Comparison

Afterpay vs MyPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Afterpay

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Highlights
  • Split purchases into 4 payments
  • Monthly payment options available
  • Discover exclusive deals and brands
  • Shop in-store with tap-to-pay
  • Manage payments and orders
  • Unlock spending power
  • Gift card purchases
Features
Currently charting
Read full description

Buy now, pay later with Afterpay. Shop your favorite brands online, in-store, or in the app. Access exclusive deals by shopping in the Afterpay app. Get what you want now, and pay over time. Choose to pay in 4* generally over the course of 6 weeks, or up to 24 months**. With Afterpay you can discover and shop new brands and products, and get exclusive discount shopping. Buy now from fashion, beauty, home, toys, tech, and more. With over 700k five-star reviews, Afterpay is the app you need to split payments. Shop now when you download Afterpay. Access in-store or online shopping with your pre-approved spending limit and pay in 4 for your favorite products. AFTERPAY FEATURES: PAY IN 4 - Shop now and split your purchase to pay in 4 payments. - Split payments and pay generally over the course of 6 weeks. PAY MONTHLY - Discount shopping with Afterpay allows for payment flexibility with monthly payments on eligible orders at participating brands. - Buy now and pick the plan that works for you. Split payments in 3, 6, 12, or 24 months, depending on your order amount and merchant availability. SHOP NOW AND DISCOVER MORE IN THE APP - Discover even more app-exclusive brands in fashion, tech, travel, and more only in the app. - Explore curated round-ups and gift guides from our editors. GIFT IT WITH AFTERPAY - Gift even easier with gift cards from hundreds of top brands available exclusively in the Afterpay app. - Select your gift card, send it directly to your recipient’s inbox, and pay over time. BUY NOW WITH AFTERPAY IN-STORE - Shop now for your favorite brands in-store with Afterpay. - Tap to pay, and take it home today. MANAGE YOUR SPLIT PAYMENTS - Review your Afterpay orders and manage payments in the app. - Select your preferred payment day to make your payment schedule work for you. STAY INFORMED WITH NOTIFICATIONS - Manage your notifications to stay up to date on your account, new brands, and exclusives. - Get alerts on your activity, payment schedules, and special offers. BUY NOW TO UNLOCK MORE SPENDING POWER - Unlock higher spending limits when you pay on time. - Check your spend limit and keep on top of your finances in the Afterpay app. 24/7 CUSTOMER SUPPORT - Get support anytime you need. - Use our customer support chat or access FAQs in the app. By using the Afterpay app, you agree to the applicable Terms of Use (https://www.afterpay.com/en-US/terms-of-service) and Privacy Policy (https://www.afterpay.com/en-US/privacy-policy). *You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. For access to in-store, additional verification may be required. Late fees may apply. Payment amounts shown are estimates and depend on eligibility and exclude taxes and shipping charges, which are added at checkout. For complete terms see Afterpay terms (https://www.afterpay.com/en-US/installment-agreement) and Cash App terms (https://cash.app/legal/us/en-us/tos). Loans to California residents made or arranged pursuant to a California Finance Lenders Law license. **You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank. A down payment may be required. APRs range from 0.00% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states. Valid debit card and acceptance of final terms required to apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. See https://www.afterpay.com/en-US/loan-agreement for complete terms.

About

MyPay

Skip checkout lines at affiliated stores by scanning product barcodes, paying via your phone, and showing your digital receipt. This app offers a contactless shopping experience, saving you time and reducing physical contact.

Highlights
  • Scan product barcodes
  • In-app mobile payments
  • Digital receipt generation
  • Contactless checkout
  • Skip in-store queues
Read full description

¿No quieres esperar a hacer una cola para salir de la tienda con tus productos? Descárgate MyPay y no pierdas más tiempo. ¡No es broma! Puedes realizar tus comprar dentro de los establecimientos afiliados a MyPay y comprar únicamente escaneando el código de barras de los productos, realizando el pago directamente desde tu celular y mostrando la boleta en la puerta para retirarte. Así, evita cualquier tipo de cola o contacto físico dentro del establecimiento. Te contamos cómo funciona: - Descarga la aplicación de MyPay y regístrate para empezar a comprar. - Una vez dentro de los establecimientos afiliados, abre la aplicación, ingresa a la tienda y empieza a escanear el código de barras de los productos que quieres comprar. - Cuando estés listo y ya tengas todos tus productos en el carrito de compras de la aplicación, págalos desde tu celular y retírate sin realizar ningun tipo de cola de espera y sin tener contacto físico con otras personas. -Antes de retirarte, muéstrale la boleta al personal de la tienda para que pueda verificar tu compra y asistirte en lo que necesites. ¡Accede a esta nueva experiencia y empieza a comprar con MyPay! https://www.youtube.com/watch?v=puF9uVoqab8&t=1s

Screenshots

Afterpay4 screens
MyPay4 screens

Verdict

The call

The clearest difference is rating: Afterpay at 4.9 against MyPay's 1.6. Afterpay also leads on ratings volume (753K vs 5) and review sentiment (20% vs 0%). MyPay's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (14.0 vs 16.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Afterpay holds the better App Store score, 4.9 against 1.6. That said, the two scores are not equally well evidenced: Afterpay has 753K ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 20% of Afterpay's written reviews are positive against 0% of MyPay's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 27, 2026 and October 12, 2026 respectively.

Scorecard6 real differences · 5 level
Afterpay versus MyPay: the parameters behind the verdict, then further details
ParameterAfterpayMyPay
PriceFreeFree
Rating4.9 (753K ratings) — better1.6 (5 ratings)
Positive reviews19.5% of reviews — better0.0% of reviews
Number of ratings753K — better5
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#37 — better—
DevicesiPhoneiPhone, iPod — better
Requires iOS16.014.0 — better
Further details — not scored
Size160 MB19 MB
Age rating17+4+
DeveloperAfterpayWhiz S.A.C.

Customer experience

Afterpay

All ratings752,755 ratings
Positive98.3%
Neutral0.6%
Negative1.1%
Written reviews1,086 reviews
Positive19.5%
Neutral5.7%
Negative74.8%

MyPay

All ratings5 ratings
Positive0.0%
Neutral20.0%
Negative80.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

Afterpay

Reported bugs

4 issues
  • Orders not processing properly
  • Payment issues and declined transactions
  • Inability to update payment information
  • App crashes and login problems

Requested features

4 requests
  • Report payments to credit bureaus
  • More flexible payment scheduling options
  • In-app customer service chat/phone support
  • Ability to use Afterpay for recurring bills/expenses

MyPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Afterpay

No in-app purchases

None

MyPay

No in-app purchases

Questions

Is Afterpay free?
Afterpay is free to download, with no in-app purchases.
Is MyPay free?
MyPay is free to download, with no in-app purchases.
Which has better reviews, Afterpay or MyPay?
Afterpay is rated higher. Afterpay averages 4.9 out of 5 from 753K ratings, while MyPay averages 1.6 from 5 ratings.
Do Afterpay or MyPay have ads?
Neither Afterpay nor MyPay shows ads.
Which is updated more often, Afterpay or MyPay?
Afterpay ships an update fortnightly, and MyPay fortnightly. Most recently, Afterpay was updated on October 27, 2026 and MyPay on October 12, 2026.

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