerce/Wordpress website and there is a plugin that integrates Affirm for us. We also use a payment method plugin that limits Affirms availability only to products that they support. Generally, we have had a good experience with integration and payments from Affirm to us are consistent and timely. People finance guitars, pedals, and amplifiers and it offers us a way to reach a customer base that may not otherwise purchase from us.
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If you accept payments while selling goods and services, Apple Pay can help you speed up the payment process while securely accepting payments. Since there is no need to stick a card into a machine, users won't have to fumble looking for a card when they can put their whole wallet on Apple Pay and check out easily.
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Pros
  • Customer support is always quick to respond.
  • The dashboard is very easy to navigate and has useful information.
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  • The double click which launches it couldn't be easier; you don't even have to open your phone and find the app.
  • It's pretty much fool proof from there, as just holding your phone near the reader is sufficient for success.
  • Haptic feedback ensures that I know the payment registered.
  • I have full faith and confidence that the transaction was executed securely.
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Cons
  • Fees could be lower.
  • Today there are a lot of other alternatives.
  • Needed some coding help.
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  • At times, my Apple Pay will pop up unintentionally. Perhaps there can be more safeguards around that.
  • Apple Pay is not super great if I need to make a return. For any return, I've found that paper receipts are superior.
  • Apple Pay sometimes requires very specific positioning when scanning the phone, which is frustrating.
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Likelihood to Renew
No answers on this topic
It's now a standard.
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Usability
Easy to use, simple to integrate, especially if you are using Shopify Plus. Putting everything live and active was easy. We did have to do some simple HTML/CSS to make everything look the way that we wanted it to, but that was very easy and something that we did in house. If you can do some simple style work, you won't have any issues at all.
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Love the simplicity, i think it's a good way of getting apple-lovers to purchase things from the palm of their hand
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Alternatives Considered
Shop Pay uses affirm but it's more integrated with Shopify. I recommend Shop Pay more if you are interested in using pay as you go. There's better integration at the checkout and they treat customers really well. I highly recommend moving over to Shop Pay if you already use Affirm.
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When I had my Android/Samsung phone, I tried Samsung's version of Apple Pay and it was terrible. It was very glitchy, and sometimes I would get a notification that I paid for something when I wasn't even in a checkout screen, like I was just browsing the internet or something and I'd get a notification! It was alarming and I quickly uninstalled the app and never used it again.
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Return on Investment
  • Well, since it cost us nothing to implement, and we did the customization to the look and felt in-house, we saw an immediate positive ROI. Orders starting happening within the first week of implementation and haven't stopped since. We don't get tons of orders from Affirm, but it is steady, and they are typically for several thousand dollars.
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  • Able to provide employees with digital company cards.
  • Convenient tracking of money spent.
  • Caring for others in our workplace and community through gifts and purchases.
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ScreenShots